Segment Information:

The reportable segments are determined by the products and services offered, primarily distinguished between banking, trust and retirement consulting operations. They are also distinguished by the level of information provided to the chief operating decision makers in the Company, who use such information to review performance of various components of the business, which are then aggregated. Loans, investments, and deposits provide the revenues in the banking operation. All operations are domestic. Significant segment totals are reconciled to the financial statements as follows:

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
June 30, 2017
Goodwill and other intangibles	$	4,554	$	37,752	$	2,765		$	(646	)	$	44,425
Total assets	$	11,585	$	2,069,818	$	3,552		$	709		$	2,085,664

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
December 31, 2016
Goodwill and other intangibles	$	4,681	$	38,235	$	2,884		$	(646	)	$	45,154
Total assets	$	10,980	$	1,948,800	$	3,528		$	2,805		$	1,966,113

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
For Three Months Ended June 30, 2017
Net interest income	$	26	$	18,370	$	0		$	(23	)	$	18,373
Provision for loan losses		0		950		0			0			950
Service fees, security gains and other noninterest income		1,579		4,152		399			(75	)		6,055
Noninterest expense		1,266		13,074		367			169			14,876
Amortization and depreciation expense		70		743		63			12			888
Income before taxes		269		7,755		(31	)		(279	)		7,714
Income taxes		94		2,100		(10	)		(180	)		2,004
Net Income	$	175	$	5,655	$	(21	)	$	(99	)	$	5,710

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
For Six Months Ended June 30, 2017
Net interest income	$	52	$	35,895	$	0		$	(43	)	$	35,904
Provision for loan losses		0		2,000		0			0			2,000
Service fees, security gains and other noninterest income		3,257		7,921		912			(148	)		11,942
Noninterest expense		2,465		25,194		739			212			28,610
Amortization and depreciation expense		139		1,478		126			24			1,767
Income before taxes		705		15,144		47			(427	)		15,469
Income taxes		246		4,037		17			(324	)		3,976
Net Income	$	459	$	11,107	$	30		$	(103	)	$	11,493

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
For Three Months Ended June 30, 2016
Net interest income	$	22	$	16,895	$	0		$	(28	)	$	16,889
Provision for loan losses		0		990		0			0			990
Service fees, security gains and other noninterest income		1,592		3,783		496			(134	)		5,737
Noninterest expense		1,161		12,063		353			599			14,176
Amortization and depreciation expense		76		465		90			(24	)		607
Income before taxes		377		7,160		53			(737	)		6,853
Income taxes		128		1,905		18			(218	)		1,833
Net Income	$	249	$	5,255	$	35		$	(519	)	$	5,020

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
For Six Months Ended June 30, 2016
Net interest income	$	42	$	33,642	$	0		$	(48	)	$	33,636
Provision for loan losses		0		1,770		0			0			1,770
Service fees, security gains and other noninterest income		3,113		6,744		985			(159	)		10,683
Noninterest expense		2,313		23,690		724			989			27,716
Amortization and depreciation expense		152		1,179		179			1			1,511
Income before taxes		690		13,747		82			(1,197	)		13,322
Income taxes		235		3,601		28			(360	)		3,504
Net Income	$	455	$	10,146	$	54		$	(837	)	$	9,818

The Bank segment includes Farmers National Insurance and Farmers of Canfield Investment Co.