<SEC-DOCUMENT>0000739421-24-000080.txt : 20240730
<SEC-HEADER>0000739421-24-000080.hdr.sgml : 20240730
<ACCEPTANCE-DATETIME>20240730161053
ACCESSION NUMBER:		0000739421-24-000080
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20240630
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240730
DATE AS OF CHANGE:		20240730

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000739421
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				232265045
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-41410
		FILM NUMBER:		241157470

	BUSINESS ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
		BUSINESS PHONE:		570-662-0444

	MAIL ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>secondqtrearnings2024.htm
<DESCRIPTION>SECOND QUARTER 2024 EARNINGS
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        <div style="text-align: center; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

        <div style="text-align: center; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

        <div style="text-align: center; font-size: 12pt; font-weight: bold;">Washington, D.C. 20549</div>

        <div style="padding-bottom: 6pt;"> <br/>
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        <div style="text-align: center; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_879c0f0fc4fb451a8cf234084e6b0c04" contextRef="c20240630to20240630">8-K</ix:nonNumeric></div>

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        <div style="text-align: center; font-size: 10pt; font-weight: bold;">CURRENT REPORT</div>

        <div style="text-align: center; font-size: 10pt;">PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>

        <div style="font-size: 10pt;"> <br/>
        </div>

        <div style="text-align: center; font-size: 10pt; font-weight: bold;">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_227ca75662074707bf7c0de7fe57e653" contextRef="c20240630to20240630" format="ixt:date-monthname-day-year-en">June 30, 2024</ix:nonNumeric></div>

        <div style="font-size: 12pt;"> <br/>
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        <div style="text-align: center; font-size: 24pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_a7da727c77814f9ba1761d20fdf16300" contextRef="c20240630to20240630">CITIZENS FINANCIAL SERVICES INC</ix:nonNumeric><br/>
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        <div style="font-size: 10pt; text-align: center;">(Exact name of registrant as specified in its charter) </div>

        <div style="font-size: 10pt; padding-bottom: 12pt;"> <br/>
        </div>

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    <td style="width: 5%; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt;">
                <div style="text-align: left; ">&#160;</div>
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                <div style="text-align: left; ">&#160;</div>
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                <div style="text-align: center; font-weight: bold;"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="Fact_a7fa1e940f1b408b97432f0ce7b8fbe7" contextRef="c20240630to20240630">23-2265045</ix:nonNumeric><br/>
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    <td style="width: 30%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; ">(State or other jurisdiction <br/>
                  of incorporation)</div>
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                <div style="text-align: left; ">&#160;</div>
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                <div style="text-align: center; ">(Commission <br/>
                  File Number)</div>
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                <div style="text-align: center; ">(IRS Employer <br/>
                  Identification No.)</div>
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                <div><ix:nonNumeric name="dei:EntityAddressPostalZipCode" id="Fact_f92a03584d63475786790163e800466b" contextRef="c20240630to20240630">16933</ix:nonNumeric><br/>
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    <td style="width: 47%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; ">(Address of principal executive offices)</div>
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                <div style="text-align: left; ">&#160;</div>
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                <div style="text-align: center; ">(Zip code)</div>
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        <div style="text-align: center; font-size: 10pt;">Registrant's telephone number, including area code (<ix:nonNumeric name="dei:CityAreaCode" id="Fact_726443d75657480fac82fe8c0a5bba71" contextRef="c20240630to20240630">570</ix:nonNumeric>) <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_66699c21fdc14a8b8f81dcc6e876764d" contextRef="c20240630to20240630">662-0444</ix:nonNumeric></div>

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        <div style="text-align: center; font-size: 10pt;">Not Applicable</div>

        <div style="text-align: center; font-size: 10pt;">(Former Name or Former Address, if Changed Since Last Report)</div>

        <div style="font-size: 10pt;"> <br/>
        </div>

        <div style="text-align: center; font-size: 10pt;"><span style="text-decoration: underline;">Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:</span></div>

        <div style="text-align: center; font-size: 10pt;"> <br/>
        </div>

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  <tr>

    <td style="width: 33.33%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; "><span style="text-decoration: underline;">Title of each class</span></div>
              </td>

    <td style="width: 33.33%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; "><span style="text-decoration: underline;">Trading Symbol(s)</span></div>
              </td>

    <td style="width: 33.33%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; "><span style="text-decoration: underline;">Name of each exchange on which registered</span></div>
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  </tr>

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    <td style="width: 33.33%; vertical-align: bottom; font-size: 10pt; text-align: center;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_575b46ae4eff42cf9f787cfecbe6dc35" contextRef="c20240630to20240630">Common Stock, Par Value $1.00 Per Share</ix:nonNumeric><br/>
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    <td style="width: 33.33%; vertical-align: bottom; font-size: 10pt; text-align: center;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_8a66f99db1f74f139335c8ad16638618" contextRef="c20240630to20240630">CZFS</ix:nonNumeric><br/>
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    <td style="width: 33.33%; vertical-align: bottom; font-size: 10pt; text-align: center;"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_e9997f83def542d89930724f485eee6d" contextRef="c20240630to20240630">NASDAQ</ix:nonNumeric> Capital Market<br/>
              </td>

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        <div style="margin-top: 6pt; margin-bottom: 6pt; font-size: 10pt;"><br/>
        </div>

        <div style="text-align: left; margin-top: 6pt; margin-bottom: 6pt; font-size: 10pt;"> Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following
          provisions (see General Instruction A.2. below): </div>

        <div style="text-align: left; margin-bottom: 7.1pt; font-size: 10pt;"><ix:nonNumeric name="dei:WrittenCommunications" id="Fact_54c1262d02f9476da8d9cba26573a827" contextRef="c20240630to20240630" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric> Written communications pursuant to Rule 425 under the Securities
          Act (17 CFR 230.425)</div>

        <div style="text-align: left; margin-bottom: 6.95pt; font-size: 10pt;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_19378a00edf34eccb9496b35aa8920f8" contextRef="c20240630to20240630" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric> Soliciting material pursuant to Rule 14a-12 under the Exchange
          Act (17 CFR 240.14a-12)</div>

        <div style="text-align: left; margin-bottom: 6.95pt; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_02ea1eb7a4bd4d858500d897066701ea" contextRef="c20240630to20240630" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric> Pre-commencement communications pursuant to Rule 14d-2(b) under
          the Exchange Act (17 CFR 240.14d-2(b))</div>

        <div style="text-align: left; margin-bottom: 2.05pt; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_14e712f2409a489a94a0536dd1d83af1" contextRef="c20240630to20240630" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric> Pre-commencement communications pursuant to Rule 13e-4(c) under
          the Exchange Act (17 CFR 240.13e-4(c))</div>

        <div style="margin-bottom: 2.05pt; font-size: 10pt;"> <br/>
        </div>

        <div style="text-align: left; font-size: 10pt;">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):</div>

        <div><br/>
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        <div style="text-align: left; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_b179ce0b3f0a4c88b16266e383ed10ad" contextRef="c20240630to20240630" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div>

        <div><br/>
        </div>

        <div style="text-align: left; font-size: 10pt;">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. &#9744;</div>

        <div style="margin-top: 6pt;">
          <hr style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;"/> </div>

      </div>

    </div>

    <div> <br/>
    </div>

  </div>

  <div>
    <div style="text-align: left; margin-bottom: 12pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 2.02.</span><span style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">
      </span><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Results of Operations and Financial Condition.</span></div>

    <div style="text-align: left; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Randall E. Black, Chief Executive Officer, recently announced the unaudited consolidated financial results for Citizens Financial
      Services, Inc. and susbisidaries for the second quarter 2024.</div>

    <div style="text-align: left; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">On July 30, 2024, Citizens Financial Services, Inc. issued a press release titled &#8220;Citizens Financial Services, Inc. Reports Unaudited
      Second Quarter 2024 Financial Results&#8221;, attached as Exhibit 99.1 to the Current Report on Form 8-K and incorporated herein by reference.&#160; The information furnished under Item 2.02 of the Current Report on an 8-K shall not be deemed &#8220;filed&#8221; for any
      purpose.</div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item&#160;9.01.&#160;</span>&#160;&#160;&#160;&#160;&#160;<span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Financial Statements and Exhibits.</span></div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#65279;</div>

    <div style="text-align: left; margin-bottom: 7pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(d)&#160; Exhibits</div>

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  <tr>

    <td style="width: 14.02%; vertical-align: bottom;">
            <div style="text-align: left; font-family: Tahoma, sans-serif; font-size: 1pt;">&#65279;</div>
          </td>

    <td style="width: 1.16%; vertical-align: bottom;">
            <div style="text-align: left; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
          </td>

    <td style="width: 80.53%; vertical-align: bottom;">
            <div style="text-align: left; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
          </td>

    <td style="width: 4.29%; vertical-align: bottom;">
            <div style="text-align: left; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
          </td>

  </tr>

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    <td style="width: 14.02%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: left; margin-right: 2pt; margin-left: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Exhibit No.</div>
          </td>

    <td style="width: 1.16%; vertical-align: bottom;">
            <div style="text-align: left; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
          </td>

    <td style="width: 80.53%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: left; margin-right: 3pt; margin-left: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Description of Exhibit</div>
          </td>

    <td style="width: 4.29%; vertical-align: bottom;">
            <div style="text-align: left; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
          </td>

  </tr>

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    <td style="width: 14.02%; vertical-align: top;">
            <div style="text-align: left; margin-right: 2pt; margin-left: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#65279;</span>99.1</div>
          </td>

    <td style="width: 1.16%; vertical-align: middle;">
            <div style="text-align: left; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
          </td>

    <td style="width: 80.53%; vertical-align: middle;">
            <div style="text-align: left; margin-right: 2pt; margin-left: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Press release issued by Citizens Financial Services, Inc. on July 30, 2024, titled &#8220;Citizens Financial Services,
              Inc. Reports Unaudited Second Quarter 2024 Financial Results&#8221;.</div>
          </td>

    <td style="width: 4.29%; vertical-align: bottom;">&#160;</td>

  </tr>

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    <td style="width: 14.02%; vertical-align: top;">
            <div style="text-align: left; margin-right: 2pt; margin-left: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">104</div>
          </td>

    <td style="width: 1.16%; vertical-align: middle;">&#160;</td>

    <td style="width: 80.53%; vertical-align: middle;">
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    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#65279;</div>

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        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"/></div>

    </div>

    <div style="text-align: center; margin-top: 4.2pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">SIGNATURES</div>

    <div style="margin-top: 0.05pt; margin-bottom: 6pt;"><br/>
    </div>

    <div style="text-align: left; text-indent: 36pt; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">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.</div>

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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Date: July 30, 2024<br/>
            </div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">By:</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">/s/ Stephen J. Guillaume</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Stephen J. Guillaume</div>
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Chief Financial Officer</div>
            <div>&#160;</div>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>secondqtrpressrelease2024.htm
<DESCRIPTION>SECOND QUARTER 2024 PRESS RELEASE
<TEXT>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-variant: small-caps;">Contact:&#160; LEEANN GEPHART </font>CHIEF CONSUMER
              BANKING OFFICER</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps;">First Citizens Community Bank</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">570-545-6005</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps;">15 S. Main Street</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps;">570-662-8512 (fax)</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps;">Mansfield, PA 16933</div>
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    <br>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 14pt; font-variant: small-caps; font-weight: bold;">citizens financial services, inc. reports unaudited second quarter 2024 financial results</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">MANSFIELD, PENNSYLVANIA&#8212; July 30, 2024 &#8211; Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its
      unaudited consolidated financial results for the three and six months ended June 30, 2024.</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Highlights</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The acquisition of <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">HV Bancorp, Inc. (&#8220;HVB,&#8221;)</font>&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">completed one year ago, has bolstered the Company&#8217;s balance sheet growth and expanded its geographic reach into demographically attractive markets. The acquisition has
                  resulted in positive increases to non-interest income driven by gains on loans sold and the gain on the sale of certain assets acquired through HVB&#8217;s online lending platform known as Braavo. The Company executed the sale of HVB&#8217;s Braavo
                  division during the first quarter of 2024 and has been exiting the remaining lending relationships not included in the sale.&#160; The Company has experienced a modest increase in charge-offs on loans that were originated and sourced by HVB&#8217;s
                  Braavo division as it exits this business line.</font></div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net income for the first six months of 2024 was $12.3 million, which was $9.6 million, or 351.7% more&#160; than 2023&#8217;s net income through June 30, 2023
                due to the one-time merger and acquisition costs and the provision for credit losses on non-purchase credit deteriorated loans (the &#8220;NPC Provision&#8221;) recorded in the second quarter of 2023. The effective tax rate for the first six months of
                2024 was 17.4% compared to 13.4% in the comparable period in 2023.</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net income was $5.3 million for the three months ended June 30, 2024, which was $9.4 million more than the net loss for 2023&#8217;s comparable period due
                to the one-time merger and acquisition costs and the NPC Provision recorded in the second quarter of 2023. The effective tax rate for the three months ended June 30, 2024 was 17.4% compared to 22.3% in the comparable period in 2023.</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net interest income before the provision for credit losses was $42.3 million for the six months ended June 30, 2024, an increase of $6.3 million, or
                17.4%, over the same period a year ago.</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The provision for credit losses for the three and six months ended June 30, 2024 was $2.0 million and $2.8 million, respectively. The provision was
                significantly impacted by loans that were not sold as part of the Braavo sale that occurred in the first quarter of 2024. The vast majority of the Braavo loans that were retained after the sale were originated by HVB subsequent to the
                Company&#8217;s initial loan due diligence procedures and were current from then until the acquisition close. The provision for the three and six months ended June 30, 2024, directly attributable to these loans was $1,137,000 and $1,806,000,
                respectively. As of June 30, 2024, the Company has approximately $700,000 of Braavo loans that are performing.</div>
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    <div>
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              <div style="text-align: left; font-family: Symbol, serif; font-size: 10pt;">&#8226;</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Return on average equity for the three and six months (annualized) ended June 30, 2024 was 6.73% and 7.91% compared to (6.62%) and 2.22% for the
                three and six months (annualized) ended June 30, 2023. If the provision for the credit losses attributable to the Braavo loans and the gain on the sale of Braavo are excluded, the return on average equity for the three and six months
                (annualized) ended June 30, 2024 would have been 7.88% and 8.37%, respectively (1).</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Return on average tangible equity for the three and six months (annualized) ended June 30, 2024 was 10.76% and 12.64% compared to (9.19%) and 3.06%
                for the three and six months (annualized) ended June 30, 2023. If the provision for the credit losses attributable to the Braavo loans and the gain on the sale of Braavo are excluded, the return on average tangible equity for the three and
                six months (annualized) ended June 30, 2024 would have been 12.59% and 13.37%. (1)</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Return on average assets for the three and six months (annualized) ended June 30, 2024 was 0.71% and 0.82% compared to (0.68%) and 0.23% for the
                three and six months (annualized) ended June 30, 2023. If the provision for the credit losses attributable to the Braavo loans and the gain on the sale of Braavo are excluded, the return on average assets for the three and six months
                (annualized) ended June 30, 2024 would have been 0.83% and 0.87% (1).</div>
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    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Six Months Ended June 30, 2024 Compared to 2023</div>
    <div><br>
    </div>
    <div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">For the six months ended June 30, 2024, net income totaled $12,299,000 which compares to net income of $2,723,000 for the first six months of 2023,
                an increase of $9,576,000. Basic earnings per share of $2.59 for the first six months of 2024 compared to $0.66 for the first six months last year.&#160; Annualized return on equity for the six months ended June 30, 2024 and 2023 was 7.91% and
                2.22%, while annualized return on assets was 0.82% and 0.23%, respectively. The increase in performance when comparing 2024 to 2023 was due to the one time costs associated with the merger and the NPC Provision recorded in 2023.</div>
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    <div><br>
    </div>
    <div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net interest income before the provision for credit loss for the six months ended June 30, 2024 totaled $42,258,000 compared to $36,001,000 for the
                six months ended June 30, 2023, resulting in an increase of $6,257,000, or 17.4%.&#160; Average interest earning assets increased $500.7 million for the six months ended June 30, 2024 compared to the same period last year, primarily due to the
                HVB acquisition. Average loans increased $525.0 million while average investment securities decreased $35.9 million. The yield on interest earning assets increased 88 basis points to 5.52%, while the cost of interest-bearing liabilities
                increased 116 basis points to 2.99% due to the rise in market interest rates and competitive pressure. The tax effected net interest margin for the six months ended June 30, 2024 was 3.09% compared to 3.23% for the same period last year.</div>
            </td>
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    <div><br>
    </div>
    <div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The provision for credit losses for the six months ended June 30, 2024 was $2,787,000 compared to $4,853,000 for the six months ended June 30, 2023,
                a decrease of $2,066,000.&#160; The provision for 2024 was impacted by the Braavo loans as previously mentioned and an increase in past due and classified loans during the second quarter of 2024. As a result of the HVB acquisition during 2023,
                the Company recorded a $4.6 million provision for credit losses for loans acquired that did not have any credit deterioration at the time of purchase. Excluding the impact of the acquisition from 2023, the provision would have increased
                $2,525,000 when comparing the six month period of 2024 to 2023 with the increase being attributable to the Braavo loans and the increase in past due and substandard loans in 2024.</div>
            </td>
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    <div><br>
    </div>
    <div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-interest income was $8,307,000 for the six months ended June 30, 2024, which is $3,853,000 more than the non-interest income of $4,454,000
                for the same period last year. The primary drivers were the gain on the sale of assets associated with Braavo and activity due to the HVB acquisition. As a result of the acquisition, service charges, gains on loans sold, earnings on bank
                owned life insurance and other income all increased.&#160; Earnings on bank owned life insurance also increased due to the passing of a former employee in the first quarter of 2024. During the first half of 2024, the Company experienced a
                smaller unrealized loss on its equity investment portfolio compared to 2023.</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-interest expenses for the six months ended June 30, 2024 totaled $32,889,000 compared to $32,458,000 for the same period last year, which
                is an increase of $431,000. Salary and benefit costs increased $4,314,000 due to an additional 74.2 FTEs as a result of the acquisition, merit increases for 2024, as well as an increase in health insurance costs of $712,000. The increases
                in occupancy, furniture and fixtures, software expenses and amortization expenses was due to the acquisition and additional branches as part of it. FDIC insurance expense increased $409,000 due to the Company&#8217;s increased size and the Bank&#8217;s
                lower leverage capital ratio. Professional fees increased due to increased legal expenses, of which $201,000 was related to the sale of certain Braavo assets. Other expenses increased primarily due to the acquisition, with increases
                experienced in subscriptions, marketing and advertising, postage, printing, data communication expenses and FHLB letter of credit fees. Independent of the acquisition, other expenses increased due to insurance reimbursement received in 2023
                to cover amounts previously charged-off through expense. Merger and acquisitions costs for the merger with HVB totaled $8,646,000 in 2023 and included professional and consulting fees, printing, travel, contract termination payments and
                severance-related expenses.</div>
            </td>
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      </table>
    </div>
    <div><br>
    </div>
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              <div style="text-align: left; font-family: Symbol, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The provision for income taxes increased $2,169,000 when comparing the six months ended June 30, 2024 to the same period in 2023 as a result of an
                increase in income before income tax of $11,745,000.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Three Months Ended June 30, 2024 Compared to June 30, 2023</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4b9228f832c549f9b240de0785643569">

          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">For the three months ended June 30, 2024, net income totaled $5,275,000 which compares to net loss of $4,144,000 for the comparable period of 2023,
                an increase of $9,419,000.&#160; Basic&#160; earnings (loss) per share of $1.11 for the three months ended June 30, 2024 compares to ($1.00) for the 2023 comparable period. Annualized return on equity for the three months ended June 30, 2024 and 2023
                was 6.73% and (6.62%), while annualized return on assets was 0.71% and (0.68%), respectively.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8779db0562144334b16bd3add58c4af1">

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            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: Symbol, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net interest income before the provision for credit loss for the three months ended June 30, 2024 totaled $21,300,000 compared to $17,921,000 for
                the three months ended June 30, 2023, resulting in an increase of $3,379,000, or 18.9%. Average interest earning assets increased $444.8 million for the three months ended June 30, 2024 compared to the same period last year as a result of
                the HVB acquisition.&#160; Average loans increased $488.1 million while average investment securities decreased $41.3 million. The average cost on interest bearing liabilities increased 100 basis points to 3.00%.&#160; The tax effected net interest
                margin for the three months ended June 30, 2024 was 3.15% compared to 3.17% for the same period last year.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z255e24de3aa148cd862af752513fad74">

          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The provision for credit losses for the three months ended June 30, 2024 was $2,002,000 compared to $4,853,000 for the three months ended June 30,
                2023, a decrease of $2,851,000.&#160; The provision for 2024 was impacted by the Braavo loans as previously mentioned and an increase in past due and classified loans during the second quarter of 2024. As a result of the HVB acquisition during
                2023, the Company recorded a $4.6 million provision for credit losses for loans acquired that did not have any credit deterioration at the time of purchase. Excluding the impact of the acquisition from 2023, the provision would have
                increased $1,740,000 when comparing the second quarter of 2024 to the second quarter of 2023 with the increase being attributable to the Braavo loans and the increase in past due and substandard loans in 2024.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb39ae894e9f142d5b4f9e0ec670fa7f6">

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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-interest income was $3,336,000 for the three months ended June 30, 2024, which is $1,056,000 more than the comparable period last year.&#160;
                As a result of the acquisition, service charges, gains on loans sold, earnings on bank owned life insurance and other income all increased.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7b399bf67f134f3db07c3cc825c3e13a">

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              <div style="text-align: left; font-family: Symbol, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-interest expenses for the three months ended June 30, 2024 totaled $16,246,000 compared to $20,680,000 for the same period last year,
                which is a decrease of $4,434,000. Salary and benefit costs increased $1,701,000 due to an additional 67.5 FTEs as a result of the acquisition and merit increases for 2024. The increases in occupancy, furniture and fixtures, software
                expenses and amortization expenses was due to the acquisition and additional branches as part of it. FDIC insurance expense increased $184,000 due to the Company&#8217;s increased size and the Bank&#8217;s lower leverage capital ratio. Other expenses
                increased primarily due to the acquisition, with increases experienced in subscriptions, marketing and advertising, postage, printing, data communication expenses and FHLB letter of credit fees. Merger and acquisitions costs for the merger
                with HVB totaled $8,402,000 in the second quarter of 2023.</div>
            </td>
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      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4ce17a1d124142e2959e4352b32f056e">

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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The provision for income taxes increased $2,301,000 when comparing the three months ended June 30, 2024 to the same period in 2023 as a result of an
                increase in income before income tax of $11,720,000.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Balance Sheet and Other Information:</div>
    <div>
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              <div style="text-align: left; margin-top: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; margin-top: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">At June 30, 2024, total assets were $2.95 billion, compared to $2.98 billion at December 31, 2023 and $2.89 billion at June 30,
                2023. The loan to deposit ratio as of June 30, 2024 was 99.24% compared to 96.87% as of December 31, 2023 and 95.44% as of June 30, 2023.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
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            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: Symbol, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Available for sale securities of $402.7 million at June 30, 2024 decreased $14.9 million from December 31, 2023 and $31.7 million from June 30,
                2023. The yield on the investment portfolio increased from 2.14% to 2.32% on a tax equivalent basis due to securities purchased during a higher rate environment and lower yielding securities maturing. Investment activity has been limited in
                the first half of 2024.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze0400494c1e1444584434429aeaffb51">

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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net loans as of June 30, 2024 totaled $2.23 billion an increase of $5.2 million from December 31, 2023, due to an increase in student loans
                outstanding. Loans would have increased an additional $6.1 million, if not for the Braavo disposition. In comparison to June 30, 2023, loans have grown $91.7 million with increases experienced in multiple portfolio sectors.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The allowance for credit losses - loans totaled $22,797,000 at June 30, 2024 which is an increase of $1,199,000 from December 31, 2023. The increase
                is due to change in expected prepayment speeds, an increase in past due and substandard loans and specific reserves on non-performing loans. The provision for credit losses on loans was $2,986,000 for the first half of 2024. Loan recoveries
                and charge-offs were $14,000 and $1,356,000, respectively, for the six months ended June 30, 2024 with the majority of the charge-offs associated with loans acquired as part of the HVB acquisition that were originated after the Company
                performed its initial loan due diligence procedures and which were current from then until the acquisition close. The allowance as a percent of total loans was 1.01% as of June 30, 2024 and 0.94% as of December 31, 2023.</div>
            </td>
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      </table>
    </div>
    <div><br>
    </div>
    <div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Non-performing assets totaled $17.9 million as of June 30, 2024, an increase of $4.3 million since December 31, 2023. The increase was driven by the
                Braavo relationships and one large commercial relationship, which was placed on non-accrual status during the second quarter of 2024. Loans past due 30-89 days totaled $20.7 million, an increase of&#160; $10.2 million from December 31, 2023. The
                increase was driven by loans acquired as part of the HVB acquisition that matured during the second quarter and are in the process of being underwritten and extended in accordance with Company policies.</div>
            </td>
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      </table>
    </div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Deposits decreased $48.4 million from December 31, 2023, to $2.27 billion at June 30, 2024. With the rise in interest rates, competitive pressure
                for deposits continues to be at the forefront. Additionally, we have numerous state and political organizations with seasonal funding timelines, which results in a decrease in balances in the first half of the year. <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">At June 30, 2024, the Bank estimates that balances held by customers </font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">in excess of the FDIC insurance
                  limit ($250,000 per insured account) totaled $1.04 billion, or 45.7% of the Bank&#8217;s total deposits. Included in this balance are balances held through Intrafi, which provides customers with&#160; additional FDIC insurance, as well as deposits
                  collateralized by securities (almost exclusively municipal deposits). The total of these items was $498.0 million, or 21.9% of the Bank&#8217;s total deposits, as of June 30, 2024.</font></div>
            </td>
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      </table>
    </div>
    <div><br>
    </div>
    <div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Stockholders&#8217; equity totaled $286.5 million at June 30, 2024, compared to $279.7 million at December 31, 2023, an increase of $6.8 million.
                Excluding accumulated other comprehensive loss (AOCI), stockholders equity increased $7.8 million and totals $312.4 million. The increase in stockholders equity, excluding AOCI, was attributable to net income for the six months ended June
                30, 2024 totaling $12.3 million, offset by cash dividends for the half of 2024 totaling $4.6 million, net treasury and restricted stock activity of $165,000. As a result of changes in market interest rates impacting the fair value of
                investment securities and swaps, AOCI decreased $1.0 million from December 31, 2023.</div>
            </td>
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      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Dividend Declared</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">On June 4, 2024, the Board of Directors declared a cash dividend of $0.49 per share, which was paid on June 28, 2024 to shareholders of record at the close of
      business on June 14, 2024. The quarterly cash dividend is an increase of 2.1% over the regular cash dividend of $0.475 per share declared one year ago, as adjusted for the 1% stock dividend declared in June 2024, payable on June 28, 2024 to
      shareholders of record at the close of business on June 14, 2024.</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Citizens Financial Services, Inc. has nearly 1,900 shareholders, the majority of whom reside in markets where its offices are located.</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">Note: This press release may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995.&#160; These
      statements are not historical facts; rather, they are statements based on the Company's current expectations regarding its business strategies and their intended results and its future performance. &#160;Forward-looking statements are preceded by terms
      such as "expects," "believes," "anticipates," "intends" and similar expressions.&#160; Forward-looking statements are not guarantees of future performance. &#160;Numerous risks and uncertainties could cause or contribute to the Company's actual results,
      performance and achievements to be materially different from those expressed or implied by the forward-looking statements. Factors that may cause or contribute to these differences include, without limitation, changes in general economic conditions,
      including changes in market interest rates and changes in monetary and fiscal policies of the federal government; legislative and regulatory changes; and other factors disclosed periodically in the Company's filings with the Securities and Exchange
      Commission.&#160; Because of the risks and uncertainties inherent in forward-looking statements, readers are cautioned not to place undue reliance on them, whether included in this press release or made elsewhere periodically by the Company or on its
      behalf.&#160; The Company assumes no obligation to update any forward-looking statements except as may be required by applicable law or regulation.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">
      <div><br>
      </div>
      <div><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif; font-style: normal;">(1)</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt; font-style: normal;" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif; font-style: normal;">See reconciliation of GAAP and non-GAAP measures at the end of the press release</font></div>
    </div>
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          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CONSOLIDATED FINANCIAL HIGHLIGHTS</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(Dollars in thousands, except per share data)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td colspan="2" rowspan="1" style="width: 15.04%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">As of or For The</div>
            </td>
            <td colspan="2" rowspan="1" style="width: 14.21%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">As of or For The</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="width: 27.45%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Three Months Ended</div>
            </td>
            <td colspan="2" rowspan="1" style="width: 14.21%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Six Months Ended</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td colspan="2" rowspan="1" style="width: 15.04%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
            </td>
            <td colspan="2" rowspan="1" style="width: 14.21%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
            </td>
            <td style="width: 12.59%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Income and Performance Ratios</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income (Loss)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 5,275</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; (4,144)</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; 12,299</div>
            </td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 2,723</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Return on average assets (annualized)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.71%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(0.68%)</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.82%</div>
            </td>
            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.23%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Return on average equity (annualized)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">6.73%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(6.62%)</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">7.91%</div>
            </td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.22%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Return on average tangible equity (annualized) (a)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">10.76%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(9.19%)</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">12.64%</div>
            </td>
            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.06%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net interest margin (tax equivalent)(a)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.15%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.17%</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.09%</div>
            </td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.23%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Earnings (loss) per share - basic (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 1.11</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; (1.00)</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 2.59</div>
            </td>
            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 0.66</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Earnings (loss)&#160; per share - diluted (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 1.11</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; (1.00)</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 2.59</div>
            </td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 0.66</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Cash dividends paid per share (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 0.485</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 0.475</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 0.970</div>
            </td>
            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 0.949</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Number of shares used in computation - basic (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,748,927</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4,159,966</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,748,523</div>
            </td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4,106,005</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Number of shares used in computation - diluted (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,753,697</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4,159,966</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,753,918</div>
            </td>
            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4,106,005</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Asset quality</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Allowance for credit losses - loans</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 22,797</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,652</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Non-performing assets</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 17,924</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 13,638</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Allowance for credit losses - loans to total loans</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.01%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">1.00%</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Non-performing assets to total loans</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.79%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.63%</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized net charge-offs to total loans</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.12%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.00%</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.12%</div>
            </td>
            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.00%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Equity</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Book value per share (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 60.19</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 55.38</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Tangible Book value per share (a) (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 41.49</div>
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            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 45.75%; vertical-align: top;">
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top;">
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 307,336</div>
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            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Balance Sheet Highlights</div>
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            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">June 30,</div>
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            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
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            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
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            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
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            <td style="width: 12.41%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 2,891,808</div>
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            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities</div>
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            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;404,231</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;419,539</div>
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            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;436,164</div>
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            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans (net of unearned income)</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,255,716</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,239,659</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,162,842</div>
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            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Allowance for credit losses - loans</div>
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            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,797</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,598</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,652</div>
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            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Deposits</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,273,095</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,321,481</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,266,100</div>
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            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Stockholders' Equity</div>
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            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;279,666</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;263,228</div>
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            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(a) <font style="font-size: 8pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">See reconcilation of GAAP and Non-GAAP measures
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            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(b) Prior period amounts were adjusted to reflect stock dividends.</div>
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            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
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          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
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        <tr>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CONSOLIDATED BALANCE SHEET</div>
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          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
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          <td style="width: 12.08%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
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        <tr>
          <td style="width: 65.19%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">June 30,</div>
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          <td style="width: 10.65%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
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          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">June 30,</div>
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          <td style="width: 65.19%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(in thousands except share data)</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
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          <td style="width: 10.65%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
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          <td style="width: 12.08%; vertical-align: top; border-bottom: #000000 2px solid;">
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        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
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          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 65.19%; vertical-align: top;">
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          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Noninterest-bearing</div>
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          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
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        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Interest-bearing</div>
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          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 10.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
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        <tr>
          <td style="width: 65.19%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest bearing time deposits with other banks</div>
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          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,814</div>
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        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Equity securities</div>
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          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,938</div>
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          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,849</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Available-for-sale securities</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;402,661</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;417,601</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;434,315</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans held for sale</div>
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          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,227</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,379</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,940</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans (net of allowance for credit losses - loans: $22,797 at June 30, 2024;</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;$21,153 at December 31, 2023 and $21,652 at June 30, 2023)</div>
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          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,232,919</div>
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          <td style="width: 10.65%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,227,683</div>
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          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,141,190</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Premises and equipment</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,899</div>
          </td>
          <td style="width: 10.65%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,384</div>
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          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,382</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accrued interest receivable</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,782</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,043</div>
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          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,283</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Goodwill</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;85,758</div>
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          <td style="width: 10.65%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;85,758</div>
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          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;84,758</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Bank owned life insurance</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;49,746</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;49,897</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;50,194</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other intangibles</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,244</div>
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          <td style="width: 10.65%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,650</div>
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          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,071</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Fair value of derivative instruments - asset</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,111</div>
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          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,687</div>
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          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,395</div>
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        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Deferred tax asset</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,185</div>
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          <td style="width: 10.65%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,339</div>
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          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,108</div>
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        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other assets</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;53,176</div>
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          <td style="width: 10.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;59,074</div>
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          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;43,800</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL ASSETS</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; 2,947,531</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; 2,975,321</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 2,891,808</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">LIABILITIES:</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Deposits:</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Noninterest-bearing</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 501,991</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160;&#160; 523,784</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 553,097</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Interest-bearing</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,771,104</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,797,697</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,713,003</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total deposits</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,273,095</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,321,481</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,266,100</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Borrowed funds</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;334,829</div>
          </td>
          <td style="width: 10.65%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;322,036</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;318,200</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accrued interest payable</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,482</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,298</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,256</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Fair value of derivative instruments - liability</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,319</div>
          </td>
          <td style="width: 10.65%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,922</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,303</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other liabilities</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;40,336</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;39,918</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;32,721</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL LIABILITIES</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,661,061</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,695,655</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,628,580</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">STOCKHOLDERS' EQUITY:</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Preferred Stock $1.00 par value; authorized</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;3,000,000 shares; none issued in 2024 or 2023</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Common stock</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td colspan="2" style="width: 77.27%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;$1.00 par value; authorized 25,000,000 shares at June 30, 2024, December 31, 2023 and</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td colspan="3" style="width: 87.92%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;June 30, 2023: issued 5,207,343 at June 30, 2024 and 5,160,754 at December 31, 2023 and</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;June 30, 2023</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,207</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,161</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,161</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Additional paid-in capital</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;144,985</div>
          </td>
          <td style="width: 10.65%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;143,233</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;143,351</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Retained earnings</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;178,588</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;172,975</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;162,499</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accumulated other comprehensive loss</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(25,932)</div>
          </td>
          <td style="width: 10.65%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(24,911)</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(30,980)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Treasury stock, at cost:&#160; 447,857 at June 30, 2024 and 453,760 shares</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.65%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;at December 31, 2023 and 456,986 shares at June 30, 2023</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(16,378)</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(16,792)</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(16,803)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL STOCKHOLDERS' EQUITY</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;286,470</div>
          </td>
          <td style="width: 10.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;279,666</div>
          </td>
          <td style="width: 12.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;263,228</div>
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        </tr>
        <tr>
          <td style="width: 65.19%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL LIABILITIES AND</div>
          </td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
          <td style="width: 10.65%; vertical-align: top;">&#160;</td>
          <td style="width: 12.08%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 65.19%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;STOCKHOLDERS' EQUITY</div>
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          <td style="width: 12.08%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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          <td style="width: 10.65%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; 2,975,321</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 2,891,808</div>
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        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.15%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 64.17%; vertical-align: top;" colspan="2">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CONSOLIDATED STATEMENT OF INCOME (LOSS)</div>
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          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.15%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.15%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">&#160;</td>
          <td style="width: 24.68%; vertical-align: top;" colspan="2">
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          <td style="width: 23.49%; vertical-align: top;" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Six Months Ended</div>
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        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
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          <td style="width: 12.34%; vertical-align: top; border-bottom: #000000 2px solid;" rowspan="1" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
          </td>
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        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(in thousands, except share and per share data)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
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          <td style="width: 12.34%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">INTEREST INCOME:</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.15%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest and fees on loans</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 35,067</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 24,117</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 70,200</div>
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          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; 46,666</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest-bearing deposits with banks</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;262</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;127</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;505</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;198</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities:</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;Taxable</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,663</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,683</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,287</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,239</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;Nontaxable</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;520</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;572</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,052</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,189</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;Dividends</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;390</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;311</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;791</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;625</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL INTEREST INCOME</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;37,902</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;26,810</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;75,835</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;51,917</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">INTEREST EXPENSE:</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.15%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Deposits</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,655</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,480</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,976</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,419</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Borrowed funds</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,947</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,409</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,601</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,497</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL INTEREST EXPENSE</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,602</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,889</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;33,577</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,916</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">NET INTEREST INCOME</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,300</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,921</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;42,258</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;36,001</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision for credit losses</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,002</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;262</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,787</div>
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          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;262</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision for credit losses - acquisition day 1 non-PCD</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,591</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,591</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">NET INTEREST INCOME AFTER</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;PROVISION FOR CREDIT LOSSES</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,298</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,068</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;39,471</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;31,148</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">NON-INTEREST INCOME:</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Service charges</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,385</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,293</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,757</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,504</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Trust</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;201</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;181</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;445</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;411</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Brokerage and insurance</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;563</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;442</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,228</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;956</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Gains on loans sold</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;479</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;169</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;896</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;214</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Equity security losses, net</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(87)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(74)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(32)</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(292)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Available for sale security losses, net</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(51)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(51)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Earnings on bank owned life insurance</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;328</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;234</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;996</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;452</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Gain on sale of Braavo division</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,102</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;467</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;86</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;915</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;260</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL NON-INTEREST INCOME</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,336</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,280</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,307</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,454</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">NON-INTEREST EXPENSES:</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.15%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Salaries and employee benefits</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,617</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,916</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,907</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,593</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Occupancy</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,266</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;814</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,590</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,649</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Furniture and equipment</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;295</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;162</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;531</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;313</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Professional fees</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;698</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;387</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,401</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;768</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">FDIC insurance expense</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;509</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;325</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,034</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;625</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Pennsylvania shares tax</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;330</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;298</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;640</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;596</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Amortization of intangibles</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;147</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;31</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;296</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Software expenses</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;494</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;372</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,008</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;723</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">ORE expenses (income)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;175</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(11)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;162</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Merger and acquisition expenses</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,402</div>
          </td>
          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,646</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,715</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,984</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,320</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,468</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL NON-INTEREST EXPENSES</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,246</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,680</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;32,889</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;32,458</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Income (loss) before provision (benefit) for income taxes</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,388</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,332)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,889</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,144</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision (benefit) for income tax expense</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,113</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,188)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,590</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;421</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">NET INCOME (LOSS)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160;&#160; 5,275</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; (4,144)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 12,299</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 2,723</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 12.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.15%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">PER COMMON SHARE DATA:</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net Income (loss) - Basic</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 1.11</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; (1.00)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 2.59</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 0.66</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net Income (loss) - Diluted</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 1.11</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; (1.00)</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 2.59</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 0.66</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Cash Dividends Paid</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160;&#160; 0.485</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 0.475</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160;&#160; 0.970</div>
          </td>
          <td style="width: 11.15%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 0.949</div>
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        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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        <tr>
          <td style="width: 51.83%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Number of shares used in computation - basic</div>
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          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,748,927</div>
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          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;4,159,966</div>
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          <td style="width: 12.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,748,523</div>
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          <td style="width: 11.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;4,106,005</div>
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        </tr>
        <tr>
          <td style="width: 51.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Number of shares used in computation - diluted</div>
          </td>
          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,753,697</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;4,159,966</div>
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          <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,753,918</div>
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          <td style="width: 11.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;4,106,005</div>
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        <tr>
          <td style="width: 53.18%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">&#160;</td>
          <td style="width: 9.37%; vertical-align: top;">&#160;</td>
          <td style="width: 9.36%; vertical-align: top;">&#160;</td>
          <td style="width: 9.36%; vertical-align: top;">&#160;</td>
          <td style="width: 9.37%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 71.91%; vertical-align: top;" colspan="3">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">QUARTERLY CONDENSED, CONSOLIDATED INCOME (LOSS) STATEMENT INFORMATION</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">&#160;</td>
          <td style="width: 9.36%; vertical-align: top;">&#160;</td>
          <td style="width: 9.37%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">&#160;</td>
          <td style="width: 9.37%; vertical-align: top;">&#160;</td>
          <td style="width: 9.36%; vertical-align: top;">&#160;</td>
          <td style="width: 9.36%; vertical-align: top;">&#160;</td>
          <td style="width: 9.37%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(in thousands, except per share data)</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">&#160;</td>
          <td style="width: 18.73%; vertical-align: top;" colspan="3" rowspan="1">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Three Months Ended,</div>
          </td>
          <td style="width: 9.37%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top;">&#160;</td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">June 30,</div>
          </td>
          <td style="width: 9.37%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 31,</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Dec 31,</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Sept 30,</div>
          </td>
          <td style="width: 9.37%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Interest income</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 37,902</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 37,933</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 38,512</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 36,689</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 26,810</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Interest expense</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,602</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,975</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,657</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,285</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,889</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net interest income</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,300</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,958</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,855</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,404</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,921</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision for credit losses</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,002</div>
          </td>
          <td style="width: 9.37%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;785</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;200</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;475</div>
          </td>
          <td style="width: 9.37%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;262</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision for credit losses - acquisition day 1 non-PCD</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,591</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net interest income after provision for credit losses</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,298</div>
          </td>
          <td style="width: 9.37%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,173</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,655</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,929</div>
          </td>
          <td style="width: 9.37%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,068</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Non-interest income</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,423</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,916</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,410</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,593</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,405</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Investment securities (losses) gains, net</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(87)</div>
          </td>
          <td style="width: 9.37%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;55</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;69</div>
          </td>
          <td style="width: 9.37%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(125)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Non-interest expenses</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,246</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,643</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,920</div>
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          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,444</div>
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          <td style="width: 9.37%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,680</div>
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        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Income (loss) before provision for income taxes</div>
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          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,388</div>
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          <td style="width: 9.37%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,501</div>
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          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,224</div>
          </td>
          <td style="width: 9.36%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,147</div>
          </td>
          <td style="width: 9.37%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,332)</div>
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        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Provision for income tax expense (benefit)</div>
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          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,113</div>
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          <td style="width: 9.37%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,477</div>
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          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,684</div>
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          <td style="width: 9.36%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,599</div>
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          <td style="width: 9.37%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,188)</div>
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        </tr>
        <tr>
          <td style="width: 53.18%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net income (loss)</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160;&#160; 5,275</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,024</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,540</div>
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          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,548</div>
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          <td style="width: 9.37%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160;&#160; (4,144)</div>
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        <tr>
          <td style="width: 53.18%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Earnings (Loss) Per Share Basic</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 1.11</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.48</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
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          <td style="width: 9.37%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; (1.00)</div>
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          <td style="width: 53.18%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Earnings (Loss) Per Share Diluted</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 1.11</div>
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          <td style="width: 9.37%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.48</div>
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          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
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          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
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          <td style="width: 9.37%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; (1.00)</div>
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        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
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          <td style="width: 100%; vertical-align: top;" colspan="7">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CONSOLIDATED AVERAGE BALANCES, INTEREST, YIELDS AND RATES, AND NET INTEREST MARGIN ON A FULLY TAX-EQUIVALENT BASIS</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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          <td style="width: 9.43%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">&#160;</td>
          <td style="width: 26.61%; vertical-align: top;" colspan="6" rowspan="1">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Three Months Ended June 30,</div>
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        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">&#160;</td>
          <td style="width: 9.43%; vertical-align: top; border-bottom: #000000 2px solid;" rowspan="1" colspan="3">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
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          <td style="width: 8.58%; vertical-align: top; border-bottom: #000000 2px solid;" rowspan="1" colspan="3">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
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        <tr>
          <td style="width: 50.14%; vertical-align: top;">&#160;</td>
          <td style="width: 9.43%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Average</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Average</div>
          </td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average</div>
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          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">&#160;</td>
          <td style="width: 9.43%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Balance (1)</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Interest</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Rate</div>
          </td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Balance (1)</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest</div>
          </td>
          <td style="width: 6.08%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Rate</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(dollars in thousands)</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">$</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">$</div>
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          <td style="width: 8.59%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">%</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">$</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">$</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">ASSETS</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest-bearing deposits at banks</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,353</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;232</div>
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          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.11</div>
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          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,193</div>
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          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;82</div>
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          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">1.79</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest bearing time deposits at banks</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,820</div>
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          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30</div>
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          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.16</div>
          </td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,000</div>
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          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;45</div>
          </td>
          <td style="width: 6.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.99</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities:</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Taxable</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;355,321</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,053</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2.31</div>
          </td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;388,327</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,994</div>
          </td>
          <td style="width: 6.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.05</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Tax-exempt (3)</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;105,379</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;658</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2.50</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;113,674</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;725</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.55</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;460,700</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,711</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2.35</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;502,001</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,719</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.17</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans: (2)(3)(4)</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Residential mortgage loans</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;358,448</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,232</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.87</div>
          </td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;236,167</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,168</div>
          </td>
          <td style="width: 6.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.39</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Construction loans</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;184,103</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,367</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">7.36</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;90,635</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,353</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.99</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Commercial Loans</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;1,251,484</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,154</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">6.48</div>
          </td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;983,666</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,772</div>
          </td>
          <td style="width: 6.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.62</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Agricultural Loans</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;346,107</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,482</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.21</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;345,467</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,221</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">4.90</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Loans to state &amp; political subdivisions</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,290</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;556</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.97</div>
          </td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;60,395</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;582</div>
          </td>
          <td style="width: 6.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.87</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Other loans</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;68,805</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,383</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">8.08</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;60,770</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,136</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">7.50</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Loans, net of discount (2)(3)(4)</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;2,265,237</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35,174</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">6.25</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;1,777,100</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,232</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.47</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total interest-earning assets</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;2,748,110</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;38,147</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.58</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,303,294</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;27,078</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">4.72</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Cash and due from banks</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,199</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,386</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Bank premises and equipment</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,053</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,960</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other assets</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;195,528</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;102,155</div>
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          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 6.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total non-interest earning assets</div>
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          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;225,780</div>
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          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;129,501</div>
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          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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        <tr>
          <td style="width: 50.14%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total assets</div>
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          <td style="width: 9.43%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;2,973,890</div>
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          <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,432,795</div>
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          <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td style="width: 6.08%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">LIABILITIES AND STOCKHOLDERS' EQUITY</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest-bearing liabilities:</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;NOW accounts</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;766,142</div>
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          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,776</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.51</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;545,527</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,067</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.52</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Savings accounts</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;299,318</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;391</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.53</div>
          </td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;314,745</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;265</div>
          </td>
          <td style="width: 6.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.34</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Money market accounts</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;381,377</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,972</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3.13</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;330,453</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,847</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.24</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Certificates of deposit</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;457,570</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,516</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3.97</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;283,694</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,301</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.84</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total interest-bearing deposits</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;1,904,407</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,655</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.67</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;1,474,419</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,480</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.49</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other borrowed funds</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;324,736</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,947</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.89</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;307,523</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,409</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.45</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total interest-bearing liabilities</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;2,229,143</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,602</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3.00</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;1,781,942</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,889</div>
          </td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.00</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Demand deposits</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;382,312</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;397,084</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other liabilities</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;49,051</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,379</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total non-interest-bearing liabilities</div>
          </td>
          <td style="width: 9.43%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;431,363</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;400,463</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Stockholders' equity</div>
          </td>
          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;313,384</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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          <td style="width: 9.43%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
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          <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,432,795</div>
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          <td style="width: 50.14%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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          <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,189</div>
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        <tr>
          <td style="width: 50.14%; vertical-align: top;">
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          <td style="width: 9.43%; vertical-align: top;">&#160;</td>
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          <td style="width: 6.08%; vertical-align: top;">
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          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <td style="width: 9.43%; vertical-align: top;">&#160;</td>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">123%</div>
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          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">129%</div>
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          <td style="width: 50.14%; vertical-align: top;">&#160;</td>
          <td style="width: 9.43%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(1) Averages are based on daily averages.</div>
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          <td style="width: 9.43%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
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          <td style="width: 50.14%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(2) Includes loan origination and commitment fees.</div>
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          <td style="width: 9.43%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
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          <td style="width: 76.75%; vertical-align: top;" colspan="4">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(3) Tax exempt interest revenue is shown on a tax equivalent basis for proper comparison using</div>
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          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;a statutory federal income tax rate of 21% for 2024 and 2023. See reconciliation of GAAP and non-gaap measures at the end</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;of the press release</div>
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          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(4) Income on non-accrual loans is accounted for on a cash basis, and the loan balances are included in interest-earning assets.</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(5) Interest rate spread represents the difference between the average rate earned on interest-earning assets</div>
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          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;and the average rate paid on interest-bearing liabilities.</div>
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          <td style="width: 9.43%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 6.08%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CONSOLIDATED AVERAGE BALANCES, INTEREST, YIELDS AND RATES, AND NET INTEREST MARGIN ON A FULLY TAX-EQUIVALENT BASIS</div>
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          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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          <td style="width: 49.91%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Six Months Ended June 30,</div>
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          <td style="width: 49.91%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
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          <td style="width: 49.91%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Average</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Average</div>
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          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average</div>
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          <td style="width: 49.91%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Balance (1)</div>
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          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Interest</div>
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          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Rate</div>
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          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Balance (1)</div>
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          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest</div>
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          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Rate</div>
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        <tr>
          <td style="width: 49.91%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(dollars in thousands)</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">$</div>
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          <td style="width: 8.35%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">$</div>
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          <td style="width: 8.35%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">%</div>
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          <td style="width: 8.35%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">$</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">$</div>
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          <td style="width: 8.35%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">%</div>
          </td>
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        <tr>
          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">ASSETS</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest-bearing deposits at banks</div>
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          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30,119</div>
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          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">1.33</div>
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        <tr>
          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest bearing time deposits at banks</div>
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          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,937</div>
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          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;60</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.06</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,028</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;90</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.00</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities:</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Taxable</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;359,142</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,078</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2.27</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;384,453</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,864</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.01</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Tax-exempt (3)</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;106,438</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,332</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2.50</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;117,025</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,505</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.57</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;465,580</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,410</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2.32</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;501,478</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,369</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.14</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans: (2)(3)(4)</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Residential mortgage loans</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;358,472</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,291</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.77</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;224,059</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,872</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.28</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Construction loans</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;187,001</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,858</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">7.38</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;88,048</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,492</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.71</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Commercial Loans</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;1,243,546</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;39,674</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">6.42</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;959,221</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;26,097</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.49</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Agricultural Loans</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;345,287</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,887</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.18</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;344,882</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,474</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">4.95</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Loans to state &amp; political subdivisions</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,469</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,106</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.94</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;59,860</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,125</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.79</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Other loans</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;89,472</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,599</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">8.09</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79,199</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,828</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">7.20</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Loans, net of discount (2)(3)(4)</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;2,280,247</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;70,415</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">6.21</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;1,755,269</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;46,888</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.39</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total interest-earning assets</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;2,779,883</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;76,330</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.52</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,279,170</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;52,455</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">4.64</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Cash and due from banks</div>
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          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,511</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,716</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Bank premises and equipment</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,171</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,292</div>
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          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other assets</div>
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          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;181,792</div>
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          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;96,542</div>
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          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total non-interest earning assets</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;212,474</div>
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          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;122,550</div>
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          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total assets</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;2,992,357</div>
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          <td style="width: 8.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,401,720</div>
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          <td style="width: 8.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">LIABILITIES AND STOCKHOLDERS' EQUITY</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest-bearing liabilities:</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;NOW accounts</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;783,055</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,999</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.57</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;527,960</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,584</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.37</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Savings accounts</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;300,704</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;778</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.52</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;317,063</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;471</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Money market accounts</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;381,209</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,765</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3.04</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;325,841</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,121</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.93</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Certificates of deposit</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;439,995</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,434</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3.86</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;281,482</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,243</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.61</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total interest-bearing deposits</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;1,904,963</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,976</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.64</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;1,452,346</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,419</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.31</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other borrowed funds</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;350,354</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,601</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.94</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;303,344</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,497</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.32</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total interest-bearing liabilities</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;2,255,317</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;33,577</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.99</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;1,755,690</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,916</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.83</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Demand deposits</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;376,632</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;386,104</div>
          </td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other liabilities</div>
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          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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        <tr>
          <td style="width: 49.91%; vertical-align: top;">
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          <td style="width: 8.35%; vertical-align: top;">
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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          <td style="width: 49.91%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
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          <td style="width: 8.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
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          <td style="width: 49.91%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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          <td style="width: 8.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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        <tr>
          <td style="width: 49.91%; vertical-align: top;">
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          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 49.91%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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          <td style="width: 49.91%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(1) Averages are based on daily averages.</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(2) Includes loan origination and commitment fees.</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(3) Tax exempt interest revenue is shown on a tax equivalent basis for proper comparison using</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;a statutory federal income tax rate of 21% for 2024 and 2023. See reconciliation of GAAP and non-gaap measures at the end</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(5) Interest rate spread represents the difference between the average rate earned on interest-earning assets</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;and the average rate paid on interest-bearing liabilities.</div>
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          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
          </td>
          <td style="width: 12.14%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
          <td style="width: 10.49%; vertical-align: top;">&#160;</td>
          <td style="width: 10.4%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CONSOLIDATED SUMMARY OF LOANS BY TYPE; NON-PERFORMING ASSETS; and ALLOWANCE FOR CREDIT LOSSES</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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          <td style="width: 12.14%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
          <td style="width: 10.49%; vertical-align: top;">&#160;</td>
          <td style="width: 10.4%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(Excludes Loans Held for Sale)</div>
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          <td style="width: 12.14%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
          <td style="width: 10.49%; vertical-align: top;">&#160;</td>
          <td style="width: 10.4%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(In Thousands)</div>
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          <td style="width: 12.14%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
          <td style="width: 10.49%; vertical-align: top;">&#160;</td>
          <td style="width: 10.4%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
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          <td style="width: 46.2%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">June 30,</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 31,</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30,</div>
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          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
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          <td style="width: 46.2%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 12.14%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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          <td style="width: 10.49%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
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          <td style="width: 10.4%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
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          <td style="width: 10.39%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Real estate:</div>
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          <td style="width: 12.14%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
          <td style="width: 10.49%; vertical-align: top;">&#160;</td>
          <td style="width: 10.4%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Residential</div>
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          <td style="width: 12.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 354,588</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 357,779</div>
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          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160;&#160; 359,990</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 356,381</div>
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          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 358,025</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Commercial</div>
          </td>
          <td style="width: 12.14%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,110,269</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,115,900</div>
          </td>
          <td style="width: 10.49%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,092,887</div>
          </td>
          <td style="width: 10.4%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,081,123</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,080,513</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Agricultural</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;327,057</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;318,413</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;314,802</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;314,164</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;312,302</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Construction</div>
          </td>
          <td style="width: 12.14%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;180,157</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;184,506</div>
          </td>
          <td style="width: 10.49%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;195,826</div>
          </td>
          <td style="width: 10.4%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;175,320</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;156,927</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Consumer</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;70,542</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;53,101</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;61,316</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;115,753</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;42,701</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other commercial loans</div>
          </td>
          <td style="width: 12.14%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;130,851</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;129,438</div>
          </td>
          <td style="width: 10.49%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;136,168</div>
          </td>
          <td style="width: 10.4%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;120,347</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;120,288</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other agricultural loans</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;26,247</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,345</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30,673</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;26,648</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30,615</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">State &amp; political subdivision loans</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,005</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,177</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;57,174</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,660</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;61,471</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total loans</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,255,716</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,239,659</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,248,836</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,246,396</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,162,842</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Less: allowance for credit losses - loans</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,797</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,598</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,153</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,455</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,652</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net loans</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 2,232,919</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 2,218,061</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 2,227,683</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 2,224,941</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 2,141,190</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">&#160;</td>
          <td style="width: 12.14%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
          <td style="width: 10.49%; vertical-align: top;">&#160;</td>
          <td style="width: 10.4%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Past due and non-performing assets</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.4%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">&#160;</td>
          <td style="width: 12.14%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
          <td style="width: 10.49%; vertical-align: top;">&#160;</td>
          <td style="width: 10.4%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total Loans past due 30-89 days and still accruing</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 20,652</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 6,311</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 10,457</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 5,960</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 4,828</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">&#160;</td>
          <td style="width: 12.14%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
          <td style="width: 10.49%; vertical-align: top;">&#160;</td>
          <td style="width: 10.4%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Non-accrual loans</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 14,949</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 14,693</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 12,187</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 13,139</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 13,073</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans past due 90 days or more and accruing</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;285</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;820</div>
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          <td style="width: 10.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;516</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;139</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Non-performing loans</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 15,234</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 15,513</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 12,703</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 13,147</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 13,212</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">OREO</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,690</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;200</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;474</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;474</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;426</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total Non-performing assets</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 17,924</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 15,713</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 13,177</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 13,621</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 13,638</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">&#160;</td>
          <td style="width: 12.14%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
          <td style="width: 10.49%; vertical-align: top;">&#160;</td>
          <td style="width: 10.4%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.14%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.4%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">&#160;</td>
          <td style="width: 12.14%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
          <td style="width: 10.49%; vertical-align: top;">&#160;</td>
          <td style="width: 10.4%; vertical-align: top;">&#160;</td>
          <td style="width: 10.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td colspan="2" style="width: 22.53%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Three Months Ended</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.4%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Analysis of the Allowance for Credit Losses - Loans</div>
          </td>
          <td style="width: 12.14%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">June 30,</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 31,</div>
          </td>
          <td style="width: 10.49%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
          <td style="width: 10.4%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30,</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(In Thousands)</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Balance, beginning of period</div>
          </td>
          <td style="width: 12.14%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 21,598</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,153</div>
          </td>
          <td style="width: 10.49%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 21,455</div>
          </td>
          <td style="width: 10.4%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,652</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 15,250</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Impact of Adopting ASC 326</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Charge-offs</div>
          </td>
          <td style="width: 12.14%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(682)</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(674)</div>
          </td>
          <td style="width: 10.49%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(510)</div>
          </td>
          <td style="width: 10.4%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(808)</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(4)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Recoveries</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;26</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net (charge-offs) recoveries</div>
          </td>
          <td style="width: 12.14%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(675)</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(667)</div>
          </td>
          <td style="width: 10.49%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(502)</div>
          </td>
          <td style="width: 10.4%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(798)</div>
          </td>
          <td style="width: 10.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">PCD allowance for credit loss at acquisition</div>
          </td>
          <td style="width: 12.14%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,689</div>
          </td>
        </tr>
        <tr>
          <td style="width: 46.2%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision for credit losses - loans</div>
          </td>
          <td style="width: 12.14%; vertical-align: top;">
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          <td style="width: 10.49%; vertical-align: top;">
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          <td style="width: 10.4%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;601</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;100</div>
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          <td style="width: 46.2%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision for credit losses - acquisition day 1 non-PCD</div>
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          <td style="width: 12.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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          <td style="width: 10.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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          <td style="width: 46.2%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Balance, end of period</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 22,797</div>
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        <tr>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
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          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 63.92%; vertical-align: top;" colspan="2">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Reconciliation of GAAP and Non-GAAP Financial Measures</div>
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          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(Dollars in thousands, except per share data)</div>
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          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;" rowspan="1" colspan="2">
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          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: #000000 2px solid;" rowspan="1" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
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          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: #000000 2px solid;">
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          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: #000000 2px solid;">
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          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.34%; vertical-align: top;">
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          </td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Stockholders Equity - GAAP</div>
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          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accumulated other comprehensive loss</div>
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          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Intangible Assets</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(89,002)</div>
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          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Tangible Equity - Non-GAAP</div>
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          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;197,468</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;174,399</div>
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          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Shares outstanding adjusted for June 2024 stock Dividend</div>
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          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,759,486</div>
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          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,753,357</div>
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          <td style="width: 13.51%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Tangible Book value per share - Non-GAAP</div>
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          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 41.49</div>
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          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 36.69</div>
          </td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;" rowspan="1" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">As of</div>
          </td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" rowspan="1" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30</div>
          </td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Tangible Equity per share</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Stockholders Equity per share - GAAP</div>
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          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 60.19</div>
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          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 55.38</div>
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          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
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          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Adjustment for intangible assets</div>
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          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(18.70)</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(18.69)</div>
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          <td style="width: 13.51%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Tangible Book value per share - Non-GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 41.49</div>
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          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 36.69</div>
          </td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 23.15%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Three Months Ended</div>
          </td>
          <td style="width: 24.5%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Six Months Ended</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Return on Average Tangible Equity</div>
          </td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Stockholders Equity - GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 285,184</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 221,557</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 283,834</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 214,753</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Intangible Assets</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(89,119)</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(41,189)</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(89,220)</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(36,922)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Tangible Equity - Non-GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;196,065</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;180,368</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;194,614</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;177,831</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; padding-bottom: 2px;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income (Loss) - GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 5,275</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; (4,144)</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 12,299</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 2,723</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average Tangible Equity Non-GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">10.76%</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">-9.19%</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">12.64%</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.06%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 23.15%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Three Months Ended</div>
          </td>
          <td style="width: 24.5%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Six Months Ended</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="5">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Return on Average Assets and Equity Excluding sale of Braavo assets, net of legal fees, provision associated with Braavo loans
              remaining after sale&#160; and&#160; merger and acquisition costs</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income (Loss) - GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 5,275</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; (4,144)</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 12,299</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 2,723</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">After tax gain on sale of Braavo, net of legal fees</div>
          </td>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 13.51%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(712)</div>
          </td>
          <td style="width: 10.99%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">After tax provisision associatated with Braavo loans remaining after sale</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;898</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,427</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">After tax provision for credit losses - acquisition day 1 non-PCD</div>
          </td>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,627</div>
          </td>
          <td style="width: 13.51%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.99%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,627</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">After Tax merger and acquisition costs</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,793</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,017</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income excluding merger and acquisition costs - Non-GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 6,173</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 6,276</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 13,014</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 13,367</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Assets</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,973,890</div>
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          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,432,795</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,992,357</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,401,720</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average assets, Excluding sale of Braavo assets, net of legal fees, provision associated with Braavo loans remaining after sale,
              net of tax&#160; and&#160; merger and acquisition costs - Non-GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.83%</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">1.03%</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.87%</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">1.11%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.51%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.99%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Stockholders Equity - GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 313,384</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 250,390</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 311,142</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 244,769</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average stockholders equity, Excluding sale of Braavo assets, net of legal fees, provision associated with Braavo loans remaining
              after sale, net of tax&#160; and&#160; merger and acquisition costs - Non-GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">7.88%</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">10.03%</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">8.37%</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">10.92%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top;">&#160;</td>
          <td style="width: 13.51%; vertical-align: top;">&#160;</td>
          <td style="width: 10.99%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Tangible Equity - Non-GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;196,065</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;180,368</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;194,614</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;177,831</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average Tangible Equity Excluding sale of Braavo assets, net of legal fees, provision associated with Braavo loans remaining after
              sale, net of tax,&#160;&#160; and&#160; merger and acquisition costs - Non-GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">12.59%</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">13.92%</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">13.37%</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">15.03%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.51%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.99%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 23.15%; vertical-align: top;" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Three Months Ended</div>
          </td>
          <td style="width: 24.5%; vertical-align: top;" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Six Months Ended</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" rowspan="1" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" rowspan="1" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">&#160;</td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2024</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</div>
          </td>
        </tr>
        <tr>
          <td style="width: 89.01%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="4">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Earnings per share, Excluding sale of Braavo assets, net of legal fees and&#160; merger and acquisition costs</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income (Loss) - GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 5,275</div>
          </td>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; (4,144)</div>
          </td>
          <td style="width: 13.51%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 12,299</div>
          </td>
          <td style="width: 10.99%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 2,723</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">After tax gain on sale of Braavo, net of legal fees</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(712)</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">After tax provisision associatated with Braavo loans remaining after sale</div>
          </td>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;898</div>
          </td>
          <td style="width: 11.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 13.51%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,427</div>
          </td>
          <td style="width: 10.99%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">After tax provision for credit losses - acquisition day 1 non-PCD</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,627</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,627</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; padding-bottom: 2px;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">After Tax merger and acquisition costs</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,793</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,017</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net income excluding one time items - Non-GAAP</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 6,173</div>
          </td>
          <td style="width: 11.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 6,276</div>
          </td>
          <td style="width: 13.51%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 13,014</div>
          </td>
          <td style="width: 10.99%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 13,367</div>
          </td>
        </tr>
        <tr>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Tax equivalent adjustment</div>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:label xlink:type="resource" xlink:label="dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_WrittenCommunications" xml:lang="en-US" id="dei_WrittenCommunications">Written Communications</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WrittenCommunications" xlink:to="dei_WrittenCommunications" xlink:title="label: WrittenCommunications to dei_WrittenCommunications" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:label xlink:type="resource" xlink:label="dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SolicitingMaterial" xml:lang="en-US" id="dei_SolicitingMaterial">Soliciting Material</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SolicitingMaterial" xlink:to="dei_SolicitingMaterial" xlink:title="label: SolicitingMaterial to dei_SolicitingMaterial" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementTenderOffer" xml:lang="en-US" id="dei_PreCommencementTenderOffer">Pre-commencement Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer" xlink:title="label: PreCommencementTenderOffer to dei_PreCommencementTenderOffer" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementIssuerTenderOffer" xml:lang="en-US" id="dei_PreCommencementIssuerTenderOffer">Pre-commencement Issuer Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer" xlink:title="label: PreCommencementIssuerTenderOffer to dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag" xml:lang="en-US" id="dei_AmendmentFlag">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmendmentFlag" xlink:to="dei_AmendmentFlag" xlink:title="label: AmendmentFlag to dei_AmendmentFlag" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalYearFocus" xml:lang="en-US" id="dei_DocumentFiscalYearFocus">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus" xlink:title="label: DocumentFiscalYearFocus to dei_DocumentFiscalYearFocus" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate" xml:lang="en-US" id="dei_DocumentPeriodEndDate">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName" xml:lang="en-US" id="dei_EntityRegistrantName">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey" xml:lang="en-US" id="dei_EntityCentralIndexKey">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFileNumber" xml:lang="en-US" id="dei_EntityFileNumber">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFileNumber" xlink:to="dei_EntityFileNumber" xlink:title="label: EntityFileNumber to dei_EntityFileNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityTaxIdentificationNumber" xml:lang="en-US" id="dei_EntityTaxIdentificationNumber">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber" xlink:title="label: EntityTaxIdentificationNumber to dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1" xml:lang="en-US" id="dei_EntityAddressAddressLine1">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2" xml:lang="en-US" id="dei_EntityAddressAddressLine2">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine3" xml:lang="en-US" id="dei_EntityAddressAddressLine3">Entity Address, Address Line Three</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown" xml:lang="en-US" id="dei_EntityAddressCityOrTown">Entity Address, City or Town</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince" xml:lang="en-US" id="dei_EntityAddressStateOrProvince">Entity Address, State or Province</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode" xml:lang="en-US" id="dei_EntityAddressPostalZipCode">Entity Address, Postal Zip Code</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode" xml:lang="en-US" id="dei_CityAreaCode">City Area Code</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber" xml:lang="en-US" id="dei_LocalPhoneNumber">Local Phone Number</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol" xml:lang="en-US" id="dei_TradingSymbol">Trading Symbol</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>czfs-20240630_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
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<link:linkbase 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" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="AmendmentFlag" xlink:title="presentation: CoverAbstract to AmendmentFlag" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentPeriodEndDate" xlink:title="presentation: CoverAbstract to DocumentPeriodEndDate" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityIncorporationStateCountryCode" xlink:title="presentation: CoverAbstract to EntityIncorporationStateCountryCode" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressCountry" xlink:title="presentation: CoverAbstract to EntityAddressCountry" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressPostalZipCode" xlink:title="presentation: CoverAbstract to EntityAddressPostalZipCode" order="16.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="CityAreaCode" xlink:title="presentation: CoverAbstract to CityAreaCode" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="LocalPhoneNumber" xlink:title="presentation: CoverAbstract to LocalPhoneNumber" order="18.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="TradingSymbol" xlink:title="presentation: CoverAbstract to TradingSymbol" order="20.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SecurityExchangeName" xlink:title="presentation: CoverAbstract to SecurityExchangeName" order="22.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
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  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.24.2</span><table class="report" border="0" cellspacing="2" id="idm140068434791984">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Jun. 30, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jun. 30,  2024<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-41410<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">CITIZENS FINANCIAL SERVICES INC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000739421<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">PA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">23-2265045<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">15 S MAIN ST<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">MANSFIELD<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">PA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">16933<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">570<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">662-0444<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CZFS<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</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="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="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-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ 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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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>
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<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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      contextRef="c20240630to20240630"
      id="Fact_b179ce0b3f0a4c88b16266e383ed10ad">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
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</SEC-DOCUMENT>
