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
September 30, 2017
Goodwill and other intangibles	$	4,490	$	39,382	$	2,705	$	(822	)	$	45,755
Total assets	$	11,031	$	2,144,827	$	3,233	$	2,934		$	2,162,025

(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 September 30, 2017
Net interest income	$	29	$	18,667	$	0	$	(21	)	$	18,675
Provision for loan losses		0		950		0		0			950
Service fees, security gains and other noninterest income		1,638		3,974		480		(34	)		6,058
Noninterest expense		1,154		13,110		343		319			14,926
Amortization and depreciation expense		69		718		65		13			865
Income before taxes		444		7,863		72		(387	)		7,992
Income taxes		156		2,031		25		(203	)		2,009
Net Income	$	288	$	5,832	$	47	$	(184	)	$	5,983

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Nine Months Ended September 30, 2017
Net interest income	$	81	$	54,562	$	0	$	(64	)	$	54,579
Provision for loan losses		0		2,950		0		0			2,950
Service fees, security gains and other noninterest income		4,895		11,895		1,392		(182	)		18,000
Noninterest expense		3,619		38,304		1,082		531			43,536
Amortization and depreciation expense		208		2,196		191		37			2,632
Income before taxes		1,149		23,007		119		(814	)		23,461
Income taxes		402		6,068		42		(527	)		5,985
Net Income	$	747	$	16,939	$	77	$	(287	)	$	17,476

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Three Months Ended September 30, 2016
Net interest income	$	27	$	17,187	$	0	$	(21	)	$	17,193
Provision for loan losses		0		1,110		0		0			1,110
Service fees, security gains and other noninterest income		1,718		4,276		561		(70	)		6,485
Noninterest expense		1,152		12,622		336		267			14,377
Amortization and depreciation expense		76		666		90		16			848
Income before taxes		517		7,065		135		(374	)		7,343
Income taxes		188		1,900		48		(169	)		1,967
Net Income	$	329	$	5,165	$	87	$	(205	)	$	5,376

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Nine Months Ended September 30, 2016
Net interest income	$	69	$	50,829	$	0	$	(69	)	$	50,829
Provision for loan losses		0		2,880		0		0			2,880
Service fees, security gains and other noninterest income		4,831		11,020		1,546		(229	)		17,168
Noninterest expense		3,465		36,312		1,060		1,256			42,093
Amortization and depreciation expense		228		1,845		269		17			2,359
Income before taxes		1,207		20,812		217		(1,571	)		20,665
Income taxes		423		5,501		76		(529	)		5,471
Net Income	$	784	$	15,311	$	141	$	(1,042	)	$	15,194

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