<SEC-DOCUMENT>0000717538-21-000058.txt : 20210128
<SEC-HEADER>0000717538-21-000058.hdr.sgml : 20210128
<ACCEPTANCE-DATETIME>20210128151835
ACCESSION NUMBER:		0000717538-21-000058
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20210128
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210128
DATE AS OF CHANGE:		20210128

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ARROW FINANCIAL CORP
		CENTRAL INDEX KEY:			0000717538
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				222448962
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-12507
		FILM NUMBER:		21564626

	BUSINESS ADDRESS:	
		STREET 1:		250 GLEN ST
		CITY:			GLENS FALLS
		STATE:			NY
		ZIP:			12801
		BUSINESS PHONE:		5184154299

	MAIL ADDRESS:	
		STREET 1:		250 GLEN STREET
		CITY:			GLENS FALLS
		STATE:			NY
		ZIP:			12801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ARROW BANK CORP
		DATE OF NAME CHANGE:	19900710
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>arow-20210128.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version="1.0" ?><!--XBRL Document Created with Wdesk from Workiva--><!--Copyright 2021 Workiva--><!--r:847f24fd-05c6-4a8f-855d-19ba83f028d9,g:5d4d494b-559c-4efb-9f0d-2e32d91b01bf,d:d489ace8de394a7a8b6f89afd9d1241c--><html xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns="http://www.w3.org/1999/xhtml" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xml:lang="en-US"><head><meta http-equiv="Content-Type" content="text/html"/>


<title>arow-20210128</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:EntityCentralIndexKey" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY180L2ZyYWc6YjhlMDk0ZDEyZjIwNDNiNzg3NzQ2ZWMxZjg2MzI3ZDIvdGFibGU6YmQ3Mjc4YmE4NWNiNDZjMzkyYTdhZDM3NzJiOWVmZmYvdGFibGVyYW5nZTpiZDcyNzhiYTg1Y2I0NmMzOTJhN2FkMzc3MmI5ZWZmZl8xLTEtMS0xLTA_0a1a7df1-5848-46df-a96b-e4c93a2491ba">0000717538</ix:nonNumeric><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" format="ixt:booleanfalse" name="dei:AmendmentFlag" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY180L2ZyYWc6YjhlMDk0ZDEyZjIwNDNiNzg3NzQ2ZWMxZjg2MzI3ZDIvdGFibGU6YmQ3Mjc4YmE4NWNiNDZjMzkyYTdhZDM3NzJiOWVmZmYvdGFibGVyYW5nZTpiZDcyNzhiYTg1Y2I0NmMzOTJhN2FkMzc3MmI5ZWZmZl8yLTEtMS0xLTA_395ed5fc-daef-460e-8f0f-b23335cabe37">FALSE</ix:nonNumeric></ix:hidden><ix:references xml:lang="en-US"><link:schemaRef xlink:type="simple" xlink:href="arow-20210128.xsd"></link:schemaRef></ix:references><ix:resources><xbrli:context id="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000717538</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-28</xbrli:startDate><xbrli:endDate>2021-01-28</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div><div id="id489ace8de394a7a8b6f89afd9d1241c_1"></div><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div><div><span><br/></span></div></div><div style="-sec-extract:summary;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">UNITED STATES</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">SECURITIES AND EXCHANGE COMMISSION</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Washington, D.C. 20549</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:16pt;font-weight:700;line-height:120%">FORM <ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:DocumentType" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGV4dHJlZ2lvbjo4NmY4ZDY4NTFiMWU0MDIyOWQ5ZTM0YzJjYTIwNDk5ZF8xMTg2_20d5ef3b-ab44-498e-8359-4f1a0b90a4c2">8-K</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:16pt;font-weight:700;line-height:120%">CURRENT REPORT</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Date of Report: <ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGV4dHJlZ2lvbjo4NmY4ZDY4NTFiMWU0MDIyOWQ5ZTM0YzJjYTIwNDk5ZF8xOTE_6db040be-76e4-4cc1-917a-21a7460a7481">January 28, 2021</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(Date of earliest event reported)</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:EntityRegistrantName" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGV4dHJlZ2lvbjo4NmY4ZDY4NTFiMWU0MDIyOWQ5ZTM0YzJjYTIwNDk5ZF8xMTg3_76162ef8-823f-491e-8b6f-3664cb686fbc"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:18pt;font-weight:700;line-height:120%">A</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:16pt;font-weight:700;line-height:120%">RROW FINANCIAL CORPORATION</span></ix:nonNumeric></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(Exact name of registrant as specified in its charter)</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:501.75pt"><tr><td style="width:1.0pt"></td><td style="width:174.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:147.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:174.25pt"></td><td style="width:1.0pt"></td></tr><tr style="height:14pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" format="ixt-sec:stateprovnameen" name="dei:EntityIncorporationStateCountryCode" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ODRlNjFiN2UwMzE1NDlkZGIwNDE0YTY5ZTZlYzg3YmIvdGFibGVyYW5nZTo4NGU2MWI3ZTAzMTU0OWRkYjA0MTRhNjllNmVjODdiYl8wLTAtMS0xLTA_ad34317f-30be-49d6-8cae-16c8dea6259c">New York</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:EntityFileNumber" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ODRlNjFiN2UwMzE1NDlkZGIwNDE0YTY5ZTZlYzg3YmIvdGFibGVyYW5nZTo4NGU2MWI3ZTAzMTU0OWRkYjA0MTRhNjllNmVjODdiYl8wLTEtMS0xLTA_84d152d6-b5e8-4ed5-bd78-e6d3ef699c79">0-12507</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:EntityTaxIdentificationNumber" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ODRlNjFiN2UwMzE1NDlkZGIwNDE0YTY5ZTZlYzg3YmIvdGFibGVyYW5nZTo4NGU2MWI3ZTAzMTU0OWRkYjA0MTRhNjllNmVjODdiYl8wLTItMS0xLTA_7173311a-9f55-404e-9d87-986356fb4b97">22-2448962</ix:nonNumeric></span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(State or other jurisdiction of incorporation)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(Commission File Number)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(IRS Employer Identification No.)</span></td></tr></table></div><div style="margin-bottom:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:83.333%"><tr><td style="width:1.0%"></td><td style="width:24.163%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.163%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.163%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.005%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.006%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:EntityAddressAddressLine1" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18wLTAtMS0xLTA_9f7c9fca-54c7-44c0-84a0-2af14a1a3906">250 Glen Street</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:EntityAddressCityOrTown" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18wLTEtMS0xLTA_03b616eb-0a35-439f-abca-aaf2b924e2a4">Glens Falls</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" format="ixt-sec:stateprovnameen" name="dei:EntityAddressStateOrProvince" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18wLTItMS0xLTA_3ab863c0-2a92-44e0-badd-373231f23f4c">New York</ix:nonNumeric></span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:EntityAddressPostalZipCode" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18wLTMtMS0xLTA_f670a0cd-7871-493f-b5ff-3370ba73f9c1">12801</ix:nonNumeric></span></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(Address of principal executive offices)</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(Zip Code)</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Registrant&#8217;s telephone number, including area code:</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:CityAreaCode" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18zLTMtMS0xLTA_a684e7e8-1871-4c19-a78f-fe7cbbf9dfba">518</ix:nonNumeric>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:LocalPhoneNumber" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18zLTQtMS0xLTA_ab1f2c9e-d94a-47dc-9845-39debe117ef9">745-1000</ix:nonNumeric></span></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(Former name or former address, if changed since last report)</span></div><div style="text-align:center"><span><br/></span></div><div style="margin-bottom:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:91.374%"><tr><td style="width:1.0%"></td><td style="width:4.820%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:92.980%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" format="ixt-sec:boolballotbox" name="dei:WrittenCommunications" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6NGUwNGY4NDAyMTg4NGUxZWIyMmE2MGZiYTdmMWNjZDUvdGFibGVyYW5nZTo0ZTA0Zjg0MDIxODg0ZTFlYjIyYTYwZmJhN2YxY2NkNV8xLTAtMS0xLTA_e53e9384-5f29-4631-8b88-0a1bd7d3e0b8">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" format="ixt-sec:boolballotbox" name="dei:SolicitingMaterial" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6NGUwNGY4NDAyMTg4NGUxZWIyMmE2MGZiYTdmMWNjZDUvdGFibGVyYW5nZTo0ZTA0Zjg0MDIxODg0ZTFlYjIyYTYwZmJhN2YxY2NkNV8yLTAtMS0xLTA_6f8fd748-1695-4cf3-80a8-648c5193e300">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" format="ixt-sec:boolballotbox" name="dei:PreCommencementTenderOffer" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6NGUwNGY4NDAyMTg4NGUxZWIyMmE2MGZiYTdmMWNjZDUvdGFibGVyYW5nZTo0ZTA0Zjg0MDIxODg0ZTFlYjIyYTYwZmJhN2YxY2NkNV8zLTAtMS0xLTA_a0c43088-0066-4119-80bf-380677e3cd90">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" format="ixt-sec:boolballotbox" name="dei:PreCommencementIssuerTenderOffer" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6NGUwNGY4NDAyMTg4NGUxZWIyMmE2MGZiYTdmMWNjZDUvdGFibGVyYW5nZTo0ZTA0Zjg0MDIxODg0ZTFlYjIyYTYwZmJhN2YxY2NkNV80LTAtMS0xLTA_b3a7ef3b-82f6-497f-a88d-b0ec2aaccc80">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Securities registered pursuant to Section 12(b) of the Act:</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:96.783%"><tr><td style="width:1.0%"></td><td style="width:40.138%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:41.801%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Title of Each Class</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Trading Symbol</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Name of each exchange on which registered</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6OTFjNDE0NjQ2ZWU0NDgyMmE5Mjg0NjI1ZWY3NjU4MzgvdGFibGVyYW5nZTo5MWM0MTQ2NDZlZTQ0ODIyYTkyODQ2MjVlZjc2NTgzOF8xLTAtMS0xLTA_59a3e425-91af-49af-a1d3-cd6da8777bc7">Common Stock, Par Value $1.00 per share</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6OTFjNDE0NjQ2ZWU0NDgyMmE5Mjg0NjI1ZWY3NjU4MzgvdGFibGVyYW5nZTo5MWM0MTQ2NDZlZTQ0ODIyYTkyODQ2MjVlZjc2NTgzOF8xLTEtMS0xLTA_441ef5cd-3952-4fd3-916f-989169a9c882">AROW</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6OTFjNDE0NjQ2ZWU0NDgyMmE5Mjg0NjI1ZWY3NjU4MzgvdGFibGVyYW5nZTo5MWM0MTQ2NDZlZTQ0ODIyYTkyODQ2MjVlZjc2NTgzOF8xLTItMS0xLTA_03d3d3ac-977f-4596-be86-9af76dd13643">NASDAQ Global Select Market</ix:nonNumeric></span></td></tr></table></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:46.560%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:46.560%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.580%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Emerging growth company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128" format="ixt-sec:boolballotbox" name="dei:EntityEmergingGrowthCompany" id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6YzFhODA2MTE1YTkyNGY2ZDgxMjMxMWRkYTkwODI4ODQvdGFibGVyYW5nZTpjMWE4MDYxMTVhOTI0ZjZkODEyMzExZGRhOTA4Mjg4NF8xLTItMS0xLTA_ae47447c-9585-4d52-8879-57c08c1dd5b8">&#9744;</ix:nonNumeric></span></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#9744;</span></td></tr></table></div><div><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div><div><span><br/></span></div></div><div><span><br/></span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Item 2.02.  &#160;&#160;&#160;&#160;Results of Operations and Financial Condition.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">On January&#160;28, 2021, Arrow Financial Corporation issued a press release containing unaudited financial information and accompanying discussion for the year-to-date period ended December&#160;31, 2020. &#160;A copy of this press release is furnished as Exhibit 99 to this report on Form 8-K.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Item 9.01.&#160;&#160;&#160;&#160;Financial Statements and Exhibits.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Exhibits:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit No.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">       </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline">Description</span></div><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="ex99-earningsye2020.htm">Exhibit 99</a></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">      </span><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="ex99-earningsye2020.htm">Arrow Financial Corporation Earnings Press Release dated January 28, 2021</a></span></div><div><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div><div><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">SIGNATURES</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</span></div><div><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:424.50pt"><tr><td style="width:1.0pt"></td><td style="width:28.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:177.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:213.25pt"></td><td style="width:1.0pt"></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">ARROW FINANCIAL CORPORATION</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Registrant</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Date:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">January&#160;28, 2021</span></div></td><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">/s/ Edward J. Campanella</span></td></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Edward J. Campanella, Senior Vice President,<br/>Treasurer and Chief Financial Officer</span></td></tr></table></div><div><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div></body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>ex99-earningsye2020.htm
<DESCRIPTION>EX-99
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"><html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2021 Workiva -->
<title>Document</title></head><body><div id="ie65bfaa587c24cb5a7d7f12dfd861d06_1"></div><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:5pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:503.25pt"><tr><td style="width:1.0pt"></td><td style="width:360.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:139.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:18pt"><td colspan="3" rowspan="2" style="padding:0 1pt"><div><img alt="newsreleaselogoallreda181a.jpg" src="newsreleaselogoallreda181a.jpg" style="height:80px;margin-bottom:5pt;vertical-align:text-bottom;width:374px"></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%">250 Glen Street<br>Glens Falls, NY 12801</font></td></tr><tr style="height:47pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%">NASDAQ&#174; Symbol&#58;  &#34;AROW&#34; <br>Website&#58; arrowfinancial.com<br><br>Media Contact&#58; Dori McDannold<br>Tel&#58; (518) 415-4313<br></font></td></tr></table></div><div><font><br></font></div><div><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Arrow Reports Annual Net Income of $40.8 million and Continued COVID-19 Response</font></div><div><font><br></font></div><div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%;padding-left:14.15pt">Net income for 2020 reached a record high of $40.8 million, up 8.9% year-over-year.</font></div><div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%;padding-left:14.15pt">Diluted Earnings Per Share (EPS) grew to $2.64 for the year.</font></div><div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%;padding-left:14.15pt">Profitability ratios remained solid in 2020, as return on average equity (ROE) was 12.77% and return on average assets (ROA) was 1.17%.</font></div><div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%;padding-left:14.15pt">Record highs were also achieved at year-end for total assets and total equity.</font></div><div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:115%">&#8226;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:115%;padding-left:14.15pt">Significant support provided throughout the pandemic for employees, customers and the community.</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">GLENS FALLS, N.Y. (January&#160;28, 2021) &#8211; Arrow Financial Corporation (NasdaqGS</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7.15pt;font-weight:400;line-height:120%;position:relative;top:-3.85pt;vertical-align:baseline">&#174;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> &#8211; AROW) announced operating results for the three- and 12-month periods ended December&#160;31, 2020. For the fourth quarter of 2020, net income was $12.5 million, an increase of $2.8 million, or 28.3%, from the fourth quarter of 2019. For the year ended December&#160;31, 2020, net income was a record $40.8 million, up 8.9% over net income of $37.5 million for 2019. Diluted EPS was $0.81 for the fourth quarter, up 28.6% from $0.63 from the comparable 2019 quarter, and $2.64 for 2020, up 8.5% from $2.43 in 2019.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Profitability ratios remained solid in 2020, as return on average equity (ROE) and return on average assets (ROA) were 12.77% and 1.17%, respectively, as compared to 13.17% and 1.24%, respectively, for 2019. ROE was 14.98% for the fourth quarter, up from 13.05% from the fourth quarter of 2019. ROA was 1.34% for the fourth quarter, which represents an increase from 1.24% for the comparable 2019 quarter.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:115%">&#8220;Arrow delivered a strong performance in 2020 amid the challenges of a global pandemic, ending the year with record earnings, steady growth, sustained profitability and credit quality,&#34; said Arrow President and CEO Thomas J. Murphy. &#8220;As we reflect on the year, we are proud to have provided temporary financial assistance, stimulus program support, Paycheck Protection Program loans and charitable contributions in our communities. I thank our team for their continued focus on safety and customer needs during these unprecedented times.&#34;</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:115%">In 2020, Arrow opened a 12</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7.15pt;font-weight:400;line-height:115%;position:relative;top:-3.85pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:115%"> Saratoga National Bank Branch, as well as a Capital Region Business Development Office in Latham, New York. Additionally, Glens Falls National Bank consolidated Branches in Queensbury and Greenwich into nearby locations.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">COVID-19 Response&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  As part of our continued focus on health and safety, Arrow again limited access at its facilities to appointment-only in early 2021. Drive-ins and ATMs are currently open, and we continue to promote digital banking alternatives. Inside our facilities, safety measures continue to be followed, including required face coverings, social distancing and personal protective equipment such as shields and hand sanitizing stations, along with frequent cleanings.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Requests in our banks for financial hardship assistance were reduced from early pandemic levels. Loans being deferred as a result of the COVID-19 pandemic were $15.3 million as of December 31, 2020.  We also worked closely with small business borrowers from the first round of Small Business Administration Paycheck Protection Program (PPP) loans on the forgiveness process. Currently, we are helping customers obtain funding through an additional round of PPP support.  As of year-end, we had assisted more than 1,400 small businesses, with more than $142.7 million in aggregate PPP loans.</font></div><div style="text-align:justify"><font><br></font></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1</font></div></div></div><hr style="page-break-after:always"><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">We continue to monitor the impact of the pandemic on our business and results of operations.  Remote work is encouraged whenever feasible for our employees.  In addition, work-related travel remains paused and in-person meetings have been minimized.  We remain committed to delivering essential financial services to our communities.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:115%">The following expands on fourth quarter and 2020 results&#58;</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Loan Growth&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  At December&#160;31, 2020, total loan balances reached $2.6 billion, up $209 million, or 8.8%, from the prior-year level. The consumer loan portfolio grew by $48.6 million, or 6.0%, over the balance at December&#160;31, 2019, primarily as a result of continued strength in the indirect automobile lending program. The residential real estate loan portfolio increased $9.2 million, or 1.0%. The increase in the real estate loan portfolio is net of approximately $83.9 million of loans sold in 2020. Commercial loans, including commercial real estate, increased $151.1</font><font style="color:#ff0000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">million, or 22.9%, over the balances at December&#160;31, 2019. The increase in commercial loans includes $114.6 million in remaining PPP loans.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Deposit Growth&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  At December&#160;31, 2020, total deposit balances reached $3.2 billion, up by $618.7 million, or 23.6%, from the prior-year level. Noninterest-bearing deposits grew by $216.4 million, or 44.6%, during 2020, and represented 21.7% of total deposits at year-end as compared to the prior-year level of 18.5%. At December&#160;31, 2020, total time deposits decreased $117.7&#160;million from the prior-year level, including $80.6 million in brokered time deposits.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Net Interest Income&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  Net interest income for the year ending December&#160;31, 2020 was $99.2 million,  an increase of $11.2 million, or 12.7%, from the prior year. Loan growth generated $100.5 million in interest and fees on loans, an increase of 5.3% from the $95.5 million in interest and fees on loans for the year ending December&#160;31, 2019. Interest expense for the year ending December&#160;31, 2020 was $12.7 million. This is a decrease of $9.0 million, or 41.5%, from the $21.7 million in expense for the year ending December&#160;31, 2019. The net interest margin was 2.99% for the year ending December&#160;31, 2020, as compared to 3.05% for the year ended December&#160;31, 2019. In the fourth quarter of 2020, the net interest margin was 2.96%, as compared to 3.06% for the fourth quarter of 2019. The decrease in net interest margin from the prior year was due to a variety of factors, including lower interest rates and increased cash balances.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Noninterest Income&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  Noninterest income was $32.7 million for the year ending December&#160;31, 2020,  an increase of 14.4% as compared to $28.6 million for the year ending December&#160;31, 2019.  Favorable market conditions in 2020 contributed to a $3.3 million increase in the gain on the sale of loans.  Income generated from fiduciary activities as well as fees for other services from customers were flat compared to the prior year. Insurance revenue decreased by $306 thousand from the prior year.  Noninterest income represented 24.8% of total revenues in 2020 as compared to 24.5% for the year ending December 31, 2019.  Other operating income increased in 2020 as compared to 2019 as a result of several factors, including gain on sale of fixed assets and other real estate owned, as well as increased income related to interest rate swap agreements and bank owned life insurance.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Noninterest Expense&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  Noninterest expense for the year ending December&#160;31, 2020 increased by $3.2 million, or 4.8%, to $70.7 million compared to $67.5 million in 2019. The largest component of noninterest expense is salaries and benefits paid to our employees, which totaled $42.1 million in 2020. Noninterest expense for the three-month period ended December&#160;31, 2020 increased $1.1 million, or 6.4%, as compared to the fourth quarter of 2019. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Provision for Income Taxes&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  The provision for income taxes for 2020 was $11.0 million compared to $9.6 million for 2019. The effective income tax rates for 2020 and 2019 were 21.3% and 20.4%, respectively. </font></div><div style="text-align:justify"><font><br></font></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2</font></div></div></div><hr style="page-break-after:always"><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Asset Quality&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Asset quality remained strong in 2020, as evidenced by low levels of nonperforming assets and charge-offs. Net loan losses for the fourth quarter of 2020, expressed as an annualized percentage of average loans outstanding, were 0.07%, an increase from 0.06% for the fourth quarter of 2019. Net loan losses for the full year 2020 were 0.05% of average loans outstanding, consistent with the 2019 ratio. Nonperforming assets of $6.6 million at December&#160;31, 2020, represented 0.18% of period-end assets, consistent with December&#160;31, 2019. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Arrow's allowance for loan losses was $29.2 million at December&#160;31, 2020, which represented 1.13% of loans outstanding, an increase from 0.89% at year-end 2019.  Although credit quality remains strong, the increase in the allowance reflects the uncertainty related to the COVID-19 pandemic. When expressed as a percentage of nonperforming loans, the allowance for loan loss coverage ratio was 456.3% at year-end 2020.  Arrow adopted the Current Expected Credit Losses (CECL) accounting standard as of January 1, 2021.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Liquidity&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">At December&#160;31, 2020, Arrow&#8217;s liquidity position was strong. Interest-bearing cash balances at December&#160;31, 2020 were $338.9 million.  Arrow continues to be well-prepared to address any unexpected volatility, which may affect cash flow and deposit balances. At December&#160;31, 2020, contingent collateralized lines of credit were established and available through the Federal Home Loan Bank of New York and Federal Reserve Bank, totaling $1.5 billion. Arrow also has additional liquidity options currently available, including unsecured lines of credit such as Fed Funds and brokered markets.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Capital&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  Total shareholders&#8217; equity grew to a record of $334.4 million at period-end, an increase of $32.7 million, or 10.8%, above the year-end 2019 balance. Arrow's regulatory capital ratios remained strong in 2020. At December&#160;31, 2020, Arrow's Common Equity Tier 1 Capital Ratio was 13.39% and Total Risk-Based Capital Ratio was 15.48%. The capital ratios of Arrow and both its subsidiary banks continued to significantly exceed the &#8220;well capitalized&#8221; regulatory standards.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Cash and Stock Dividends&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  On December&#160;15, 2020, Arrow distributed a cash dividend of $0.26 per share. The cash dividend was 3% higher than the cash dividend paid by Arrow in the fourth quarter of 2019 when adjusted for the 3% stock dividend distributed on September&#160;25, 2020.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Industry Recognition&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  Both of Arrow's banking subsidiaries, Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, continue to hold BauerFinancial, Inc. 5-Star Superior Bank ratings.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">About Arrow&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  Arrow Financial Corporation is a multi-bank holding company headquartered in Glens Falls, New York, serving the financial needs of northeastern New York. The Company is the parent of Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company. Other subsidiaries include North Country Investment Advisers, Inc. and Upstate Agency, LLC.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Non-GAAP Financial Measures Reconciliation&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  In addition to presenting information in conformity with accounting principles generally accepted in the United States of America (GAAP), this news release contains financial information determined by methods other than GAAP (non-GAAP). The following measures used in this release, which are commonly utilized by financial institutions, have not been specifically exempted by the Securities and Exchange Commission (&#34;SEC&#34;) and may constitute &#34;non-GAAP financial measures&#34; within the meaning of the SEC's rules. Certain non-GAAP financial measures include&#58; tangible equity, return on tangible equity, tax-equivalent adjustment and related net interest income, tax-equivalent and the efficiency ratio. Management believes that the non-GAAP financial measures disclosed by the Company from time to time are useful in evaluating the Company's performance and that such information should be considered as supplemental in nature and not as a substitute for or superior to the related financial information prepared in accordance with&#160;GAAP.&#160;Non-</font></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3</font></div></div></div><hr style="page-break-after:always"><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">GAAP financial measures may differ from similar measures presented by other companies. See the reconciliation of GAAP to non-GAAP measures in the section &#34;Selected Quarterly Information.&#34;</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Safe Harbor Statement&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%">  The information contained in this news release may contain statements that are not historical in nature but rather are based on management&#8217;s beliefs, assumptions, expectations, estimates and projections about the future. These statements may be &#34;forward-looking statements&#34; within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, involving a degree of uncertainty and attendant risk. In the case of all forward-looking statements, actual outcomes and results may differ materially from what the statements predict or forecast, explicitly or by implication. The Company undertakes no obligation to revise or update these forward-looking statements to reflect the occurrence of unanticipated events. This News Release should be read in conjunction with the Company&#8217;s Annual Report on Form 10-K for the year ended December&#160;31, 2019, and other filings with the Securities and Exchange Commission. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4</font></div></div></div><div id="ie65bfaa587c24cb5a7d7f12dfd861d06_4"></div><hr style="page-break-after:always"><div style="min-height:18pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">ARROW FINANCIAL CORPORATION AND SUBSIDIARIES</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">CONSOLIDATED STATEMENTS OF INCOME</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(In Thousands, Except Per Share Amounts - Unaudited)</font></div><div style="text-align:center"><font><br></font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:459.00pt"><tr><td style="width:1.0pt"></td><td style="width:238.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:48.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:4.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:48.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:4.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:48.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:4.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:48.25pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Three Months Ended</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Twelve Months Ended</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31,</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31,</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2019</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2019</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">INTEREST AND DIVIDEND INCOME</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest and Fees on Loans</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,835&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,924&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100,492&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">95,467&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest on Deposits at Banks</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">92&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">150&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">321&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">722&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest and Dividends on Investment Securities&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fully Taxable</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,510&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,212&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,131&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,883&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Exempt from Federal Taxes</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">935&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,081&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,952&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,687&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Interest and Dividend Income</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,372&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,367&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">111,896&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">109,759&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">INTEREST EXPENSE</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest-Bearing Checking Accounts</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">231&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">550&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,292&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,985&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Savings Deposits</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">640&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,473&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,090&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,399&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Time Deposits over $250,000</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">202&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">570&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,465&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,932&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other Time Deposits</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">422&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,125&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,782&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,224&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal Funds Purchased and <br>  Securities Sold Under Agreements to Repurchase</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal Home Loan Bank Advances</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">198&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">439&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,063&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,952&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Junior Subordinated Obligations Issued to <br>  Unconsolidated Subsidiary Trusts</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">172&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">239&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">746&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,019&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest on Financing Leases</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">196&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">99&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Interest Expense</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,918&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,449&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,694&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,710&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">NET INTEREST INCOME</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,454&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,918&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">99,202&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">88,049&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision for Loan Losses</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,236&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">634&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,319&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,079&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">NET INTEREST INCOME AFTER PROVISION FOR<br>   LOAN LOSSES</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,218&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,284&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">89,883&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">85,970&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">NONINTEREST INCOME</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income From Fiduciary Activities</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,277&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,238&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,890&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,809&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fees for Other Services to Customers</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,655&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,606&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,003&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,176&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Insurance Commissions</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,799&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,592&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,876&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,182&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Gain (Loss) on Securities</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">88&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(464)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">289&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Gain on Sales of Loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,696&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">121&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,889&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">622&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other Operating Income</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">588&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">457&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,464&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,477&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Noninterest Income</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,103&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,081&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32,658&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,555&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">NONINTEREST EXPENSE</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Salaries and Employee Benefits</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,058&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,341&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">42,061&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38,402&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Occupancy Expenses, Net</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,393&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,384&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,614&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,407&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Technology and Equipment Expense</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,169&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,365&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,976&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,054&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FDIC Assessments</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">293&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">213&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,063&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">157&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other Operating Expense</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,279&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,796&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,964&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,430&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Noninterest Expense</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,192&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,099&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70,678&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67,450&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">INCOME BEFORE PROVISION FOR INCOME TAXES</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,129&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,266&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,863&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,075&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision for Income Taxes</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,634&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,526&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,036&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,600&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">NET INCOME</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,495&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,740&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">40,827&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,475&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Average Shares Outstanding</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">1</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">&#58;</font></div></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Basic</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,499&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,427&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,465&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,388&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Diluted</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,515&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,476&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,479&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,433&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Per Common Share&#58;</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Basic Earnings</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.81&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.63&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.64&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.44&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Diluted Earnings</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.81&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.63&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.64&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.43&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:20pt"><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">1</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Share and per share data have been restated for the September&#160;25, 2020, 3% stock dividend.</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="height:31.5pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5</font></div></div></div><div id="ie65bfaa587c24cb5a7d7f12dfd861d06_7"></div><hr style="page-break-after:always"><div style="min-height:40.5pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">ARROW FINANCIAL CORPORATION AND SUBSIDIARIES</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">CONSOLIDATED BALANCE SHEETS</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(In Thousands, Except Share and Per Share Amounts - Unaudited)</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:468.00pt"><tr><td style="width:1.0pt"></td><td style="width:318.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:67.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:6.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:67.75pt"></td><td style="width:1.0pt"></td></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2019</font></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">ASSETS</font></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and Due From Banks</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">42,116&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,035&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest-Bearing Deposits at Banks</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">338,875&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,186&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Investment Securities&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Available-for-Sale</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">365,287&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">357,334&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Held-to-Maturity (Approximate Fair Value of $226,576 at </font></div><div style="padding-left:6.75pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;December 31, 2020, and $249,618 at December 31, 2019)</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">218,405&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">245,065&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Equity Securities</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,636&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,063&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other Investments</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,349&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,317&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,595,030&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,386,120&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for Loan Losses</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(29,232)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(21,187)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Loans</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,565,798&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,364,933&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premises and Equipment, Net</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">42,612&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">40,629&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Goodwill</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,873&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,873&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other Intangible Assets, Net</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,950&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,661&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other Assets</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">84,735&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70,179&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Assets</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,688,636&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,184,275&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">LIABILITIES</font></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Noninterest-Bearing Deposits</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">701,341&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">484,944&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest-Bearing Checking Accounts</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">832,434&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">689,221&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Savings Deposits</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,423,358&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,046,568&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Time Deposits over $250,000</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">123,622&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">123,968&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other Time Deposits</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">153,971&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">271,353&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Deposits</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,234,726&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,616,054&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal Funds Purchased and  <br>  Securities Sold Under Agreements to Repurchase</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,486&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,099&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal Home Loan Bank Overnight Advances</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">130,000&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal Home Loan Bank Term Advances</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">45,000&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,000&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,000&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,000&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Finance Leases</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,217&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,254&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other Liabilities</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31,815&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,140&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Liabilities</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,354,244&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,882,547&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">STOCKHOLDERS&#8217; EQUITY</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred Stock, $1 Par Value, 1,000,000 Shares Authorized</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Stock, $1 Par Value&#59; 30,000,000 Shares Authorized (20,194,474 Shares Issued at December 31, 2020, and 19,606,449 Shares Issued at December 31, 2019)</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,194&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,606&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Additional Paid-in Capital</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">353,662&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">335,355&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retained Earnings </font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41,899&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,218&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accumulated Other Comprehensive Loss</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(816)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,357)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Treasury Stock, at Cost (4,678,736 Shares at December 31, 2020, and 4,608,258 Shares at December 31, 2019)</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(80,547)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(80,094)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Stockholders&#8217; Equity</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">334,392&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">301,728&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Liabilities and Stockholders&#8217; Equity</font></td><td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,688,636&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,184,275&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="height:40.5pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6</font></div></div></div><div id="ie65bfaa587c24cb5a7d7f12dfd861d06_10"></div><hr style="page-break-after:always"><div style="min-height:18pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Arrow Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Selected Quarterly Information</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(Dollars In Thousands, Except Per Share Amounts</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%"> </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">- Unaudited)</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:534.00pt"><tr><td style="width:1.0pt"></td><td style="width:243.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter Ended</font></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">12&#47;31&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">9&#47;30&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">6&#47;30&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">3&#47;31&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">12&#47;31&#47;2019</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Income</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,495&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,046&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,159&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,127&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,740&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Transactions Recorded in Net Income (Net of Tax)&#58;</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Gain (Loss) on Securities</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(53)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(80)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(279)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Share and Per Share Data&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">1</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Period End Shares Outstanding</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,516&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,489&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,461&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,432&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,448&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Basic Average Shares Outstanding</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,499&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,472&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,441&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,446&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,427&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Diluted Average Shares Outstanding</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,515&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,481&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,448&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,476&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,476&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Basic Earnings Per Share</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.81&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.71&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.59&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.53&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.63&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Diluted Earnings Per Share</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.81&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.71&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.59&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.53&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.63&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash Dividend Per Share</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.260&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.252&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.252&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.252&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.252&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Selected Quarterly Average Balances&#58;</font></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;Interest-Bearing Deposits at Banks</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">349,430&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">242,928&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">155,931&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32,787&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,880&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;Investment Securities</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">590,151&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">592,457&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">607,094&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">603,748&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">582,982&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;Loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,610,834&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,582,253&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,518,198&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,394,346&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,358,110&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;Deposits</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,256,238&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,082,499&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,952,432&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,670,009&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,607,421&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;Other Borrowed Funds</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">95,047&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">136,117&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">129,383&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">170,987&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">177,877&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;Shareholders&#8217; Equity</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">331,899&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">324,269&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">316,380&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306,527&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">296,124&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;Total Assets</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,721,954&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,583,322&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,437,155&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,180,857&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,113,114&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Return on Average Assets, annualized</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.34&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.23&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.07&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.03&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.24&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Return on Average Equity, annualized</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.98&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.55&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.64&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.66&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.05&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Return on Average Tangible Equity, annualized </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">2</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16.13&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.61&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.58&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.55&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.18&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average Earning Assets</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,550,415&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,417,638&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,281,223&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,030,881&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,969,972&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average Paying Liabilities</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,674,795&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,545,435&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,457,690&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,362,515&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,293,804&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest Income</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,372&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,296&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,002&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,226&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,367&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax-Equivalent Adjustment </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">3</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">251&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">284&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">281&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">288&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">321&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest Income, Tax-Equivalent </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">3</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,623&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,580&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,283&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,514&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,688&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest Expense</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,918&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,396&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,160&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,220&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,449&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Interest Income</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,454&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,900&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,842&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,006&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,918&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Interest Income, Tax-Equivalent </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">3</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,705&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,184&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,123&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,294&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,239&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Interest Margin, annualized</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.96&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.90&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.05&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.05&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.06&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Interest Margin, Tax-Equivalent, annualized</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"> 3</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.99&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.93&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.08&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.09&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.10&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Efficiency Ratio Calculation</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">&#58; </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">4</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Noninterest Expense</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,192&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,487&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,245&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,754&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,099&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less&#58; Intangible Asset Amortization</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">56&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">56&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 12.25pt 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">57</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Noninterest Expense</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,136&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,431&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,188&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,696&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,039&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Interest Income, Tax-Equivalent</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,705&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,184&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,123&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,294&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,239&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Noninterest Income</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,103&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,697&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,164&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,694&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,081&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less&#58; Net Gain (Loss) on Securities</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">88&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(72)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(106)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(374)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Gross Income</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35,720&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,953&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32,393&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31,362&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,253&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Efficiency Ratio</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50.77&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51.34&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53.06&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">56.42&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">56.32&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Period-End Capital Information</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">&#58;</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Stockholders&#8217; Equity (i.e. Book Value)</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">334,392&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">325,660&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">317,687&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">309,398&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">301,728&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Book Value per Share</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"> 1</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.55&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.02&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.55&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.05&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19.53&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Goodwill and Other Intangible Assets, net</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,823&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,662&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,535&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,513&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,534&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tangible Book Value per Share </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">1,2</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.02&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19.50&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19.03&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.53&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.01&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Capital Ratios&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">5</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Leverage Ratio</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.07&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.17&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.32&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.87&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.98&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Equity Tier 1 Capital Ratio</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"> </font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.39&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.20&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.07&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.84&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.94&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Risk-Based Capital Ratio</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.24&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.06&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.94&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.72&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.83&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Risk-Based Capital Ratio</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.48&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.28&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.10&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.76&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.78&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Assets Under Trust Administration &#38; Investment Mgmt</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,659,029&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,537,128&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,502,866&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,342,531&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,543,653&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7</font></div></div></div><div id="ie65bfaa587c24cb5a7d7f12dfd861d06_13"></div><hr style="page-break-after:always"><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Arrow Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Selected Quarterly Information - Continued</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(Dollars In Thousands, Except Per Share Amounts</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%"> </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">- Unaudited)</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:94.152%"><tr><td style="width:1.0%"></td><td style="width:2.005%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:31.353%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.167%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.576%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.167%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.576%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.167%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.576%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.167%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.576%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.170%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Footnotes&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">1.</font></td><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Share and per share data have been restated for the September&#160;25, 2020, 3% stock dividend.</font></div><div><font><br></font></div></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="30" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2.</font></td><td colspan="30" style="padding:2px 1pt;text-align:justify;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-GAAP Financial Measure Reconciliation&#58; Tangible Book Value, Tangible Equity, and Return on Tangible Equity exclude goodwill and other intangible assets, net from total equity. &#160;These are non-GAAP financial measures which we believe provide investors with information that is useful in understanding our financial performance.</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#47;31&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#47;30&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6&#47;30&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#47;31&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#47;31&#47;2019</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Stockholders' Equity (GAAP)</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">334,392&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">325,660&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">317,687&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">309,398&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">301,728&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less&#58;  Goodwill and Other Intangible assets, net</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,823&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,662&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,535&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,513&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,534&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tangible Equity (Non-GAAP)</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">310,569&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">301,998&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">294,152&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">285,885&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">278,194&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Period End Shares Outstanding</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,516&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,489&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,461&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,432&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,448&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tangible Book Value per Share (Non-GAAP)</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.02&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19.50&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19.03&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.53&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.01&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Income</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,495&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,046&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,159&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,127&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,740&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Return on Tangible Equity (Net Income&#47;Tangible Equity - Annualized)</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16.13&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.61&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.58&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.55&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.18&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">3.</font></td><td colspan="30" style="padding:2px 1pt;text-align:justify;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-GAAP Financial Measure Reconciliation&#58; Net Interest Margin is the ratio of our annualized tax-equivalent net interest income to average earning assets.  This is also a non-GAAP financial measure which we believe provides investors with information that is useful in understanding our financial performance.<br></font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#47;31&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#47;30&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6&#47;30&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#47;31&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#47;31&#47;2019</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest Income (GAAP)</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,372&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,296&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,002&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,226&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,367&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Add&#58; Tax Equivalent Adjustment (Non-GAAP)</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">251&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">284&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">281&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">288&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">321&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest Income - Tax Equivalent (Non-GAAP)</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,623&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,580&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,283&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,514&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,688&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Interest Income (GAAP)</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,454&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,900&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,842&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,006&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,918&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Add&#58;  Tax-Equivalent adjustment (Non-GAAP)</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">251&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">284&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">281&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">288&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">321&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Interest Income - Tax Equivalent (Non-GAAP)</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,705&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,184&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,123&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,294&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,239&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average Earning Assets</font></td><td colspan="2" style="border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,550,415&#160;</font></td><td style="border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,417,638&#160;</font></td><td style="border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,281,223&#160;</font></td><td style="border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,030,881&#160;</font></td><td style="border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,969,972&#160;</font></td><td style="border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Interest Margin (Non-GAAP)*</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.99&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.93&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.08&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.09&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.10&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">4.</font></td><td colspan="30" style="padding:2px 1pt;text-align:justify;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-GAAP Financial Measure Reconciliation&#58; Financial Institutions often use the &#34;efficiency ratio&#34;, a non-GAAP ratio, as a measure of expense control.  We believe the efficiency ratio provides investors with information that is useful in understanding our financial performance.  We define our efficiency ratio as the ratio of our noninterest expense to our net gross income (which equals our tax-equivalent net interest income plus noninterest income, as adjusted).</font></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">5.</font></td><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">For the current quarter, all of the regulatory capital ratios in the table above, as well as the Total Risk-Weighted Assets and Common Equity Tier 1 Capital amounts listed in the table below, are estimates based on, and calculated in accordance with bank regulatory capital rules.  All prior quarters reflect actual results.  The December&#160;31, 2020 CET1 ratio listed in the tables (i.e., 13.39%) exceeds the sum of the required minimum CET1 ratio plus the fully phased-in Capital Conservation Buffer (i.e., 7.00%).</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#47;31&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#47;30&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6&#47;30&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#47;31&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#47;31&#47;2019</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Risk Weighted Assets</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,357,094&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,321,637&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,283,430&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,275,902&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,237,127&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Equity Tier 1 Capital</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">315,696&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306,356&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">298,362&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">292,165&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">289,409&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Equity Tier 1 Ratio</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.39&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.20&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.07&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.84&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.94&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;* Quarterly ratios have been annualized</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8</font></div></div></div><div id="ie65bfaa587c24cb5a7d7f12dfd861d06_16"></div><hr style="page-break-after:always"><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Arrow Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Consolidated Financial Information</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(Dollars in Thousands - Unaudited)</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:454.50pt"><tr><td style="width:1.0pt"></td><td style="width:318.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:63.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:63.25pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Quarter Ended&#58;</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">12&#47;31&#47;2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">12&#47;31&#47;2019</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Loan Portfolio</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Commercial Loans</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">240,554&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">150,660&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Commercial Real Estate Loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">571,787&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">510,541&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;Subtotal Commercial Loan Portfolio</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">812,341&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">661,201&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Consumer Loans </font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">859,768&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">811,198&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Residential Real Estate Loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">922,921&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">913,721&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Loans</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,595,030&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,386,120&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Allowance for Loan Losses</font></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for Loan Losses, Beginning of Quarter</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,446&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,931&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans Charged-off</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(630)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(503)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Recoveries of Loans Previously Charged-off</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">179&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">125&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Loans Charged-off</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(451)</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(378)</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision for Loan Losses</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,237&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">634&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for Loan Losses, End of Quarter</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,232&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,187&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Nonperforming Assets</font></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonaccrual Loans</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,033&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,005&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans Past Due 90 or More Days and Accruing</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">228&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 12.25pt 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">253</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans Restructured and in Compliance with Modified Terms</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">143&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Nonperforming Loans</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,406&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,401&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Repossessed Assets</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">155&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">139&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other Real Estate Owned</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,122&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Nonperforming Assets</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,561&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,662&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Key Asset Quality Ratios</font></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Loans Charged-off to Average Loans, Quarter-to-date<br>&#160;&#160;Annualized</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.07&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.06&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision for Loan Losses to Average Loans, Quarter-to-date<br>&#160;&#160;Annualized</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.19&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.11&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for Loan Losses to Period-End Loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.13&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.89&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for Loan Losses to Period-End Nonperforming&#160;Loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">456.32&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">481.41&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonperforming Loans to Period-End Loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.25&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.18&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonperforming Assets to Period-End Assets</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.18&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.18&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Twelve-Month Period Ended&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Allowance for Loan Losses</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for Loan Losses, Beginning of Year</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,187&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,196&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans Charged-off</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,989)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,735)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Recoveries of Loans Previously Charged-off</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">715&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">647&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Loans Charged-off</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,274)</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,088)</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision for Loan Losses</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,319&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,079&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for Loan Losses, End of Year</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,232&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,187&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Key Asset Quality Ratios</font></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net Loans Charged-off to Average Loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.05&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.05&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision for Loan Losses to Average Loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.37&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.09&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td></tr></table></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9</font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>arow-20210128.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2021 Workiva-->
<!--r:847f24fd-05c6-4a8f-855d-19ba83f028d9,g:5d4d494b-559c-4efb-9f0d-2e32d91b01bf-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:arow="http://arrowfinancial.com/20210128" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://arrowfinancial.com/20210128">
  <xs:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2019-01-31" schemaLocation="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="arow-20210128_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="arow-20210128_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="arow-20210128_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="arow-20210128_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="CoverPage" roleURI="http://arrowfinancial.com/role/CoverPage">
        <link:definition>0001001 - Document - Cover Page</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>4
<FILENAME>arow-20210128_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2021 Workiva-->
<!--r:847f24fd-05c6-4a8f-855d-19ba83f028d9,g:5d4d494b-559c-4efb-9f0d-2e32d91b01bf-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://arrowfinancial.com/role/CoverPage" xlink:type="simple" xlink:href="arow-20210128.xsd#CoverPage"/>
  <link:calculationLink xlink:role="http://arrowfinancial.com/role/CoverPage" xlink:type="extended"/>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>5
<FILENAME>arow-20210128_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2021 Workiva-->
<!--r:847f24fd-05c6-4a8f-855d-19ba83f028d9,g:5d4d494b-559c-4efb-9f0d-2e32d91b01bf-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
  <link:roleRef roleURI="http://arrowfinancial.com/role/CoverPage" xlink:type="simple" xlink:href="arow-20210128.xsd#CoverPage"/>
  <link:definitionLink xlink:role="http://arrowfinancial.com/role/CoverPage" xlink:type="extended" id="i295a31b9f5004e03b9f547eb71cf47d1_CoverPage"/>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>arow-20210128_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2021 Workiva-->
<!--r:847f24fd-05c6-4a8f-855d-19ba83f028d9,g:5d4d494b-559c-4efb-9f0d-2e32d91b01bf-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_dei_WrittenCommunications_262591cb-b333-4934-b5b1-982bd70aa3ec_terseLabel_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Written Communications</link:label>
    <link:label id="lab_dei_WrittenCommunications_label_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Written Communications</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_WrittenCommunications" xlink:to="lab_dei_WrittenCommunications" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementTenderOffer_7f576c37-7332-4723-9b12-464c5502ecdb_terseLabel_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementTenderOffer" xlink:to="lab_dei_PreCommencementTenderOffer" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_6574e4ce-64c4-4892-a42e-8cf16bf05038_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_baf71c36-c3d9-4376-8ffb-8c51088e506e_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SolicitingMaterial_2bd36008-8f7e-495c-9f67-87c7f37c5a0c_terseLabel_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Soliciting Material</link:label>
    <link:label id="lab_dei_SolicitingMaterial_label_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Soliciting Material</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SolicitingMaterial" xlink:to="lab_dei_SolicitingMaterial" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_75cace06-dcf0-4168-af46-e62bd19cdb35_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityExchangeName_885c9c23-5d14-43b0-9c10-0a4209017314_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_b717009b-ff87-4f5f-a31f-d0bb4216fe88_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCentralIndexKey_46b101af-df5c-46fe-9b33-4e3ef428296b_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_ab81aa86-ba5d-46d3-b10e-c9b3349cea18_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_26f11245-0bff-4621-aa07-374fa084e7a7_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentType_c9fb6ce1-412d-48f8-8b30-321647a11c2b_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_68f0dc4c-d99d-4ce1-921c-a3626b6d88ea_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_5b5d54bb-8978-46b4-9708-0c7f01683608_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AmendmentFlag_a8d6d36b-568e-4cdb-8f64-b12910cbbd9e_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_b66a8e2f-54ac-4d5b-a247-f13c57316fec_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressStateOrProvince_87c037a1-8f91-4175-b495-91891f048ab1_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressStateOrProvince" xlink:to="lab_dei_EntityAddressStateOrProvince" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_9bb2d2f7-dbba-4eab-9c95-4ae4e340333b_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_TradingSymbol_026768f4-c91f-4a98-b80e-1ff9e15c528c_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_443271a9-288a-4850-8db0-bd84951d749b_terseLabel_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementIssuerTenderOffer" xlink:to="lab_dei_PreCommencementIssuerTenderOffer" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentPeriodEndDate_b410240d-2b38-4de2-9dfc-450d60a09462_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Period End Date</link:label>
    <link:label id="lab_dei_DocumentPeriodEndDate_label_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityRegistrantName_e0d845c0-683d-40cc-ba4c-32227e6c36ba_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" order="1"/>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>arow-20210128_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2021 Workiva-->
<!--r:847f24fd-05c6-4a8f-855d-19ba83f028d9,g:5d4d494b-559c-4efb-9f0d-2e32d91b01bf-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://arrowfinancial.com/role/CoverPage" xlink:type="simple" xlink:href="arow-20210128.xsd#CoverPage"/>
  <link:presentationLink xlink:role="http://arrowfinancial.com/role/CoverPage" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_115dcdcb-8c6e-4677-b0d3-6a3243fcd95a" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_DocumentType_115dcdcb-8c6e-4677-b0d3-6a3243fcd95a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_9a063ea8-ecf8-4827-9b4d-dbf61702cc31" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_EntityRegistrantName_9a063ea8-ecf8-4827-9b4d-dbf61702cc31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_5578f862-f456-446b-b71e-0d515fba0b95" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_EntityIncorporationStateCountryCode_5578f862-f456-446b-b71e-0d515fba0b95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_0db5dc93-2c21-4b75-815d-516a7e91c051" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_EntityFileNumber_0db5dc93-2c21-4b75-815d-516a7e91c051" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_6a3af50d-7117-494f-9f31-e419d185b1d0" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_EntityTaxIdentificationNumber_6a3af50d-7117-494f-9f31-e419d185b1d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_d601e57f-94d7-4e9c-83e8-caa825a8d713" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_EntityAddressAddressLine1_d601e57f-94d7-4e9c-83e8-caa825a8d713" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_8e8cedb9-08f9-417f-83a4-7d284e6cd0f9" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_EntityAddressCityOrTown_8e8cedb9-08f9-417f-83a4-7d284e6cd0f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_6df2a5af-0a7e-4f5d-bed1-a727074dc374" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_EntityAddressStateOrProvince_6df2a5af-0a7e-4f5d-bed1-a727074dc374" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_7ba5ad66-cedf-42ab-aea4-45e8ac1c0e6c" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_EntityAddressPostalZipCode_7ba5ad66-cedf-42ab-aea4-45e8ac1c0e6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_30fd8845-077a-4aaf-9133-b730d3dcc49c" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_CityAreaCode_30fd8845-077a-4aaf-9133-b730d3dcc49c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_062ac2d0-92d0-439a-a9ca-319901d69a06" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_LocalPhoneNumber_062ac2d0-92d0-439a-a9ca-319901d69a06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications_f5938ee4-47af-4b30-ab06-ac518347c7d6" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_WrittenCommunications_f5938ee4-47af-4b30-ab06-ac518347c7d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial_7a589a11-3524-4dbe-b623-231d078c56ab" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_SolicitingMaterial_7a589a11-3524-4dbe-b623-231d078c56ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer_c71819aa-dd24-437d-bb7c-7640a3bc7021" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_PreCommencementTenderOffer_c71819aa-dd24-437d-bb7c-7640a3bc7021" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer_a6ca1708-dfc2-482a-9970-30d81ce8eaaf" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_PreCommencementIssuerTenderOffer_a6ca1708-dfc2-482a-9970-30d81ce8eaaf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_1fea14cb-e5b3-4461-81cd-30f706a723d3" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_Security12bTitle_1fea14cb-e5b3-4461-81cd-30f706a723d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_19727b48-3953-4ff6-b6d2-ee4d12911e3a" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_TradingSymbol_19727b48-3953-4ff6-b6d2-ee4d12911e3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_1a25d2e0-2fff-45fb-821c-2ba035fd1e72" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_SecurityExchangeName_1a25d2e0-2fff-45fb-821c-2ba035fd1e72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_42e60e51-96d9-4253-a7ff-e3c73a280f26" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_EntityEmergingGrowthCompany_42e60e51-96d9-4253-a7ff-e3c73a280f26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_5c08f4b8-b621-4035-985f-16e4d978b994" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_EntityCentralIndexKey_5c08f4b8-b621-4035-985f-16e4d978b994" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_ed22fe05-2283-47e6-b1a5-7fa393b2ea43" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_AmendmentFlag_ed22fe05-2283-47e6-b1a5-7fa393b2ea43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_beaaed2a-0377-4a64-b3a4-85391e1a70ae" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_de361370-6dea-4bae-bb4c-c11eb3787de8" xlink:to="loc_dei_DocumentPeriodEndDate_beaaed2a-0377-4a64-b3a4-85391e1a70ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>newsreleaselogoallreda181a.jpg
<TEXT>
begin 644 newsreleaselogoallreda181a.jpg
M_]C_X  02D9)1@ ! 0$ 2 !(  #_X0!817AI9@  34T *@    @ ! $Q  (
M   1    /E$0  $    ! 0   %$1  0    !   +$U$2  0    !   +$P
M  !!9&]B92!);6%G95)E861Y  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" "( GP# 2(  A$! Q$!_\0
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M_4T?^4__ .V5A^+_ (.?\(KX7O-:_M[[5]FV?N?L>S=N=4^]O./O9Z=JQ/\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M5Y!\ ?\ D8M6_P"O1?\ T,4?'[_D8M)_Z]&_]#-!K6IRJ8SEC*VF_P CT?\
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M (!\245]MT46#^U?[GX_\ ^)**^VZ*+!_:O]S\?^ ?$E%?;=%%@_M7^Y^/\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %?*GB35O&'AKQ'?:/<>)M89[
M67:'^W2#>AY5L!SC*D'&>,XKZKKS#QAX_P# %EX@DLM7T=-7O;=1'),EG#,(
MR"?W>YR.02<@< DCKD 9VX*;C)I1YCP[_A,_%/\ T,NL?^!TO_Q5'_"9^*?^
MAEUC_P #I?\ XJO4_P#A8_PM_P"A+_\ *7;?_%4?\+'^%O\ T)?_ )2[;_XJ
MD>G[5_\ /I_@>6?\)GXI_P"AEUC_ ,#I?_BJ/^$S\4_]#+K'_@=+_P#%5ZG_
M ,+'^%O_ $)?_E+MO_BJ/^%C_"W_ *$O_P I=M_\50'M7_SZ?X'EG_"9^*?^
MAEUC_P #I?\ XJMSPCJ/C#Q1XGL=+BU_7I(I)5-RT5_(#'""-[Y)P, \9[X'
M)(%=O_PL?X6_]"7_ .4NV_\ BJNZ?\8? 6D>9_9GAV\LO-QYGV:R@CWXSC.U
MQG&3^9H)G4FXM1I:_(/CUH7VC1].UV*/+VLIMYRD.28WY4LW9588 /&9.W?Q
M70-7ET'Q!8:K#O+6DZRE$D*%U!^9,CH&&5/7@GK7KOC#XN>%O$_A+4='%IK$
M;W$7[MC%$ )%(9,G>?EW*,X&<9Q7B-!>"A-4>2HO^&/MB&:*Y@CG@E26&50\
M<B,&5U(R"".H([U\Y?%+Q-K^G_$?5K6RUS4K:W3R=D4-W(B+F%"< ' Y)/XU
MZE\(/$*:WX$M;9YM]YIO^BRJ=H(0?ZL@#^'9A<D#)1NN,UXS\7?^2HZS_P!L
M/_1,=#.+ TN7$2A+HG^:*-MK/CV\L9KZUU+Q+/9PY\VXBGG:./ R=S X& <G
M/:M'PU\6?%'A^<">\?5+1FS)#>N7;J,[9#\RG P.JC).TFM7X??$^P\$^$;N
MPDT^YN[Z2[,\:JRI$5*HO+\D'Y2?NGM^'G6FZ;>:QJ,&GZ?;O<7<[;8XDZD_
MT '))X !)XH/04(S<E4@DD>U?&?Q+>P6/AF]T+5KRVM[V*:4/;3/#YJ$1%20
M,'HW?IDUYII^L^/=7\S^S-2\2WOE8\S[-//)LSG&=I.,X/Y&NS^,MA+I7AOP
M1IT[(TUI:202,A)4LJ0J<9QQD>E8GPS\?6'@:#6C=VES<S7:Q&!(=H4L@?AB
M3\H)8<@'OQ08T(\N&3A&[_X)E6'Q \9>']59WUB_DFB;RYK:_D:5>&&Y65S\
MIR,$C##GD5[Q_P +,TO_ (5U_P );Y7_ $R^Q><N_P _./+S_P"/9QG9\VWM
M7SGXI\02^*?$U[K4T"0-<L"(D)(554*HR>IPHR>,G/ Z5J>)+*\\/>%=#T*]
M^TP7,[2ZI/;.-JH)-L<8(R<L!$QY *^9CKF@JMAJ=3DYE9_U<AUSX@>*/$$\
MSW>L7,<,JM&;:WD,4.PD_+M4_,,$C+9)'4FJEO>>)O!E\!')J6CW#[)3$X>+
MS I.TLAX=<[AR".H]:]!^ >D17/B#4]5DV,UE L4:-&"0TA/S@_PD!"ON'/X
M]]\9M-L[OX=WE[/;H]S9-&UO*?O1EI$5L'T(/(Z< ]0,!,\1"G65!1TT_$P/
M"'Q&U3Q?X4\1:9<+C7+;39)+62S5EDG^0KN '1PY7[I&2XP!BO*M,\>^)+'5
M;.[GUO5;J&"=)9+=[^3;*JL"4.2>"!CH>M1^ KR>Q\?Z#+;R;':^BB)P#\CL
M$8<^JL1^-9>LZ?\ V1KNH:9YOF_8[F2W\S;MW[&*YQDXSCIF@UA0IPG*-M'K
M_F>_?&W7[C1_#>G0V&HW-E?3W>Y3;R/&S1JC!OF7METX)_E7AW_"9^*?^AEU
MC_P.E_\ BJZ;XF:Y+JFG>#H&G2Y6/1HYVGWEW>5_DDW-DY(,7USNS[<"895@
M2<Q.(79D60J=K,H!(![D!ER/<>M L)1C&DE):ZGT;_PEUU_PH/\ M[$WVS[#
M]F\SSSYGF;_(\W?C.[/S^N>,]Z\I\$>(?%>K>.-%LAKNJW"O=QM+$]\Y5HU.
MY\@M@C:K<=^E26OB%X_@??Z0LWFNVKQQ/')N/E0LOF+L/09>%N.>K<<@U:^"
M%A%>?$(3R,X:RM)9XPI&"QVQ\^V)#Z<@4&4:4:5*JVNKM^A])UC^+)I;;P;K
MD\$KQ31:?</'(C%61A&Q!!'0@]ZV*Q/&?_(C>(/^P;<_^BFIGBT_C1X'X-M?
M'OC?[;_9GBR\B^Q[/,^TZC.N=^[&-N?[I_2NJ_X5Q\4O^AT_\JES_P#$UA_!
MSQ?H7A7^VO[:OOLOVGR/*_<N^[;YF?NJ<?>'7UKU+_A;O@7_ *#G_DI/_P#$
M4CU<1.O&JU3AIZ&7H?A#QAI_A3Q59:WJW]K7%_8M%9)]LDEVOLD!&9  N2R_
MESTJ#X.>$-=\*_VU_;5C]E^T^1Y7[Y'W;?,S]UCC[PZ^M=GX@U)9_A_JFJ:=
M<.%DTJ6XMITRC &(LK#H0>A[$5Y]\"]9U35_[>_M/4KR]\K[/Y?VF=I-F?,S
MC<3C.!^0H.;GJ3HU).UM+_@>P45\H:-\0/&5G=LEGK%_=W-RH@B2>1K@ABRD
M;$8D%CC;T/#''-=-J/@7XDVVCGQ%?ZS-Y^G122K&^I.]Q G1RK<J,J,G#<CC
MKQ1<<L!R.TYI7V/HFBO-/@YXRU'Q/H]Y9:H?.GTWRU6Z+9>5'W8#>K#9][OD
M9Y!)RM6T?XF^*O&-["NHS:+HUM<ND$T4QB5HLK@@(=TC%<-\QV@[AE3D4S#Z
MLU4<)R2L>P45X!XG\'^,OA[92:WIGBJYN;)9UGN2)6C8RLV-[QEF60$[ 222
M<\C )KU;X?\ B_\ X37PPNI/;?9[B*4V]P@^X9 %)*]]I# X/(Y'.,D"KA^6
M'M(2NCJ:*^7O#GQ%\7P)-I=C?W-YJ6I3P16\UW/YIB.6&U!)E06+*"3P /H1
MJ^(/!7Q'TC2H?$5]K%S<R6:E\17\LD]HK+\YSV '#%2>.>0"0KF[P#C+EG-+
MMYGT917G?P>\6W7B;PQ/;ZE=?:+_ $^41LY4[VB(^1F;HS9#C/7Y03R<GS[Q
M7\1O$/C+Q,FB^$9[F.T\_;:FTW0S7!VX)=MW"@[B/N@#EAD<,RC@YRJ.&UMV
M?0M%?/NH_#OXF:+'=:I:ZS-=W$V#<_8;^7SI BG!.X*7P!@ $GD "O0?A/XJ
MU[Q1HER^N6SDPL#!?&+RUN58L"   I*E<$KZC(R,D%4PRC#GA)-&=\'/"&N^
M%?[:_MJQ^R_:?(\K]\C[MOF9^ZQQ]X=?6O4J\?\ @7K.J:O_ &]_:>I7E[Y7
MV?R_M,[2;,^9G&XG&<#\A1XBT3XH>)/%NH0V>I_V;I=K*PM98KA[>-U(0@?*
M-[M@C)(*A@X!'2D:5Z3GB)*<DO\ AD>P45X!XG\'^,OA[92:WIGBJYN;)9UG
MN2)6C8RLV-[QEF60$[ 222<\C )KT_X:>*I_%W@Z*]O.;V"5K:X<(%5W4 A@
M >ZLN>G.< #%,RJ8?EA[2$KH\F^ O_(\WO\ V#9/_1L5?1-?.WP%_P"1YO?^
MP;)_Z-BKZ)I(US'^/\BKJ6I6>CZ=/J&H7"6]I NZ25^@']23P .22 .:\'U/
MXB^,?'^L2:1X2AFM;<[F1;=@DS1C!W22DX3D?PD#YMI+<9Z;X^:O+;>'],TJ
M/>JWL[2R.LA *Q@?(1_$"7#>Q0?AT7PF\-1>'_ ]K.0C7>I*MW-(N#\K#,:Y
MP#@*1P<X9FP<&@=*,*-'VTE=O8\WU#P?\6K"QCNEUC4KO=$9)8K;5)&DAP =
MI!(W-U&$W9(/MGJ?A;\4I_$-TN@Z\V_4GW-;7*1@"8 %BK!1A6 !(( ! [$?
M-ZS6/:^%=!LM;N-:M]*MDU*X;?)<;,L&P02N?ND@G)7&[/.:9,L5&I!QJ1UZ
M-&Q17BOQ-^)NJ)K;>%_"[NDR-Y,]Q  \DDC#'EQXS@@G!(^;<,#&.<J7X;?$
MZ-!K"ZV\NI&!8]B:G)]H"$@F/><+@$Y(WXX.,\4"CA/=4JDE&^Q[_17BOPR^
M)NJ/K:^%_%#N\SMY,%Q. DD<BC'ER9QDDC )^;<<'.>&?%CQ5JGASXD:/):W
MMXMG%;0W$MG%<M''-B9\A@..0,$D'B@7U.?M?9OU/;:*\.\+67Q+\4^)+'Q%
M=WMS9Z3+/'=&,W;10O$'7Y$B4DX*@XW###DDYR<OX@^-/$/AWXJ:G_9^J7*P
MPJBQVSRLT*EK=1GR\[206W#(QD D&BY4<$Y3Y(R3=K_\ ^A:*\ D\ ?$[7].
MBU:]UA_.+?;(K*XO)$ECD&2NU,;(VYX&1MS@[>0)/!OQ'\0>&/$X\.>,))I(
M/-$#O=N/,M7)R',A^\AW<DD_+@J<#!0/!WBW"2;70][HKS[XI?$%O!NG16>G
MA&U:\5C&S$$6Z#CS"O<D\+D8)!SG;@^=Z;X,^(_C;3H-:N-<>*.2?[5;)>W<
MJ$-U66-%4A!R=N,<=!@C+(IX5RA[2<E%'T+17SMI/CSQC\/?$:Z=XK^V75JV
M'F@N9!+)M;'SQR9.<8Z;MN=PX/([[XRZS=6?@;3[[1]2F@\Z^CVW%G.5\R,Q
M2$893RIP#Z=*!RP<HSC&^DMF>ET5\[6.I?$;XA1V2Z)->6ME8116DEPEX8@T
MFT!Y)'R&D8XW$ $J".,G+>@^,8O'UKX7\/Z1X>+W%[)!Y&HW<3@OO6(#(D<C
M:&.\[^#D+R"<$">$Y9*+DKO\/4](HKQB7X3>,Y[6"^E\;S2:S;[O(5YIBD6X
MX;;-G<,KUPG/3IS1\+O'FLIXC?P9XB\ZYNA+*D5Q))ODBD3<71VR=R_*V#DD
M'CD$;0'A4X.5.2E;<U?C'XOUWPK_ &+_ &+??9?M/G^;^Y1]VWR\?>4X^\>G
MK7>^&;R?4/"FCWMU)YEQ<6,,LKX W.R DX' Y/:OGWXMZ)K^EZZ+K5]3^UV=
M[<W,EA%]HDD\B/<IVX8 +PR#"Y''L*]%^%/AOQ3IWV;5-4UK[5I%SIJ_9;3[
M5*_E;MC)\C#:N%!'!XS@<4C>K1IK#1DFK_F97A_P+XDL?C1-X@N--V:6U]=R
MB?SXS\CB0*=H;=SN';O7L]>#^&O$&M3_ !YGTZ;5[^2Q&H7J"V>Y<Q!567:-
MI.,# P,<8%='\5OB;<^&ITT30W1=295EGN2%?R%)X0*<_,0,G<.%(QG=D!->
MC5JU8PTO9?<>JT5X!9?#?XE:O!8ZM<:^]O<HK- MY?SB>W##!Z*=A(QD YQP
M>>*D\&_$?Q!X8\3CPYXPDFD@\T0.]VX\RU<G(<R'[R'=R23\N"IP,$(>#NG[
M.2DUT/>Z*\?^.FLZII']@_V9J5Y9>;]H\S[-.T>_'EXSM(SC)_,UCV\OQ+^)
MD[ZGIMZ^C:2&?[-MN6@3@J"N4&^0\?>(VY# 8^[3)AA'*FJCDDF>\45\T:/K
M'B;X8^-;32=6O9HM/BE"30NSR6[6[O\ -)&OYL"HSD$$?>6OI>@C$8=T6M;I
M[,*\8O?@//J%]<7MUXK\RXN)6EE?^S@-SL<DX$F!R>U'QO\ %VHZ7?:7I&E7
M]Y9/Y374[6[^7O!.U!N4[N-KY'3D=<<>3?\ "9^*?^AEUC_P.E_^*I';A,-6
M4.>G*U_(]3_X9[_ZFC_RG_\ VRC_ (9[_P"IH_\ *?\ _;*\L_X3/Q3_ -#+
MK'_@=+_\51_PF?BG_H9=8_\  Z7_ .*H.OV6+_Y^+[D>I_\ #/?_ %-'_E/_
M /ME'_#/?_4T?^4__P"V5Y9_PF?BG_H9=8_\#I?_ (JC_A,_%/\ T,NL?^!T
MO_Q5 >RQ?_/Q?<CU/_AGO_J:/_*?_P#;*/\ AGO_ *FC_P I_P#]LK@?#VH^
M.O%&L1:7I>OZQ)/)RS&_E"1H.KL<\*,_R R2!7U1#$L$$<*%RL:A07<NQ &.
M68DD^Y))H.3$UL10:3G=OR1XK_PSW_U-'_E/_P#ME>8>,O#$OA#Q-<:1)*\Z
MQJCQSM"8Q*K*#D#)X!RN<GE37UY7D?QK\&7^M)8:UI-B]U/;J8+E(=S2LA(*
M;4'4 E\XY^8=0. ,)C:DJJC5>C]#C_@;K;6'C232V9_)U* J%501YD8+J23R
M %\P<=V''<8_Q=_Y*CK/_;#_ -$QUR6F7\NE:K9ZC J--:3I/&K@E2RL&&<8
MXR/6NZ^(NBZOX@\<WVKZ1H^I7NGWD5O+;W$-G(R2(8(\$';0=S@H8GVCZK]4
M8]AX*EU3X<WGBBTD=IK&[:*>WVD[H@L9WK@<%2Q)SQMYXV\R?#7Q3/X8\8V;
M?:/+L+N58+Q'D"1E&. [$C V$[L\< C(!->N?"'0+B+X?ZII>MZ=<VZW5W*L
MD%Q&\3/&T4:GK@X/(R*\5O? GBFSOKBU_L'4I_)E:/S8+.5HY,'&Y3MY4XR#
MZ4$0JQJNI2F]#TS]H3_F7/\ MY_]I5Q?P^\ Q>.=.UT+=O;WUFL)M2<>4S-O
MR'&,X^0#(Z9S@]*Z;XB6OB;Q5X2\'W<NA:D^H)%<+=QI:N75P8UW,H4;=^TL
M!@=>,XK;^!>C:II']O?VGIMY9>;]G\O[3 T>_'F9QN SC(_,4&,:CI8/1^\O
M_DCQ+1]6NM"UBTU2R?;<6LHD3)(#8ZJ<$':1D$9Y!(KT[XV0Q:G!X;\4VL5R
M(;^TV$NHVHN!)&#CHQ$C\9.=O'0UE_$GP#K5MXXOY],TR_O[2]8W:R06[R[&
M<DLK%5P"&W8'/RE><UV'@;PW>>)/AGJ'A+Q#87^GM;S^99SW-GL\L-\P*;@"
MQ#!]W?;)C(SP&M6K#W*Z>V_H_P#(P_@'J\5MX@U/2I-BM>P++&[2 $M&3\@'
M\1(<M[!#^'=_&G5K6Q^'UQ8RO_I&H2QQP(",_*ZNS$9SM 7&1GEE]:\*\0^!
M?$?AB27^T=,F^SQ\F[B4O"06V@[QP,GH&P>1D#-06]GXF\9WP,<>I:Q<)LB,
MKEY?+#$[0SGA%SN/) ZGUH%/#0J5EB%+3_(G\!6<]]X_T&*WCWNM]%*1D#Y$
M8.QY]%4G\*W_ (T6$MG\2+J>1D*WL$4\84G(4+Y?/OF,^O!%>I?"OX=2^$()
M]1U4)_:UROEA8Y2RQ1$*Q4\ ;MPY.2/E&#USRW[0&FJ)]$U1+=]SK);S3C)7
M (:-3V!^:0CN>?3@)CB8SQ:4=K6_4\8DFEE2)))7=8EV1JS$A%R6P/098G'J
M3ZUZ9XR\/RV7P:\%W<TZ%HFD 1 2&6XS,IR<8("@$8ZD\\<^9PPRW,\<$$3R
MS2L$CC12S.Q.  !U)/:OJ7X@Z(K?"G4]+T]4AAM+1&C5V)"QPE7QGDD[4P,]
M\9/>@UQ57V=2FO/_ ('ZGR\MY.EC+9+)BWFE25TP.70,%.>O =OS^E>X_L_V
M$L>E:WJ)9/)GGC@503N#1J6.?;$JXY[&O!Z^H?A!IJZ=\-]/;[.\,UVTEQ+O
MR"Y+$*V#T!14QC@C![YH1.8RY:-N[_K\CNJQ/&?_ "(WB#_L&W/_ **:MNL3
MQG_R(WB#_L&W/_HIJ9X=/XUZGB/P<\(:%XJ_MK^VK'[5]F\CROWSIMW>9G[K
M#/W1U]*]2_X5%X%_Z ?_ )-S_P#Q=<3^SW_S,?\ V[?^U:]MI';C:U2->2C)
MI:=?(YWQ-9P:?\-]8LK6/R[>WTB:*),D[46$@#)Y/ [UYI^SW_S,?_;M_P"U
M:]2\9_\ (C>(/^P;<_\ HIJ\M_9[_P"9C_[=O_:M J3OA*GJOS.<^!EG!<^/
MY)9H]SVMC)+"<D;7+(F??Y78<^M?1LT,5S!)!/$DL,JE)(W4,KJ1@@@]01VK
MYY^ O_(\WO\ V#9/_1L5?1-"#,6_;_(\.^ ,T5M!XGGGE2*&);=Y)'8*J*!*
M223T '>BU\<^._'_ (JN(/"$J:;IL*_>GB1E1><-(Q5OF8]%7/3OAFIGP'LX
M-0L?%=E=1^9;W$4$4J9(W(PF!&1R.#VKG-&U3Q'\'/$=U!?Z9YMK<_(ZG*QW
M&SE7BEV]M_IT;! .,!USA&5:I9)RTLGZ'6^*M#^*:^%=2?5=<TJ_T](&>XMT
MACW,@Y)&Z%>5 W9R#QQSBMCX"_\ (C7O_82D_P#145<MJ_BSQC\5=+FTO0?#
MGDZ:VTW#^8&WLC!MOFOM4=4.T#=QG."16Q\!);R*#Q%I=R'C6UGB;R'3:T<C
M!U?/&<_NU&#TQ]:#.K&2PTE*R::T7_ .6^!$,4OCRY>2)':+3Y'C9E!*-OC7
M(]#AB,^A/K7N/C/_ )$;Q!_V#;G_ -%-7B/P%_Y'F]_[!LG_ *-BKV[QG_R(
MWB#_ +!MS_Z*:A&>-_WI?(\5^$\TMMX-\?SP2O%-%IZO'(C%61A'.001T(/>
MM']GW[+]NU[?Y/VSRH?*SCS/+R^_;WVY\O..,[<]JG_9[_YF/_MV_P#:M8^N
M>$?%'PT\53>(/#<#RZ6C,ZM$"ZI$<L8I4R6V@+RQXX4Y#= Z*KC.I5HWLW:W
MW(^A:*^=M0^-7B;6]+CTJPL8;6_N<Q//:!VD<LP"B)<Y1L<=6))R-IQ7HOPG
M\.^(]'T<W6O:E>$3Q(EOILSEA;QK]TG=RC8XVC  ZY. K."IA)4H<TVD^QRW
M[/?_ #,?_;M_[5HMO'GCGX@>(YK3P>(=,L(,L9IXE;"'[IE8A@&)!PJCN>H4
ML#]GO_F8_P#MV_\ :M<SIFIZ]\&O%5];W&GO<Z?<,8_WJ^4MTJ9V2(_S8(#@
MD#.-Q!YP0CNG!2KU+).6EK^FIUGB72OBQ;>&-3FO_$.FW=DML_VF&&- [18(
M?&8EZ+D]0>..<5J_ 7_D1KW_ +"4G_HJ*N9U?QSXO^)6E?V5X;\.7-K;3,T=
MS/'+O60!<^692JJ@QU!.6R!T)#2? K5=1M==U3PU<)Y=ND3W3Q21[9(IE9(V
M'J.#@@]U'3G(14A/ZM)2236ME;]#*^ O_(\WO_8-D_\ 1L5?1-?*EO>ZY\*_
M&MW]FB_>Q^9 IN[=E2YAWD!P,YVDH&!4]NI&<_1G@K6+_P 0>#]/U74[=+>[
MN59VC1&1=N]@I 8DX*A3G/.<]*$9YC3;DJJV9P7Q\TB6Y\/Z9JL>]ELIVBD1
M8R0%D ^<G^$ H%]RX_'J?A?XBL]>\#Z?% Z"YL($M;B -ED*#:K'@<,%R.W4
M9)!KJ=2TVSUC3I]/U"W2XM)UVR1/T(_H0>01R" 1S7S[?^&/&7PJUM;[19;F
M]T\+YTDT$+>2ZH#N6>,$X !;!)Z'(((. FCRUZ/L6[26Q]&5E1>)-&FUZ?0E
MU"$:I!MWVKG:YW+O&W/W_EY.W..^*\+_ .%S>-]9_P")?IEC9K>2_P"K-E:/
M)+Q\QVJS,#P#GY3QGZUN?#CX6ZB^L1^)?%2S1RQRK<V]O))F664X822'.1@G
M.T_,6SNP!A@EX-4XN5:5NQC_  SD67XTWTFN1)#JKM=,D2$E4N2QW@8)& OF
MCDD>^<5]"UX7\1OAYK.G>*U\4>%;.:=6E%W*L1\V2*YWYW",C+*20V!NP=V<
M+BLZ/X[Z\/#\MI)8VS:F5V1WZG 7@#<8\$%NIZA<D?+@8(;5J$L5RU*3OI:W
M8/%L-A!^T#IZ6,3QL=0LGN5*J%,K,C$KCL05))Y+%JT?BI9P:A\9/#-E=1^9
M;W$5K%*F2-R-<.",CD<'M4_PM^'&HOK"^*O$L<T<L<K206]TF9993G,L@;D8
M))&?F+8;@ ;CXD?\ER\(_P#;G_Z4O0:J<?:J$7?EBU<]MKYV\5_\G%6__82L
M/_08:^B:^8OBC9SZA\7]1LK6/S+BXEMHHDR!N=HHP!D\#D]Z&<V7*]22\G^A
M].U\]?'F&PB\76+P1.E]+:![E@JA'7<50\<EOE8$GL$QTJU!\6?%O@^UDT7Q
M%HWGW\,6RWGN69'."P#N>1*N0!N4C.T_,2<UA^#?!NN?$3Q.-9UD3/I[RB:Z
MN[A6 N0#CRX\8S]TK\N @'; !#7#4'AY.K4>B_$O?%+_ )+%:_V__P @C_1M
MO_7KG]Y]SYOO>;_M>G&*^B:\T^+/P]G\5VMOJ>D0>;J]OB(H9@@EAR3@;N-P
M8YZC@MU.T5Y]HWQ:\4>$+1M$U334F:V@$5O'=1&"6#"J(PP &Y0!G! 8Y^]0
M2Z;Q-&'LWK'2QT7[0$-@L&B3F)QJ3M(BR*J[6B4 D,>I(9EVCIR_K3/B1_R0
MWPC_ -N?_I,]<YH?AGQ'\6?$YUG6FF@TUN7N=A5/+!($4 /!Y##/(');).&[
MOXZ0Q6WP_P!.@@B2*&+4(DCC10JHHBD   Z #M0:*U.5*C>[3U.S\!6<%CX
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M;?F  (#8;-!E0P\L-/VM5V2_$T?CC)>2Z5X0DU&)(;YX)FN(D.520K#N Y/
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>444 %%%% !1110 4444 %%%% !1110 4444 ?__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>arow-20210128_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xml:lang="en-US"
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="arow-20210128.xsd" xlink:type="simple"/>
    <context id="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000717538</identifier>
        </entity>
        <period>
            <startDate>2021-01-28</startDate>
            <endDate>2021-01-28</endDate>
        </period>
    </context>
    <dei:EntityCentralIndexKey
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY180L2ZyYWc6YjhlMDk0ZDEyZjIwNDNiNzg3NzQ2ZWMxZjg2MzI3ZDIvdGFibGU6YmQ3Mjc4YmE4NWNiNDZjMzkyYTdhZDM3NzJiOWVmZmYvdGFibGVyYW5nZTpiZDcyNzhiYTg1Y2I0NmMzOTJhN2FkMzc3MmI5ZWZmZl8xLTEtMS0xLTA_0a1a7df1-5848-46df-a96b-e4c93a2491ba">0000717538</dei:EntityCentralIndexKey>
    <dei:AmendmentFlag
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY180L2ZyYWc6YjhlMDk0ZDEyZjIwNDNiNzg3NzQ2ZWMxZjg2MzI3ZDIvdGFibGU6YmQ3Mjc4YmE4NWNiNDZjMzkyYTdhZDM3NzJiOWVmZmYvdGFibGVyYW5nZTpiZDcyNzhiYTg1Y2I0NmMzOTJhN2FkMzc3MmI5ZWZmZl8yLTEtMS0xLTA_395ed5fc-daef-460e-8f0f-b23335cabe37">false</dei:AmendmentFlag>
    <dei:DocumentType
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGV4dHJlZ2lvbjo4NmY4ZDY4NTFiMWU0MDIyOWQ5ZTM0YzJjYTIwNDk5ZF8xMTg2_20d5ef3b-ab44-498e-8359-4f1a0b90a4c2">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGV4dHJlZ2lvbjo4NmY4ZDY4NTFiMWU0MDIyOWQ5ZTM0YzJjYTIwNDk5ZF8xOTE_6db040be-76e4-4cc1-917a-21a7460a7481">2021-01-28</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGV4dHJlZ2lvbjo4NmY4ZDY4NTFiMWU0MDIyOWQ5ZTM0YzJjYTIwNDk5ZF8xMTg3_76162ef8-823f-491e-8b6f-3664cb686fbc">ARROW FINANCIAL CORPORATION</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ODRlNjFiN2UwMzE1NDlkZGIwNDE0YTY5ZTZlYzg3YmIvdGFibGVyYW5nZTo4NGU2MWI3ZTAzMTU0OWRkYjA0MTRhNjllNmVjODdiYl8wLTAtMS0xLTA_ad34317f-30be-49d6-8cae-16c8dea6259c">NY</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ODRlNjFiN2UwMzE1NDlkZGIwNDE0YTY5ZTZlYzg3YmIvdGFibGVyYW5nZTo4NGU2MWI3ZTAzMTU0OWRkYjA0MTRhNjllNmVjODdiYl8wLTEtMS0xLTA_84d152d6-b5e8-4ed5-bd78-e6d3ef699c79">0-12507</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ODRlNjFiN2UwMzE1NDlkZGIwNDE0YTY5ZTZlYzg3YmIvdGFibGVyYW5nZTo4NGU2MWI3ZTAzMTU0OWRkYjA0MTRhNjllNmVjODdiYl8wLTItMS0xLTA_7173311a-9f55-404e-9d87-986356fb4b97">22-2448962</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18wLTAtMS0xLTA_9f7c9fca-54c7-44c0-84a0-2af14a1a3906">250 Glen Street</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18wLTEtMS0xLTA_03b616eb-0a35-439f-abca-aaf2b924e2a4">Glens Falls</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18wLTItMS0xLTA_3ab863c0-2a92-44e0-badd-373231f23f4c">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18wLTMtMS0xLTA_f670a0cd-7871-493f-b5ff-3370ba73f9c1">12801</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18zLTMtMS0xLTA_a684e7e8-1871-4c19-a78f-fe7cbbf9dfba">518</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6ZGQ5ZmQ3NDQwYmJhNGVhN2E4YzRhNGFhNjlkMjUzMGMvdGFibGVyYW5nZTpkZDlmZDc0NDBiYmE0ZWE3YThjNGE0YWE2OWQyNTMwY18zLTQtMS0xLTA_ab1f2c9e-d94a-47dc-9845-39debe117ef9">745-1000</dei:LocalPhoneNumber>
    <dei:WrittenCommunications
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6NGUwNGY4NDAyMTg4NGUxZWIyMmE2MGZiYTdmMWNjZDUvdGFibGVyYW5nZTo0ZTA0Zjg0MDIxODg0ZTFlYjIyYTYwZmJhN2YxY2NkNV8xLTAtMS0xLTA_e53e9384-5f29-4631-8b88-0a1bd7d3e0b8">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6NGUwNGY4NDAyMTg4NGUxZWIyMmE2MGZiYTdmMWNjZDUvdGFibGVyYW5nZTo0ZTA0Zjg0MDIxODg0ZTFlYjIyYTYwZmJhN2YxY2NkNV8yLTAtMS0xLTA_6f8fd748-1695-4cf3-80a8-648c5193e300">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6NGUwNGY4NDAyMTg4NGUxZWIyMmE2MGZiYTdmMWNjZDUvdGFibGVyYW5nZTo0ZTA0Zjg0MDIxODg0ZTFlYjIyYTYwZmJhN2YxY2NkNV8zLTAtMS0xLTA_a0c43088-0066-4119-80bf-380677e3cd90">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6NGUwNGY4NDAyMTg4NGUxZWIyMmE2MGZiYTdmMWNjZDUvdGFibGVyYW5nZTo0ZTA0Zjg0MDIxODg0ZTFlYjIyYTYwZmJhN2YxY2NkNV80LTAtMS0xLTA_b3a7ef3b-82f6-497f-a88d-b0ec2aaccc80">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6OTFjNDE0NjQ2ZWU0NDgyMmE5Mjg0NjI1ZWY3NjU4MzgvdGFibGVyYW5nZTo5MWM0MTQ2NDZlZTQ0ODIyYTkyODQ2MjVlZjc2NTgzOF8xLTAtMS0xLTA_59a3e425-91af-49af-a1d3-cd6da8777bc7">Common Stock, Par Value $1.00 per share</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6OTFjNDE0NjQ2ZWU0NDgyMmE5Mjg0NjI1ZWY3NjU4MzgvdGFibGVyYW5nZTo5MWM0MTQ2NDZlZTQ0ODIyYTkyODQ2MjVlZjc2NTgzOF8xLTEtMS0xLTA_441ef5cd-3952-4fd3-916f-989169a9c882">AROW</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6OTFjNDE0NjQ2ZWU0NDgyMmE5Mjg0NjI1ZWY3NjU4MzgvdGFibGVyYW5nZTo5MWM0MTQ2NDZlZTQ0ODIyYTkyODQ2MjVlZjc2NTgzOF8xLTItMS0xLTA_03d3d3ac-977f-4596-be86-9af76dd13643">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany
      contextRef="i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128"
      id="id3VybDovL2RvY3MudjEvZG9jOmQ0ODlhY2U4ZGUzOTRhN2E4YjZmODlhZmQ5ZDEyNDFjL3NlYzpkNDg5YWNlOGRlMzk0YTdhOGI2Zjg5YWZkOWQxMjQxY18xL2ZyYWc6ODZmOGQ2ODUxYjFlNDAyMjlkOWUzNGMyY2EyMDQ5OWQvdGFibGU6YzFhODA2MTE1YTkyNGY2ZDgxMjMxMWRkYTkwODI4ODQvdGFibGVyYW5nZTpjMWE4MDYxMTVhOTI0ZjZkODEyMzExZGRhOTA4Mjg4NF8xLTItMS0xLTA_ae47447c-9585-4d52-8879-57c08c1dd5b8">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.4</span><table class="report" border="0" cellspacing="2" id="idm140247333820856">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover Page<br></strong></div></th>
<th class="th"><div>Jan. 28, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">ARROW FINANCIAL CORPORATION<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">0-12507<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">22-2448962<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">250 Glen Street<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Glens Falls<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">12801<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">518<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">745-1000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, Par Value $1.00 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">AROW<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr 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_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000717538<span></span>
</td>
</tr>
<tr 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_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jan. 28,  2021<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>11
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M=]W3CHG&K=!X#;[Q3X?#KHG&J]!TZVDF)_VN:Z3I%FA"1N/K>A(5M>5 TR
M6'!VULS2 Y9>*?IUE!K9';O=05SP6.XYB1'^QL4$UFG2&98T1G*=D 4. #?$
MT4Q0?*]!MHK@PI+27)#6SRFU4!H(FLB!]4>"(<7<K_WUE[O)I#-ZG7TZSFN4
M?VFK :?MNYO/D_QSZ.2?IY/734+.<+PL"?'[(UMAAR=N.Q-R.AQG0GS/]O:1
MI24RS^_Y"NM./&<?5I:P7<_/Y)Z,<B.[W?98??9/1VXCUZG LR+7E$8D19_(
M+;KD$3BU20TR$S\(G8:8:E < J0),9:AAOBTQJP1X!-]M[X(R-^-B/>K;YH]
M5Z%82=J$^!!&&N*<<^9ST6S[!Z5&T?95O-RCEU@5 9<8WS2J-2S%UGB5P/&M
MG#P=$Q+-E L&08:7)"82J3E^34@3_BNEVOZ<TT#PE"\D^DJ1CVFS(Z=T)LWH
M,QK!1J\;=8=HTCQZ_@7YG#4*')$;'0)G&[-&(81IN_ >KR2.FJW"$2M"/F(9
M-AIRM1:!MG&IA&!:$L;1>$[2M!'\6:PUDSY@R.S-D77.UI$.$9)>-T(^8LZ+
MD!&_'H8X2IKMHG%8!/V>7L-)P>B"RV;]N'Z&U3-L+([W1]072N0/)J<_Z3(T
M!Z.:60F]A%9JGZJ'-#ZH'C(*!?&Y'C[E>G@*-Y;&O%"N@GL!_]':-\*K^(+
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MU4#E/]O4#6CV#30<D05>,9FV-J/D3@H\W/[O#;#"Q([A[8N_ 5!+ P04
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MVJ5QD L9>3T\$MP>:4#M.*2VBZD8_1!2:5K5N %(MB6/:<Z10J[4+!XUA])
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MX_T,:3?D@6)8YL_X>\87_QO.\1'"[K\_L;S63AI_YHOA/UY_ 5!+ 0(4 Q0
M   ( %%Z/%('04UB@0   +$    0              "  0    !D;V-0<F]P
M<R]A<' N>&UL4$L! A0#%     @ 47H\4OO0^1SO    *P(  !$
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M;',O+G)E;'-02P$"% ,4    " !1>CQ2&445]3<!   G @  #P
M    @ %A#P  >&PO=V]R:V)O;VLN>&UL4$L! A0#%     @ 47H\4B0>FZ*M
M    ^ $  !H              ( !Q1   'AL+U]R96QS+W=O<FMB;V]K+GAM
M;"YR96QS4$L! A0#%     @ 47H\4F60>9(9 0  SP,  !,
M ( !JA$  %M#;VYT96YT7U1Y<&5S72YX;6Q02P4&      D "0 ^ @  ]!(
#

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.20.4</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>95</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="arow-20210128.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>0001001 - Document - Cover Page</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://arrowfinancial.com/role/CoverPage</Role>
      <ShortName>Cover Page</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="arow-20210128.htm">arow-20210128.htm</File>
    <File>arow-20210128.xsd</File>
    <File>arow-20210128_cal.xml</File>
    <File>arow-20210128_def.xml</File>
    <File>arow-20210128_lab.xml</File>
    <File>arow-20210128_pre.xml</File>
    <File>ex99-earningsye2020.htm</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2019-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>true</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>16
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "arow-20210128.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "contextCount": 1,
   "dts": {
    "calculationLink": {
     "local": [
      "arow-20210128_cal.xml"
     ]
    },
    "definitionLink": {
     "local": [
      "arow-20210128_def.xml"
     ]
    },
    "inline": {
     "local": [
      "arow-20210128.htm"
     ]
    },
    "labelLink": {
     "local": [
      "arow-20210128_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-doc-2019-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "arow-20210128_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-ref-2019-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "arow-20210128.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd"
     ]
    }
   },
   "elementCount": 23,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2019-01-31": 2,
    "total": 2
   },
   "keyCustom": 0,
   "keyStandard": 95,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "arow",
   "nsuri": "http://arrowfinancial.com/20210128",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "baseRef": "arow-20210128.htm",
      "contextRef": "i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "0001001 - Document - Cover Page",
     "role": "http://arrowfinancial.com/role/CoverPage",
     "shortName": "Cover Page",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "baseRef": "arow-20210128.htm",
      "contextRef": "i2c1d4ca09cba46cfb184bc8baa087221_D20210128-20210128",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation, State or Country Code",
        "terseLabel": "Entity Incorporation, State or Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre-commencement Issuer Tender Offer",
        "terseLabel": "Pre-commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre-commencement Tender Offer",
        "terseLabel": "Pre-commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Title of 12(b) Security",
        "terseLabel": "Title of 12(b) Security"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://arrowfinancial.com/role/CoverPage"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>17
<FILENAME>0000717538-21-000058-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0000717538-21-000058-xbrl.zip
M4$L#!!0    ( %%Z/%*V*$XLCQ,  .Q_   1    87)O=RTR,#(Q,#$R."YH
M=&WM76ESVD@:_CZ_HI?9V<U4I4%'ZR*)MUB#63*1B#$. U]2+74+A 5B)6'
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MG']IUU+[1(+?E>\2E:G!?!EK)C$QT9F/J:6[F!//4JE"0-+0PH$$_PS9T%3
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M(QJ&R1M.'R>ZM01R9O@VXZ^0,\@VM;ZA^58T7[E6*G7!B?*$J+44D+Q<PBZ
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M;U\VXY<$C [L?E@/?%CJ)XE@]K]AQ.R%YH('ERU^]>J[S0]02P,$%     @
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MY:UXN%&OSQ;)_&:FUI]=YTK;W<[RO.:U1$E+E"@J4?[6%&S2 _Z1\!:[6(\
MKDKWX[$P[N/TX]'@7IKZH$X/>"-,;\C+ ?4NE4.-W<=0O:&?'O&QAD56L-D
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MWJ5@U_/ \F],;5?RS:;N,O^:S1*1%$EZ]:<I'7G"9E,S]0\B"(G1=:P IJ$
M5$<Q(+&(=1"+D,'6-P5VW8]-W$\(O37$]IJVL'=8SOTX.;&27>AP$G!SUCVT
M:W$ZF&R;$]I4[!ZKGCUY]=]%DBHTC4-A?D\8 2DT!!A%!#"-(Z BHV9$S;0_
M"#MUY<TH8Y/N=M=9'7@E6.]3ZGQE;R/6L3MWI6O@_MR:J>X]VL;$L;ITS?>O
MZ=.V]!H[M=6X0Z]6XC8W7M_=BVOSZZJ/YA>?$A(**OP A!*9B7[ (: "00#-
M=!]2B.( X=;=VA)@;*)?8_36(+T2I4/+MI'8HFGWI.;4;=N-%;?.O2?U/KW;
MYG:X[KTGJ5K_WF?G+N'RFOUMKEAUKXC'*(:0<J UB0'6H08L0!I(R#GV4:05
M:7V/;M/QV"1;S09+<([WVVID'99H5PI.+,V6V3M)TI9J#RG6W TF05L2F]*S
M?M]!<ME/E;_EBR)GHF@SC#;MQS2.2ES>?]?(_G>DD63+ML]0JOD;;BS9TJ@-
M)JM!URG8N4J-H]F'5*K[?ZN'*8XX@HB9TJU# ;"IW(#R<D6%"I3&/O%IU/JY
MJS7"V$KZ:D*Q0NE5,#V#TW7*M4UDV^E6#WJ&F6JU9Z;#%*LA^][3JVV_ T^M
M&M+:G58U&7:5\R6[_R"-ST2OEF=\O)USE4\9)X@Q$@'.0FED+0-@=*Z *,6-
MJ5 ,.3Y$;8@T4GD;M%X=KK?$ZRKS)H+;ROT(M TC>W?&.LC_ !N]RT"3_X'+
MP8$T=\O"H1.ZEH?WR4RM!JP?:81\' +(M385P4> ,1B#(,::08)5S&*WBO#D
M?*1%H 384?8;Q+55>C<ZAA%W&R8ZR'DWY=X*WG YL&AWD]G5J<7&79KKUW@N
MS:E3036/A$( (]\T:J()(#R (/!1A&.&D/!;7W]O.AZ;)!_?72K!M5=CC:O#
M2NS*P(E5V"YY)P':,NTAOIJ[P81G2V)3=-;ON_;"=W.57R7IU;_R[*ZX/L_F
M-RQ]F$9$0RFP ))2H[]2B=1' K @\B,>24(4<VN+UCACD^.J+ZRQ>DNPW@JM
M:[>T4]NV<?8F;)@>ZLI5AWZZEXG>K=7N?> NNS?%W8:[W[S[@TCD\\NDF*EI
MR$,98LX!H3$QE\4< QI# J"(-401"2+8>J*\[7QLHJ] >9GVD/]W_@]O#=?]
M">0C>X<EWH>3$^O:E8Y.CQZW\S["8\='EX,_<MQ.QO:X<<?&7:1O3<^79=]_
M/V-74T9D)(.(@S BRG1H:;2J(PPX\BF"@G-)6R_;K7D>FSP?P7DENO:JK--U
M6)*=23BQ'EOF[R1#:ZX]-%CW-Y@ K6ELJL]NX"Z]<FN$V>?K+%W?_>!1Q(CR
M-0@Q$P#+D /FXQAH%(@P#LI'_:V7U&X['YL *WQ>!=#YMM$.<8=UV(>.$TO1
M@0DG.3:EW$.1.RX'$V53,INZ;+3IN82V>EWF4_XYSWXF!NB4Q (&,4.F-=+R
M7E(< HYI""@B%&F(">.HTRK:K4!CD^SV\M#'U[O6@#NNI-WFM^U<MC]KPTQF
M.Q#6?4%M QO'6E.[[?[7+*MM2+)Q96V3?<_"\#E;%&SVG^2F6GI&.?>EKV,@
M.6< *\8!%:8L8*:P"C ,@L!Q=8<MS-B+PA*L9]!V>FW6RJQC0>C,U\#EH"U5
MW8N!E8ECE8*Z\U]3"*P)-I8!N[5[$;C,6;EOW->'.<]F4^A'<40T!L)T?Z-V
M2@ G4 &D-54H%*%/6E^UUSR/3>HK<-X277MEU^DZ+.;.))SZ'E:[_)WD:LVU
MAT+K_@83I36-31W:#7KO:O-AL;A5^>8>+!@'?HP8!3XAI@N3$ (B.01<$G.-
MCF2,:=>];7:"C4V@.QNW+!$?9Z.;7:H/*_F8!)Y8W+VXZ[/W32,IQ]L!9S?$
MK]H'IS'9/;OA-)_3?3G(XU:&?YB)P91C!'U<[K+* P*P5#Z@4@N 0R@CR"#%
MD>^Z+J0686R%XG&-Q!*E9V!Z)4[WM2)U(@]7A-[TG+@,.#/3:2&)-?LCK"BI
M^QU\:8DU+=L:$[MAU]GX%W65E&]LI$7UEJ:"IM6' H*(!!)@* 3@# L0^+X?
MJT@$$7=<95(/,#8QKZ:53R =7W6UDMAVRMV=FF$FVVU9Z3#'MJ?>>W:]Y7;@
M>;4]J=T9=8-=DX0W>;\P1V^>K3])EIMZOWGV?U!+ P04    " !1>CQ2O>.(
M+[4&  !V,0  %0   &%R;W<M,C R,3 Q,CA?<')E+GAM;-6:;6_;.!+'W_=3
M^+QOCS$?13)HLLAEVT-PV6W09M'%O3'X,'2$RE) *TWR[6^D)&V>NB?$ J*^
M<6R9YLS\YQ=R.-+;7Z_6U>PKY$W9U'MSMD/G,ZA#$\MZM3?_\_0],?-?]]^\
M>?L/0O[ZU\?CV6]-N%A#W<X.,[@6XNRR;,]FGR-LOLQ2;M:SSTW^4GYUA.SW
M/SILSJ]SN3IK9YQR]OC;O&ND3ERF2*@*!9'.)&*4BH19[XQ(E)MH_[G:55%&
M::4G2ME )"1/;**1<! \6N8I\ZF?M"KK+[O=BW<;F&%P]:;_N#<_:]OSW<7B
M\O)RY\KG:J?)JP6G5"SN1L]OAU\]&7\I^M',6KOHO_TV=%,^-Q"G98N_?C_^
M%,Y@[4A9;UI7A\[ IMS=]!>/F^#:7O/_Z]?LAR.Z3^1N&.DN$<:)8#M7FSC?
M?S.;W<B1FPH^0IIU?__\>/3-I,NYN4QEC;Z5KMH)S7K1#5D<-@C$B5MU#O<3
MM-?GL#??E.OSZMNULPQI;^YP!M)EEC)N.K._?/_QXKL'YQDV"$T?\3%>N)VC
ML_92;^"JA3K"39QW=JHF/!A4=2HW^>Z7E?-0]5>7$<IE/_.!W[39A1:OB(()
M34D1P1'I'1#O92"!,?!"&QW!/ R^<WR#GO=)V4#8635?%S@Q)H?9[@WIWA#*
M;E/RRQ.C-QJ]S/N[_\13'+MD3,40@R<F%$!DH37Q- I2.,&E2"%:Y49P_K[-
MA[[?S_!!#K,F1\BXH-P9=3D\R/93F&]'+,Y=QHE(."NK>/?K;F49(V]M,X)^
M-\E!=^<SC#I!SA"/;W+SP^#ZR%I<9J$?N4W>W]5MV5Y_A%79"5"W?[@U+*VC
MA0!G"(1DB#1<$^ME)-&G@FG*0Q!LA/P_9WL0!WRZ'&RMYR1X.,)-.Y\WN1?^
M$^H/A\U%W>;KPR;"4BEMDBDX25+A+BL+3[QF0&A43"7OJ+=J-#S^UI5!M(BI
MTS*>VI. YWU9P1\7:P]Y2:/'E= *P@-GJ(M6Q.#:2!0KG ;+ E7C+23?[0["
M0DX=BQ?J. D&3MW5442MRE3>5*:W@> .Z)+"4ELSI@G6X DK;\$(2&8C,\JS
M2$<#X@=.#*)#39V.,12>!"H',6(*-K=_L)X'MHP%9: TNBXC!@%X2C,"# G.
M&:Z<B9J)T3!YQH%!B!131V1;9:>$QR&^_9!/F\MZ:< $B!Z3:9(EDF$P1CA)
M=.1&0A$B379L.+Z;'X2&_DG0>*&J4P*CKY<^Y)/<?"WK ,LB)NZ42X3BSDAD
MPEW20V3$::ZIEC$(+<>FXY$/@Q Q/PDBV^@[)4Y.FDWKJO^6YWU1K3W&$(N"
M(/.)2.X\<8"T2P7&!:RGD/BQ*7G@P2!&[$_"R,NU?65"NO7O((/K_18T16.D
M(E1KE,(AXY8)@:<M0:.((4@[!A/W;0[K>M'I8O!B 5\Y\5W#O#HY:^IO)ZR"
MN\ C);9[D<(ZXFQPF#AK*8M%U\(9(?F/[0X#8,)]SZV$?&4(/N>R;:$^;-;K
MB_KV%+59)F6% <#U2B/ T@M*G*<%<4$Q(Z0..HY!PK/&A^$PX?;G]I*^,A.?
MFJH,95O6J]^Q[LFEJY;:*6,=P^PICB%$CUH47! N\"BM35"%\R, \=3R,!HF
MW-[<4LQ71N$D0\<Q8-7;W]GI;A#F#PG]6 ;-#+/.D1B[*(3&(MCK0'0AJ1,^
M:,K'Z&O^V(-A:$RXQ3F2N--"Y&BSN8!\/Q97!,<T-22FP+L[/XY8BVIA0618
M  -8)(T/RA,_AN$RX9[GJ$*_]A8#X0*WR6O&_6G95K!D"1R3P1-07G1W>!A!
MGR/ZGC0M\& MXAC=SL=VAT$QX2[G5D*^,@2GV75/17VZ7ONF6C*KN?;2$&$5
M.IY2@;MBY 1KILBX11W$& ]</# Z+/T3[F2^7,*)+ #OKL*9JU?0/R/ '%>1
M R4\):R15?+$<!8(]XX*E2(#S4=<!.[;'D;"A!N66PLZB4;ENS7D%0+][]Q<
MMF>XW9V[^GHI.104%".VB)9(CG [C0&!"%HX;FCB8QQ'_\:%87A,OE>YO;R3
MH.00)<NN.L+2Y^H_<+U4@9HDO>F.48Q(1)M8HQ)A!2Y\5AMO[7CW.QX9'_:P
MUH3;E]M+^LI,'& U'+N*^'WE5DN(G">@BG!N< _4@'L@<XKHY(05GH.38Q22
M#XP.8V#"'<R72_C*N;][Y/0$<MG$=W7\S;6P]'C2P2 <H4)K(ETAB>_NXQHE
M+ /F-'4P @//&A_&PH3;E]M+.AH3;Q=/1#S&"_MO;K_H7KH']???_ ]02P,$
M%     @ 47H\4@_GEJ )20  %($% !<   !E>#DY+65A<FYI;F=S>64R,#(P
M+FAT;>U]:7/;R+7H]_<K^GGLB?T*I+$3E":NHB5YHGMM29$TF9M/MT"B*2(&
M 0:+9.77OW.Z 2X2-\D B*53&5DBL72??>_?_N_IY<GM/Z_.R"2>>N3JC\]?
MST_(F\['CW]J)Q\_GMZ>DK_=?OM*]*ZLD-O0]B,W=@/?]CY^/+MX0]Y,XGAV
M]/'CP\-#]T'K!N'=Q]OKC_@H_:,7!!'M.K'SYM-O^ G\I+;SZ?_\]G\['7(:
MC)(I]6,R"JD=4X<DD>O?D3\=&GTGG4YZU4DP>PS=NTE,5%E5R)]!^-V]M_GW
ML1M[]%/VG-\^\K]_^\A>\MLP<!X__>:X]\1U_OK&I:8Q'-NV8?5&JCX:&G;/
MZ8T5U1D[EJDXLOF_"BSR(US.[XGB1X_^]<W4]3L3BN\_TM5NSYC%QP^N$T^.
M%%E^]X9=^NFW<>#'\+X0[N>_\L<\?Y@=WL'SAD$<!],C?%;Z21S,\$]X7FP/
M/9I=/PQ"AX:=4>!Y]BRB1]DOQXX;S3S[\<CU/=>G'7;3\3T-8W=D>QW;<^_\
M(WAFNE1#UKIJ^GA88^QDST]WTI79=Q]CY_F7FBEG]Z[]?NO-V[_4^EUYWYL_
MLH6'V14I1A2+;\HA )EH9OM_?:.](6'PP']7WV37SVS' =HZDHG"[F"(<:=W
MQ/;BO[[QZ4,44H_:$?6"N\#VO) ZMF(I=O=?LSMX2#C:XZ*5E5GR[,?Q<W0_
M11']$:=?IZC2>OKLQYP.,[@L[^[)CM39#]S3,7L4?ZI'Q\_?%,S><#K-'@#/
M#,*C7V3VOV/\IC.VIZ[W>/270>C:WE^D"#B]$]'0'?.O(_<_],B$=[&_'E*F
M@)L9#68H86RA&C+YW:,^N8E#2F-D#?PS(E\ ;I%$+OY)%-62E3F_;,:QWEN'
MXUI X6)P<SKX^Z^_*#W]F-P\3H>!]^LOAG5,R*^_:/KQX/KR3_8+0?C\28<@
M5RF_P Z!B,>N;_LC6$1W%$R9=('_OE''M4$H^K$]BOG%IT'HDF^C4]OW \_!
MBVYI^J+WAF)](+IB='1-T58DU!SB'YGT6))6&^79CN\RF"XA801BF8;YP%Q1
MG@"]]Q3HJOR.4X!#1T%HHY(Z2GR0H'C5FT\#!"JYIK,@C",R\/W$]L@%C<FY
M#P"F)!B3M[K<M0BLQ8-[B>T[#-*NGX!V.KG\Q_EI1^G#$Z)9X$?T5<!)*;:#
MY,GD%U^Q"\OTXZ-.*M&* -<S&E611G_]Q5)5\SA;;UDO/EZ%@]Y5F(Y!;+@<
M&^,@1(TO$S .1A. OPV_ 5H=,H&G/$.61)(9L;K]=^21VF$G ,[OX&]=@8E7
M8>+4]1*TR<[LT(=O(W)%0W(SL4-*WI]=W7P@=R%]('% WJI=4V?8BB>4")"_
M'N1783!V01B[GAL_$B:_(J#YJ0VW@VT4>*X#S,&80B(V?A4GH4]04 &UVW>4
MT'\G>.O[Z\NS#^0!+E' 9.V]8X+L^=5V%%$0A'#U(+VZJ_3>">R]#GO7"^$4
MD0<*?&)[44! =KGT'L57S"43!5PP;@EB4#\I#A!!_ ..PEH@03$.A 1X\08D
MW(#1X8[!XL-5)#/4]&06!O>N QB()V&0W$V")&:B"DQ)AT[=$<,&G<Z\X)%2
ML$U'203V. U3K,"5H(^FB;\6+2^TA_X%SW;'CZ6RR>]?SRYNR)?!UZ\W8'AW
M_]DE[__+!MLG? 3+U)2/54MBKO4'@KA4E&/"#:4OF?D)-E X2^TI\O["CAS[
MW[_?Y(CQ'L/>'HP7\,C#$?AAL)I[>HQ^<T?K6FM\JR$Z:LSNXP9XV6+BS:<%
M/,'0_T#0/$_\$1!B,*,(3?\.A'*4>,#_F?H$$J6TPPA/43M3>,6$P,5NX$0$
M! ?<>TI'=#JD(<>=IC#<R5WR)7W".$A"N.G?@%^PO-%,XOK"7UA6*.K?@F8P
M%K:3[>.7(3JWS+)2EPTK-,2LKO9.(N,PF&Y\B])?K (EW=8%/UO0W+K;8-6A
M0;=\#ZY2ZRWVD-J+N(BYZ7)UP_<*#U3F(%Y=.GL![,Y\QS<'UYK:8I_PJID=
MLI ,/GMQ%V)H8?GP';&E&MF#U*ZN<74-:WJY;*BT2,G94MG'/$&%NF3-,%-%
M0OZ9T1&* N^1O8DC#(5]0!0-+THO5_5GER\H!E;!#2"]V[?>;2,5AEMXL)SA
M>1LWP,I3NTK3-S_U8>*.)K"T&:P.='BTPHS\?;CZ^?T;:+)!-+8P+.1CKHL<
M$.5 %LP+C.(P -$)8A$@,@4513-:(_#V5&-/;,^C_AV-$!LVN?."(2BR3.5+
M*)M0_LYEU8,;3S()1%.71X)74=MY!%<G>(@G\"> @9/X;(4!D,( 7XX;(S+P
M(XG'=2(;UL-W< 78==%&XU&%LTMR.PFF0!S_U27?DG V>>R2;,MH/\)BQA[0
M*G)$MDH)/T</#%Z?,!*? +,L&3A@Q8">#A_)/'2$7.3"J@%*N!UWFGA)A'?<
MA?8T,Y$D<F4_@H\]^@[+#&+D$'CK57J1%P 6^1[!_7-Y@'H$^ O=88)71@A_
M(.JYG>32J$O.8=FV_YU] 6"<9O3KANQF'E,9!V!MX18C>TPS2*;V%TA["FK/
M2<(44\ .B0]< BH4PTJP7W<*;V*@;ACQGV?"DQ,/& P^HWU%+=GL8J;VZ\RN
M>%*V4P FUPU(QCBXL\F%S7-4Y#,2X><0.&#"-,0#]9 K )@G]LQ%E^N:WB&]
M?\;T$XTBL%A /P0SEIJZ'(,WP03,5QOH>0H6-'T@_PS"[UTR  ^$OP2UR5)\
M^\G+@=R92F0Y+KX2RGCF[PF%>X9)R G_=[#]_ =4!JX/O.T#QP\?@?U&[&E1
M?07\ND#MFT_/XJDL9'T ,YV P 6-&J.JX&+LF7B:4-L#!8%8XI(JXTS[#A0"
M\=RIB\BU1R,D('#U733J[1'J!Y"&**IM$+6 5Z2J3N![CT@ @&'X!9TOL%I#
MX"SPX[FH'=Q^BYBH'R5A"+? 92@$N.'Y0.=KQ">#-)^"U":.>\?H>0A$AR(3
MEDQ#GW$LRF,?]0_;X&)A4B9XIV!M)*"B5AX\1&/%\X('ZDAHDGB)PYT6,-Y0
M%\-S<"4@ 5)U&3"5XW"%PY8 JP5%'3%FF*6ZY9Z;?YS!H@3H'=@QFKC4<_CF
M)QS.J$G^@T^!QS$.@-U[J/J9LA[C,ECVV*,VT]?U99#UA'F-&XSBN7I%O')7
M<:'>02,[ +K9DI[GMC+@)T%?DQF0G,[F 0\/!1R0Q%>FV8<48>S0,0V9@<5]
M,?1+D2'0]IASZOP)[!5O%:.K+9(ES-3*O#VR\$S)GVDH[ &D)KQ@Y 6@(AXY
M%J,I"$PRS$3O,$"NPMC+PKAVPR@F8/  3< +;M@-<UD]<*:N#QM/HQ/;[)CW
M5U=7'U)K)C6J )9W0([L24"=R+Q=<I)QW-S<FE!OAC!:1(:"(1J"9)QD9B2+
M+*'E;L^5PF+-\.+,U.HR:0.?9;% ]I*)[:0(!/A,@Y RVXDH$A#&$Q ASS+(
M+2Y[JV!EPAP1L"[[[BZD=Z!OV*O9EG-GCB=%$<^-A*=E$HNB!I8.EQ>WV$/0
MC^"R;[REH(QB?R\V5%9!L/QS,D]6S\!C[0S!9_O>L<>PP"/;>[ ?HS?%U9(<
M6#C]N:J#I@%(Z]1!=<$_'<V%QUQF!*D4RUB7>_T\_H6:EP?%T- A8!(PC882
M@[@8^AK!K0!BT'T38%>,!8U!8[GHBJ! Q ?/0[AP__F"$27VE XC2_090G"9
MO#18@7H_B5#H^1BPZ'!5!<J0QBSGQ=RK(5AE!*7,%,#C<'G&;V<.CQO'/-R0
M^J@H#Y!/ 38@ Q:2&N!\#Z8DLP6>.DO-45S,"K^=9(8# \8/) $F<Y\$2A#J
M:8J7D<&* 5@[6+RT' &U+]C\&%HXG.4;;XS/\G04Z@XP/#PT+*)Y*AXCGV2X
M%*)]J\K]E8"QU;66X\6ST UX/IX;'UURRR)9?I2@I\_>@NH1J,8->&H97)^W
MN@7O67ZLV97AL2P6C(]-%X8&][IM*'T)WSRU0X#84\-F8>6#]4#]NQC=+BZ_
M0*F'&'JQ$U!4 >R3PJJYID\C)WS]64@'V1M XP'?QZATGVPG"^8!W/I==64_
M"NR'/VL>\4L7L>UY$0N$8V!K!NOY 1N,T:!Z:VG=.1;P:V[K@&Z=1V/!N@&Q
M0T,FD=C7RX;]:/'=TNNEY0THAM)5ME#J>%P,I9;/'"OI#[7;7T-WT6;">X[4
MT1/ IW"GF(M1] 6=X[5<O2!*BK/?*BL73RDS#"LO&IUTG<^EHP9<OBP=4929
MBK6PT3E1:5USNXR\ *,*K5W@P\X0/N=^&GMKM!"2JF)V]94GZSI[<AHY3;,P
MS-I*<PRP2%7I]MXQ&VUY,]%*F<*3?,JZ1>(3%,QZ=7<##,.UBQ<!\N="1>EU
M>_R>>39O$U26Y=5;2U[EFV$8?&=9@I57M8=U>#$CIYBTJO%@_,-+^=*U+-7T
M+:>'$8GK:88G;OLK^O)9EEI1GJI3\*J>L12O26/!CC230^[ APB9._ 67*^E
M)++K+]:,'#.FE!FNJ:I\L@"CJRUE =_VC7V?M#<@4)',$0J&-/6CET-168H.
MH%X"^\%%6RCC0 ;+?E=>E2$*,/42*-^BP%C>W4M7D^E$?YDN>(4\6R:HV/Z[
M%^SM6;HW3<KN5X'  ;NU8B+>OEB4L,]78&[*\RZRP@B$.>CA>>O>L8:"V7L=
M[FW;Y!ZT <9MX:EC<+:#<,60PY!MN'@HDGJ4^KB9T!W9T62NNEHD(1<J]> "
M<FDIRY4YVG(P[R7\\%0\@56IOWM*HV_5)9_J1<Q+OMCW :\[ "K]#E0++A2/
ML43S#/P\+\S?9J,QI"V)C54GAR5/TEAL9'MT[K2P$ X#R4)4,YX8NTX"-C1F
MS#"3P+,K2UD])F991 B>&2Z"+NSF1?R6Q:_'GAVO-W!2E7$.[FG(',P03 ^,
M="V,%K2\--F$>X(D8@)^G=)9A^05*TP'/WEAA:6O68#S"?+@\C4B;AEI9 E?
MEPP$BV*S]/T+&;#I+5A5\L1;CC#FAO&LY\(F0V*&P+'[@Z41YH6M'!7+#FWP
MX&-*:0EORXM*H93&ZX)5.4:B!WM&;+!^Z32MEG%89H0_E'CN&+>8(JZ=@NV,
MJ^9*2+97&"T+6F!,]L3&TUED"2593UX2E"LRSNRM6F(+Q>N!?L5EX>6!C^E#
MH%A_S7K!0@*"1BV;DAC(H3'Z+3.LZ4ECN$M5P[R*B[$QFI6ZVE565X#!EVV
MX:6?RR6?6PLH5X(RBW>E43+]N7&RS21I#9=<8:E4E&F^5,7<VC]H=#!FN9VD
M%5SS9:42,,9E+=J@N"FO+,ST59+O/]'J"Y*GXW&:=5\\.#4)YP_GD7@0^TPQ
M@JFOO4L_ZSZMF\R?6EJ3251;GDE\<<,FVA#D[[RDLG &75^E1 X0>N;[3DM)
ME^JJ>>'K<F$UQ<)/UE/ *L4>TM*.5*FE);*L$&=ACF$5)Y!8,!Z#F8U1&I9>
M\ *L+=CJO.([06N%F-WD=2+8(HM=M)@81:6%+(6EVYB:2*NXTWJ+),;B%-3Z
M$I<Q<E?&4,VS6F=Y+Q]ZX[(3,">9B<%E9OHFX]V.)6$F"JLO ,.LN *?Q>0A
M(TJFN)\#$\,FYI+8W9 ,0+ MV_QR5^$V/]?R::05G_A\'9M\L=HJ[ T$CU4_
M?P&"PIPQ<[@0H<L(9MI/70H';H/VDXIZRMH%M'>+E-@*[M>0H-5_MQ((3QVJ
M@8?>WMWD2;'WO)B ,ZB4)A%77=W%UM+"[HA]C U!(=82L<?,79ZU55==\N>$
M^D]8\ G;K7)]&K9<??\*:'GY'M[,*)W!63=,IO]7 , JN=*:1R>8L77B(GFQ
M%',Y1OCA"0?-5XZV]R=G)U\_8%UDD/AQ6LOG.W;HI/5B:2<:X;A3VN.O?77_
MG;A.R_3:9I9EE,7ZY7K'$3CQ*7!(9MDQPN3\M8B(SY-B*\',S9(A+5O4-&N1
M)Y]3=58/$*65KQB9Z "GS4ULVW%"7K?T"&Q+,X*_#]!*94T?J>"9VH_$9D8W
M7]@8%3-JWJ<9PZTY,[Z>.U;ABF-_8HR_,$6+@&7,DXHAMBN,K P]-YJDU4SV
MO>UZ+%B7%2<BNWZA#@OC_ W] )81817J\*RLK)W=G%UV33& 1ME%:1:/Y=T4
M<*^'&?Q2H8 5GA.42(L"R 4:06"P,.&BFGF^ON504@(.,5RR9H]9F3"LC'Q)
M_+10>)[OXP')%L6QT]Z%PWFM+%X9X3R(2>#!LJ*4>;/.OFP\Q+RODS5L:OHB
M58U\NC"!GO>@+L?!>79/9J$?>P@J:QY+FNOGC*M2@OP+YN/O$N"; -3+*&WU
M>-:JN&)2;^7'[*E80 .+/^/;O'7!+%46K21S):IH7:W/G6@.JVLW^M[YS (V
M:ZXVNKJ55@(]62N (N4P)/@ RY3 =HB2802LA:J3EX4ORID Z-&B#1Y8C?X8
MT51=IQUF+.J:O@=%"OM8.5Z&6*:G6\53$6_QN(F#T7=RZC+GRCE<:.C2?T*-
MBK%"C:S3(LNVV%S9..FJ&0O)7=5$'N.,FI'7\E5(?&#KX=0*5MMD<VMU]2(6
M\@0'D[_4W9PVQ0 2FJBV@YBESMPO@U=$#*CS9RXO'=CIAH))N=BHFFZT/<1W
M[CNP'F \G"-RYS,5>C#"^XQB)A,\(/.RCJ*YU&&M0YL[WIC4"V$_*"UG:# Q
MMEK?F_?L8FFELAS5"UR8T' ^D$+"R&V7&)V;&#S]FX1ID9 _C>>Z"I5:Y0<.
MF6Y5C_?XIS7\,ACB')?4;3A4B>"6.2FLPF::>+';8=E))..TQI8Q!(XH364G
MS\2NSD=,K7&)9[#33O5%,P%OC6;^/@AA,)FPTV^I-14%?<9Z;I3V881INJLH
MONVF&>=E*9%5N9(+7"A<F?@HY,[]>W!86 /@P+EW89-1RM3XU#]F/$T\ .]G
M!.+@Z]>3]BB"B\#O_#X87"W1U;>L.1-U@X^]F_9!U<-2=PWO/V5A-EYBP&8R
MQ&G6$U;+0E%QVNVW% >:@>,^<F<>[(J7>'CH%(Y&E(664AOC#Y^UU=[$+%N%
M"FD*:Q[9Y#U"Z -&ME@Q_ .:]&PT*U,=+!BW8);E13D4.&7*;/\A=KW&$QRM
MPRL4F/7#0/_>3Y'P@;/2HIEEWB>;1-DRW?G+LP  Z]ME;@+L*<'@P'_X^Y;7
M!#07)VE;*^LS\H.8]QIAKHU9[QXSWNF4@01N1Y#<H(.<EKT JYS]&,&J[QBW
M3]V(Y1#?LXD(-V<G[%\^7@5C$AA<9B^E?/YHMLFE967;X^,K$&<I)J:\QS9K
MZH*'HX.5>!C$..$13++E>9D8X%-)P;6X8ZU;W%>4EH:_//LJMG]T\/=[VV/#
M,YAE.<WF:&0A4_]YL>GS6]-I7A1;^EV4+%ET_YOMVW>LG 00X.&X-A29-A\3
MMFU78,2R;M8Y=C*QR8N!L @9@[GX+]($T,PX\5CQ)*PIX54Y2[<!2)>GFO %
MVVGP8YF*HTF0>%B3P!,&#DT;=[')U&,;821&?!O@RA^$U,7BQ2B=4RI@=5(H
MKU,#*@T\9T!=ST'SD!CVF8[0M>=-QR[6ZJ/MCL#J\E]1EHFTK];RM.^&L70;
M> HEE>..Q]CBB5P4N?!*,//G%RRR.L!T7')SHXJ-G;FA-"7B957)S!Y\(<[5
MR!AZ23CQ"L2T89R+3^KQ^.[?N9'FH=$RYX*:#YUYJ4UR8X\I^9L=#D%(,&6,
M(N:@%3/+$BE5^4OZ>,4B2%4?4U%1MOA4P*-41LD(-\4!6A;+8G.8L))#)#"\
M;LAB=]@>/%<7\X0%4QMC[!"(HF0Z2]4ZSQ%DLRLHCE^:5V+/PN!?G-XBC&BF
M,RG'";Z9&1T175XM;F*8ZFW8^8,=.ATO"+YGXS'X9=O4]DU*W:IR-M?B"UMB
M;D<,>.>VTM=T5F%@3UD5&D;I[P./N2+8.8#UEWC=<OZ2I1WB&*['\9NA&WV?
MU]B/TJ N3C+8O'P)BWIQ*#>  U7X:H_XDF! ,"(E>:FF?<B4]1+$9I@XP,V$
M^$8**X@91CQ0_FR<2HCRPYWB!YRG5[PF1OVQ_1T6X0<D& )7VIG!&U)T6? )
MR0RG^J3#J39OC-_$YWGA,H,13X2,4A@"O&!5,Z9UL00XCM(^C0LDY.N4D!=:
M']2$D]K7_P(,\ 195K>0[F!.F^F@<S[W'.GW"W .4>3.?^_?+"$M%?*.78\U
MQ\]?N-LD+;%@092:,2FI;[8YG+T/1-'?_+R=PD84YV*DK "Q$L&Z]9GUP?7U
MY9_DR_G%X.+D?/"5G%Q>7UU>#V[/+R_(X.*4W/SQ^>;\]'QP?7YV4\T=G%Q>
MW%Q^/3\=W)[!<F_AGV]G%[<WY/(+.;\XN?QV=NAEKZ?Y]Z!L;M-V#- E((?H
M+%Z:6S^88O A(AWRAV\G#H86/KQX)]L);]<!/\?K'EO$D3^Z,3]<Y\5'_JB:
MM?_!/"_Z4K<*.DM(%PMNP8(W' *E'NB H%L</\J"[M<!^ 2OE5TRS_"@N;5R
M.,_RAOK[;(@+E,+./-IO([?8QD*^P743\"K0I-RXJ>=8RH[GJO/^'ZAWOP4
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M.;-#'];XK$YN7T56[=Q0U=,_<G?'&/J#90P%X@M&?.5&* C$EU)UVJU<W[1
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MD%6E:U3J-(,: U*NE&U?6T#*@B+S N2.$5("D/O-K>MW=Q1CU4;5EP:SWX/
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MND&ZEX7Q&U@@TQK&!P2J3:QP:A,"Y>TNE4!@M1&H=HL=9"406#@"=P3"ZXG
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M2P$"% ,4    " !1>CQ2GL6TVY$"  "*"0  $0              @ &^$P
M87)O=RTR,#(Q,#$R."YX<V102P$"% ,4    " !1>CQ2N@;Q<H<!  #6 @
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M,#(Q,#$R.%]P<F4N>&UL4$L! A0#%     @ 47H\4@_GEJ )20  %($% !<
M             ( ![BL  &5X.3DM96%R;FEN9W-Y93(P,C N:'1M4$L%!@
0   '  < SP$  "QU      $!

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