<SEC-DOCUMENT>0000739421-25-000008.txt : 20250130
<SEC-HEADER>0000739421-25-000008.hdr.sgml : 20250130
<ACCEPTANCE-DATETIME>20250130161019
ACCESSION NUMBER:		0000739421-25-000008
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20241231
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20250130
DATE AS OF CHANGE:		20250130

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:		25573814

	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>
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<DESCRIPTION>FOURTH 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_f9e86028e9f34e82b4bd397f6375bf66" contextRef="c20241231to20241231">8-K</ix:nonNumeric></div>

        <div style="text-align: center; font-weight: bold; font-size: 12pt;"> <br/>
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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_bdd970eb9ac44760ad3c2efd16982a2b" contextRef="c20241231to20241231" format="ixt:date-monthname-day-year-en">December 31, 2024</ix:nonNumeric></div>

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        <div style="text-align: center; font-size: 24pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_2b67cb0e21d048b494a7fd273739157b" contextRef="c20241231to20241231">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_0d3e8ad1db9b494186f5dcbab5d35300" contextRef="c20241231to20241231">23-2265045</ix:nonNumeric><br/>
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                <div style="text-align: center; ">(State or other jurisdiction <br/>
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                <div style="text-align: center; ">(Commission <br/>
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                <div><ix:nonNumeric name="dei:EntityAddressPostalZipCode" id="Fact_934202ea4ac64d69a275e04042ba3af9" contextRef="c20241231to20241231">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: 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/>
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        <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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    <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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    <td style="width: 33.33%; vertical-align: bottom; font-size: 10pt; text-align: center;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_e6a307a238ce464c9df85b1e5d5fa901" contextRef="c20241231to20241231">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_0b2551cb170b4a4fa8cf2f978c13a92d" contextRef="c20241231to20241231">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_dfa89960425b4d19b78602a4f5c764b4" contextRef="c20241231to20241231">NASDAQ</ix:nonNumeric> Capital Market<br/>
              </td>

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        </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_2180cc48fddf47aeab75bd6adf3cb5c8" contextRef="c20241231to20241231" 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_a672ffba5fc440a7ad3842d432909132" contextRef="c20241231to20241231" 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_fe23544c4f1f49c9a3cc07b5cb710e0b" contextRef="c20241231to20241231" 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_25a2dfc27b3a4a7e854bdbc821d827d0" contextRef="c20241231to20241231" 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_5ebe2c46bcdf4e479fed35edcf94e0bc" contextRef="c20241231to20241231" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div>

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        <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>

    </div>

  </div>

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  <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="display: inline-block; text-indent: 0px; font-size: 1px; width: 72pt" class="TRGRRTFtoHTMLTab">&#160;</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 fourth quarter 2024.</div>

    <div style="text-align: left; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">On January 30, 2025, Citizens Financial Services, Inc. issued a press release titled &#8220;Citizens Financial Services, Inc. Reports Unaudited
      Full Year and Fourth 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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            <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>

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            <div style="text-align: left; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
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            <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><a href="fourthqtrpressrelease2024.htm">99.1</a></div>
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            <div style="text-align: left; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
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            <div style="text-align: left; margin-right: 2pt; margin-left: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><a href="fourthqtrpressrelease2024.htm">Press release issued by Citizens Financial Services, Inc. on January 30, 2025, titled &#8220;Citizens Financial Services, Inc.
                Reports Unaudited Full Year and Fourth Quarter 2024 Financial Results&#8221;.</a></div>
          </td>

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

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    <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>

    <div style="text-align: left; text-indent: 36pt; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br/>
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    <td valign="top" colspan="2" style="width: 38%;"><strong>CITIZENS FINANCIAL SERVICES, INC<br/>
              </strong></td>

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    <td valign="top" align="left" style="width: 50%; padding-bottom: 2px;">
              <div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt; text-align: left;">January 30, 2025<br/>
              </div>
            </td>

    <td valign="top" style="width: 3%; padding-bottom: 2px;">
              <div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt; text-align: left;">By: </div>
            </td>

    <td valign="top" align="left" style="width: 35%; border-bottom: #000000 2px solid; white-space: nowrap;">/s/ Stephen J. Guillaume<br/>
            </td>

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    <td valign="bottom" align="left" style="width: 35%; white-space: nowrap;">Stephen J. Guillaume<br/>
            </td>

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    <td valign="top" style="width: 50%;">&#160;</td>

    <td valign="top" style="width: 3%;">&#160;</td>

    <td valign="top" style="width: 35%;">Chief Financial Officer<br/>
            </td>

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>fourthqtrpressrelease2024.htm
<DESCRIPTION>FOURTH QUARTER 2024 PRESS RELEASE
<TEXT>
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    <title></title>
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        <tr>
          <td style="width: 63.03%; vertical-align: top;">
            <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>
          </td>
          <td style="width: 36.97%; vertical-align: bottom; text-align: right;">
            <div style="font-family: 'Times New Roman',Times,serif; font-size: 10pt; font-variant: small-caps;">First Citizens Community Bank</div>
          </td>
        </tr>
        <tr>
          <td style="width: 63.03%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">570-545-6005</div>
          </td>
          <td style="width: 36.97%; vertical-align: bottom; text-align: right;">
            <div style="font-family: 'Times New Roman',Times,serif; font-size: 10pt; font-variant: small-caps;">15 S. Main Street</div>
          </td>
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          <td style="width: 63.03%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps;">570-662-8512 (fax)</div>
          </td>
          <td style="width: 36.97%; vertical-align: bottom; text-align: right;">
            <div style="font-family: 'Times New Roman',Times,serif; font-size: 10pt; font-variant: small-caps;">Mansfield, PA 16933</div>
          </td>
        </tr>

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    </div>
    <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-variant: small-caps; font-weight: bold;">citizens financial services, inc. reports unaudited full year and&#160; fourth 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; January 30, 2025 &#8211; Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today
      its unaudited consolidated financial results for the three months and year ended December 31, 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>
    <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: '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 income was $27.8 million for 2024, which is $10.0 million, or 56.2%, more than 2024&#8217;s net income 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 as a result of the acquisition of HV Bancorp, Inc., (&#8220;HVB&#8221;).&#160; The effective tax rate for 2024
                was 17.4% compared to 17.2% in 2023.</div>
            </td>
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      </table>
    </div>
    <div><br>
    </div>
    <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;">Net income was $8.0 million for the three months ended December 31, 2024, which is 5.9% more than the net income for 2023&#8217;s comparable period. The
                effective tax rate for the three months ended December 31, 2024 was 16.4% compared to 18.3% in the comparable period in 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: '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;">During the first quarter of 2024, the Company completed the sale of certain assets acquired as part of the HVB acquisition, which included loans and
                accrued interest, and software, as well as transferring certain contracts, processes and employees of a division internally known as Braavo. The proceeds from the sale totaled approximately $7.2 million and generated a pre-tax gain of
                approximately $1.1 million.</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: '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 losses was $86.5 million for 2024, an increase of $6.2 million, or 7.7%, over 2023.</div>
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          </tr>

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    <div><br>
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    <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 2024 was $2.6 million. The provision was significantly impacted by loans that were not sold as part of the
                Braavo sale that was completed in the first quarter of 2024. The provision for 2024 directly attributable to these loans was $1,806,000. As of December 31, 2024, the Company had approximately $971,000 of Braavo loans of which $774,000 were
                considering performing as of December 31, 2024.</div>
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    <div><br>
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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 months (annualized) and the year ended December 31, 2024 was 10.63% and 9.59% compared to 11.29% and 7.39%
                for the three months (annualized) and the year ended December 31, 2023, respectively. If accumulated other comprehenisve loss is excluded, the return on average equity for the three months (annualized) and the year ended December 31, 2024
                was 9.91% and 8.82% compared to 9.93% and 6.52% for the three months (annualized) and the year ended December 31, 2023, respectively (1). 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 year ended December 31, 2024 would have been 9.84% (1).</div>
            </td>
          </tr>

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    <div><br>
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    <div>
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            <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;">Return on average tangible equity (non-GAAP) for the three months (annualized) and the year ended December 31, 2024 was 15.10% and 13.84% compared
                to 16.88% and 10.00% for the three months (annualized) and the year ended December 31, 2023, respectively. 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 year ended December 31, 2024 would have been 14.19% (annualized) (1).</div>
            </td>
          </tr>

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    <div><br>
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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;">Return on average assets for the three months (annualized) and the year ended December 31, 2024 was 1.06% and 0.93% compared to 1.01% and 0.67% for
                the three months (annualized) and the year ended December 31, 2023, respectively. 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
                year ended December 31, 2024 would have been 0.96% (annualized) (1).</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;">2024 Compared to 2023</div>
    <div><br>
    </div>
    <div>
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          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <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;">For 2024, net income totaled $27,818,000 which compares to net income of $17,811,000 for 2023, an increase of $10,007,000. Basic and diluted
                earnings per share were $5.86 and $5.85, respectively, for 2024 compares to $4.02 per share for 2023.&#160; Return on equity for 2024 and 2023 was 9.59% and 7.39%, while return on assets was 0.93% and 0.67%, respectively. The increase in
                performance when comparing 2024 to 2023 was due to the one time costs associated with the acquisition of HVB and the NPC Provision recorded in 2023.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
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          <tr>
            <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 2024 totaled $86,445,000 compared to $80,260,000 for 2023, resulting in an increase of
                $6,195,000, or 7.7%.&#160; Average interest earning assets increased $262.0 million in 2024 compared to 2023, primarily due to the HVB acquisition. Average loans increased $290.8 million while average investment securities decreased $31.2
                million. The yield on interest earning assets increased 49 basis points to 5.56%, while the cost of interest-bearing liabilities increased 66 basis points to 3.00% due to the rise in market interest rates and competitive pressure. The tax
                effected net interest margin for 2024 was 3.13% compared to 3.21% for 2023.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
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          <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 2024 was $2,587,000 compared to $5,528,000 for 2023, a decrease of $2,941,000.&#160; The provision for 2024 was
                impacted by the Braavo loans as previously mentioned and an increase in past due, non-accrual and classified loans during the final three quarters 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 $1,650,000 when comparing 2024 to 2023
                with the increase being attributable to the Braavo loans and the increase in past due, non-accrual and substandard loans in 2024.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
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          <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;">Total non-interest income was $15,401,000 for 2024, which is $3,796,000 more than the non-interest income of $11,605,000 for 2023. 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 2024, the Company experienced a gain on its equity investment portfolio compared to a loss during
                2023.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
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          <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;">Total non-interest expenses for 2024 totaled $65,586,000 compared to $64,822,000 for 2023, which is an increase of $764,000, or 1.2%. Salary and
                benefit costs increased $4,357,000, or 12.5%, due to an additional 34.3 FTEs as a result of the acquisition, merit increases for 2024, as well as an increase in health insurance costs due to additional headcount and claims. The increases in
                occupancy, furniture and fixtures, software expenses and amortization expenses was due to the HVB acquisition and additional branches as part of it. FDIC insurance expense increased $521,000 due to the Company&#8217;s increased size and the
                Bank&#8217;s lower leverage capital ratio during the first half of 2024 compared to 2023. Professional fees increased due to increased legal expenses, of which $201,000 was related to the sale of certain Braavo assets. Pennsylvania shares tax
                increased due to the increased size of the Bank. 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 HVB 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 HVB
                acquisition totaled $9,269,000 in 2023 and included professional and consulting fees, printing, travel, contract termination payments and severance-related expenses.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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    <div>
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          <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 income taxes increased $2,161,000 when comparing 2024 to 2023 as a result of an increase in income before income tax of
                $12,168,000.</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 December 31, 2024 Compared to December 31, 2023</div>
    <div><br>
    </div>
    <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;">For the three months ended December 31, 2024, net income totaled $7,983,000 which compares to net income of $7,540,000 for the comparable period of
                2023, an increase of $443,000. Basic and diluted earnings per share of $1.68 for the three months ended December 31, 2024 compares to $1.59 for the 2023 comparable period.&#160; Annualized return on equity for the three months ended December 31,
                2024 and 2023 was 10.63% and 11.29%, while annualized return on assets was 1.06% and 1.01%, respectively.</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;">Net interest income before the provision for credit loss for the three months ended December 31, 2024 totaled $22,873,000 compared to $21,855,000
                for the three months ended December 31, 2023, resulting in an increase of $1,018,000, or 4.7%. Average interest earning assets increased $20.3 million for the three months ended December 31, 2024 compared to the same period last year due to
                organic growth.&#160; Average loans increased $35.8 million while average investment securities decreased $14.0 million. The tax effected net interest margin for the three months ended December 31, 2024 was 3.26% compared to 3.13% for the same
                period last year, which was impacted by the increase in the average yield on interest earning assets of 16 basis points, to 5.65%.</div>
            </td>
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    </div>
    <div><br>
    </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;">There was no provision for credit losses recorded during the three months ended December 31, 2024 compared to a provision of credit losses of
                $200,000 for the three months ended December 31, 2023. The decrease in the provision is due to lower loan growth in the fourth quarter of 2024 compared to the same period in 2023.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <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;">Total non-interest income was $3,339,000 for the three months ended December 31, 2024, which is $150,000 less than for the comparable period last
                year.&#160; The primary driver was the decrease in gains on loans sold.</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;">Total non-interest expenses for the three months ended December 31, 2024 totaled $16,668,000 compared to $15,920,000 for the same period last year,
                which is an increase of $748,000. Salaries and benefits increased $333,000 due primarily an increase in profit sharing expense accrued based on financial results for 2024. Pennsylvania shares tax increased due to the increased size of the
                Bank and timing and amount contributions that provide tax credits utilized as a reduction of the expense.</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 income taxes decreased $123,000 when comparing the three months ended December 31, 2024 to the same period in 2023 primarily due
                to tax credits and activity associated with our investments in various low income housing partnerships, as a third investment started to provide credits in the fourth quarter of 2024.&#160; The effective tax rate was 16.4% and 18.3% for the
                three months ended December 31, 2024 and 2023, respectively.</div>
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    </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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            </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 December 31, 2024, total assets were $3.03 billion, compared to $2.98 billion at December 31, 2023. The loan to deposit ratio as
                of December 31, 2024 was 97.11% compared to 96.87% 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: 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 $425.9 million at December 31, 2024 increased $8.3 million from December 31, 2023. The yield on the investment
                portfolio increased from 2.20% to 2.44% on a tax equivalent basis due to securities purchased during a higher rate environment and lower yielding securities maturing. During 2024, we purchased $70.4 million of investments, which offset the
                $62.9 million of investments that matured or were called during 2024.</div>
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    <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;">Net loans as of December 31, 2024 totaled $2.29 billion an increase of $63.9 million from December 31, 2023, due to primarily to an increase in
                student loans outstanding. Loans would have increased an additional $6.1 million, if not for the Braavo disposition.</div>
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      </table>
    </div>
    <div><br>
    </div>
    <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 allowance for credit losses - loans totaled $21,699,000 at December 31, 2024 which is an increase of $546,000 from December 31, 2023. The
                increase is due to change in expected prepayment speeds, changes in economic forecasts and an increase in past due and substandard loans. The provision for credit losses on loans was $3,176,000 for 2024 compared to $901,000 for 2023. Loan
                recoveries and charge-offs were $43,000 and $2,673,000, respectively, 2024 with the majority of the charge-offs associated with loans acquired as part of the HVB acquisition. If the Braavo charge-offs were excluded, charge-offs as a percent
                of average loans would decrease from 0.11% to 0.01%. The allowance as a percent of total loans was 0.94% as of December 31, 2024 and 2023.</div>
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    </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 $28.6 million as of December 31, 2024, an increase of $15.4 million since December 31, 2023. The increase was driven
                by eight large commercial relationships being placed on non-accrual status during 2024. Six of these relationships were acquired as part of the HVB acquisition. Several of the loans matured and took an extended period of time to be
                underwritten and extended in accordance with Company policies during which time payments were not received resulting the loans being placed on non-accrual status. Several relationships have started making payments under revised terms. Of
                these relationships, three required&#160; specific reserves as of December 31, 2024, which totaled approximately $459,000. Accruing loans past due 30-89 days totaled $8.0 million, a decrease of $2.4 million from December 31, 2023 that was&#160;
                driven by loans transferred to non-accrual status during 2024.</div>
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      </table>
    </div>
    <div style="text-align: left; margin-left: 18pt;"><br>
    </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 increased $60.5 million from December 31, 2023, to $2.38 billion at December 31, 2024. With the rise in market interest rates, competitive
                pressure for deposits continues to be at the forefront. Additionally, we have numerous state and political organization depositors with seasonal funding timelines. During 2024, brokered certificates of deposit decreased $16.2 million to
                $93.1 million. <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">At December 31, 2024, the Bank estimates that deposit 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 $1.16 billion, or 48.7% of the Bank&#8217;s total deposits. Included in this balance are balances held through Intrafi, which provides customers
                  with additional FDIC insurance, as well as deposits collateralized by securities&#160; or letters of credit (almost exclusively municipal deposits). The total of these items was $638.6 million, or 26.8% of the Bank&#8217;s total deposits, as of
                  December 31, 2024.</font></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 $299.7 million at December 31, 2024, compared to $279.7 million at December 31, 2023, an increase of $20.1 million.
                Excluding accumulated other comprehensive loss (AOCL), stockholders&#8217; equity increased $18.7 million&#160; to $323.3 million at December 31, 2024. The increase in stockholders&#8217; equity, excluding AOCL, was attributable to net income for 2024
                totaling $27.8 million, offset by cash dividends for 2024 totaling $9.3 million, net treasury stock activity of $412,000. As a result of decreases in market interest rates impacting the fair value of investment securities and swaps, AOCL
                decreased $1.4 million from December 31, 2023.</div>
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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 December 3, 2024, the Board of Directors declared a cash dividend of $0.49 per share, which was paid on December 27, 2024 to shareholders of record at the
      close of business on December 13, 2024. The quarterly cash dividend is an increase of 1.0% over the regular cash dividend of $0.485 per share declared one year ago, as adjusted for the 1% stock dividend declared in June 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 1,850 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><br>
    </div>
    <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1)</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">See reconciliation of GAAP and non-GAAP measures at the end of the press release</font></div>
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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: 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;">Year 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;">December 31,</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;">December 31,</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; 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: 12.41%; 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: 14.21%; 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: 12.59%; 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: 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</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; 7,983</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;$&#160; &#160; &#160; &#160; &#160; 7,540</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; 27,818</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; 17,811</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;">1.06%</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;">1.01%</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;">0.93%</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;">0.67%</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;">10.63%</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;">11.29%</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;">9.59%</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;">7.39%</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;">15.10%</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;">16.88%</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;">13.84%</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;">10.00%</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;">3.26%</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;">3.13%</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;">3.13%</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;">3.21%</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 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; 1.68</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;$&#160; &#160; &#160; &#160; &#160; &#160; 1.59</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 5.86</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;$&#160; &#160; &#160; &#160; &#160; &#160; 4.02</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Earnings per share - diluted (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 1.68</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;$&#160; &#160; &#160; &#160; &#160; &#160; 1.59</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 5.85</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;$&#160; &#160; &#160; &#160; &#160; &#160; 4.02</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Cash dividends paid per share (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 0.490</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;$&#160; &#160; &#160; &#160; &#160; 0.485</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 1.950</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; 1.920</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;4,750,062</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;4,746,719</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;4,750,185</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;4,429,162</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;4,752,505</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;4,746,720</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;4,755,066</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;4,429,162</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; 21,699</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;$&#160; &#160; &#160; &#160; 21,153</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Non-performing assets</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 28,612</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; 13,177</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;">0.94%</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;">0.94%</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;">1.24%</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;">0.59%</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;">0.01%</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;">0.09%</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;">0.11%</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;">0.06%</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; 62.97</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;$&#160; &#160; &#160; &#160; &#160; 58.83</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Tangible Book value per share (a) (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 44.35</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; 40.02</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;">Market Value (Last reported trade of month)</div>
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            <td style="width: 15.04%; vertical-align: top;">
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            <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);">
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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;">&#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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            <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: 45.75%; vertical-align: top;">
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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: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
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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;">
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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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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 167,894</div>
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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; 329,446</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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            <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);">
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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;">December 31,</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);">&#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;">&#160;</td>
            <td style="width: 15.04%; 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>
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            <td style="width: 12.41%; 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>
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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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            <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; 2,975,321</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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            <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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              <div style="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;427,659</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;419,539</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;">
              <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;2,313,242</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;2,248,836</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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            <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;21,699</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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              <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;2,382,028</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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            <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);">
              <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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            <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;">&#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;">&#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 colspan="3" style="width: 73.2%; vertical-align: top;">
              <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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            <td colspan="2" style="width: 60.79%; vertical-align: top;">
              <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: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 74.18%; vertical-align: top;">
            <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: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 74.18%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 13.76%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
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        <tr>
          <td style="width: 74.18%; vertical-align: top;">&#160;</td>
          <td style="width: 13.76%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">December 31,</div>
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          <td style="width: 12.07%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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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          <td style="width: 13.76%; 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>
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          <td style="width: 12.07%; 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: 74.18%; vertical-align: top;">
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          </td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Noninterest-bearing</div>
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          <td style="width: 13.76%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 12.07%; 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; 37,733</div>
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        <tr>
          <td style="width: 74.18%; 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;">&#160;&#160;Interest-bearing</div>
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          <td style="width: 12.07%; 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;15,085</div>
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        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 13.76%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 12.07%; 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;52,818</div>
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        <tr>
          <td style="width: 74.18%; vertical-align: top;">&#160;</td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest bearing time deposits with other banks</div>
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          <td style="width: 13.76%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 12.07%; 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;4,070</div>
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        <tr>
          <td style="width: 74.18%; vertical-align: top;">&#160;</td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 13.76%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 12.07%; 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;1,938</div>
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        <tr>
          <td style="width: 74.18%; vertical-align: top;">&#160;</td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Available-for-sale securities</div>
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          <td style="width: 13.76%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 12.07%; 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;417,601</div>
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        <tr>
          <td style="width: 74.18%; vertical-align: top;">&#160;</td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans held for sale</div>
          </td>
          <td style="width: 13.76%; 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;9,607</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;9,379</div>
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        <tr>
          <td style="width: 74.18%; vertical-align: top;">&#160;</td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td colspan="2" style="width: 87.93%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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        <tr>
          <td style="width: 74.18%; 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)</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;2,291,543</div>
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          <td style="width: 12.07%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;2,227,683</div>
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        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.76%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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: 13.76%; 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;21,395</div>
          </td>
          <td style="width: 12.07%; 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;21,384</div>
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        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accrued interest receivable</div>
          </td>
          <td style="width: 13.76%; 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;10,307</div>
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          <td style="width: 12.07%; 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;11,043</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Goodwill</div>
          </td>
          <td style="width: 13.76%; 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;85,758</div>
          </td>
          <td style="width: 12.07%; 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;85,758</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Bank owned life insurance</div>
          </td>
          <td style="width: 13.76%; 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;50,341</div>
          </td>
          <td style="width: 12.07%; 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;49,897</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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: 13.76%; 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;2,892</div>
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          <td style="width: 12.07%; 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;3,650</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Fair value of derivative instruments - asset</div>
          </td>
          <td style="width: 13.76%; 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;10,370</div>
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          <td style="width: 12.07%; 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;13,687</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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: 13.76%; 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;15,199</div>
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          <td style="width: 12.07%; 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;17,339</div>
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        <tr>
          <td style="width: 74.18%; 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;">Other assets</div>
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          <td style="width: 13.76%; 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;54,631</div>
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          <td style="width: 12.07%; 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;59,074</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top;">&#160;</td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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;">TOTAL ASSETS</div>
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          <td style="width: 13.76%; 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; 3,025,724</div>
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          <td style="width: 12.07%; 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;$&#160; 2,975,321</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top;">&#160;</td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">LIABILITIES:</div>
          </td>
          <td style="width: 13.76%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Deposits:</div>
          </td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Noninterest-bearing</div>
          </td>
          <td style="width: 13.76%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; 532,776</div>
          </td>
          <td style="width: 12.07%; 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; 523,784</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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;">&#160;&#160;Interest-bearing</div>
          </td>
          <td style="width: 13.76%; 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;1,849,252</div>
          </td>
          <td style="width: 12.07%; 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;1,797,697</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total deposits</div>
          </td>
          <td style="width: 13.76%; 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;2,382,028</div>
          </td>
          <td style="width: 12.07%; 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;2,321,481</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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: 13.76%; 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;297,721</div>
          </td>
          <td style="width: 12.07%; 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;322,036</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accrued interest payable</div>
          </td>
          <td style="width: 13.76%; 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;4,693</div>
          </td>
          <td style="width: 12.07%; 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;4,298</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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: 13.76%; 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;5,817</div>
          </td>
          <td style="width: 12.07%; 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;7,922</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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;">Other liabilities</div>
          </td>
          <td style="width: 13.76%; 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;35,731</div>
          </td>
          <td style="width: 12.07%; 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;39,918</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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;">TOTAL LIABILITIES</div>
          </td>
          <td style="width: 13.76%; 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;2,725,990</div>
          </td>
          <td style="width: 12.07%; 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;2,695,655</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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;">STOCKHOLDERS' EQUITY:</div>
          </td>
          <td style="width: 13.76%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top;">
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          </td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 13.76%; 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;-</div>
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          <td style="width: 12.07%; 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;-</div>
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        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top;">
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          </td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td colspan="2" style="width: 87.93%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top;">
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          <td style="width: 13.76%; vertical-align: top;">
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          <td style="width: 12.07%; 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;5,161</div>
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        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Additional paid-in capital</div>
          </td>
          <td style="width: 13.76%; 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;144,984</div>
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          <td style="width: 12.07%; 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;143,233</div>
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        <tr>
          <td style="width: 74.18%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Retained earnings</div>
          </td>
          <td style="width: 13.76%; 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;189,443</div>
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          <td style="width: 12.07%; 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;172,975</div>
          </td>
        </tr>
        <tr>
          <td style="width: 74.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accumulated other comprehensive loss</div>
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          <td style="width: 13.76%; 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;(23,521)</div>
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          <td style="width: 12.07%; 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;(24,911)</div>
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        <tr>
          <td style="width: 74.18%; vertical-align: top;">
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          </td>
          <td style="width: 13.76%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 74.18%; 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;at December 31, 2023</div>
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          <td style="width: 13.76%; 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;(16,380)</div>
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          <td style="width: 12.07%; 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;(16,792)</div>
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        <tr>
          <td style="width: 74.18%; 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;">TOTAL STOCKHOLDERS' EQUITY</div>
          </td>
          <td style="width: 13.76%; 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;299,734</div>
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          <td style="width: 12.07%; 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;279,666</div>
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        <tr>
          <td style="width: 74.18%; 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;">TOTAL LIABILITIES AND</div>
          </td>
          <td style="width: 13.76%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 74.18%; 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;">&#160;&#160;&#160;STOCKHOLDERS' EQUITY</div>
          </td>
          <td style="width: 13.76%; 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; 3,025,724</div>
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          <td style="width: 12.07%; 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; 2,975,321</div>
          </td>
        </tr>

    </table>
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  </div>
  <div>
    <table cellspacing="0" cellpadding="0" border="0" style="width: 90%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;" id="z8f7e233b7f30481e9a41da24ca627f28">

        <tr>
          <td style="width: 51.82%; 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: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td colspan="2" style="width: 64.17%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CONSOLIDATED STATEMENT OF INCOME</div>
          </td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.82%; vertical-align: top;">&#160;</td>
          <td colspan="2" style="width: 24.7%; 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" style="width: 23.48%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Year&#160; Ended</div>
          </td>
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        <tr>
          <td style="width: 51.82%; 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;">December 31,</div>
          </td>
          <td colspan="2" style="width: 23.48%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;">2024</div>
          </td>
          <td style="width: 12.35%; 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: 12.35%; 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;">2024</div>
          </td>
          <td style="width: 11.13%; 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: 51.82%; 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: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;$&#160; &#160;&#160; 36,630</div>
          </td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 35,637</div>
          </td>
          <td style="width: 12.35%; 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;$&#160;&#160; 142,688</div>
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          <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; 116,075</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;156</div>
          </td>
          <td style="width: 12.35%; 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;274</div>
          </td>
          <td style="width: 12.35%; 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;851</div>
          </td>
          <td style="width: 11.13%; 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;736</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;2,112</div>
          </td>
          <td style="width: 12.35%; 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;1,663</div>
          </td>
          <td style="width: 12.35%; 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;7,135</div>
          </td>
          <td style="width: 11.13%; 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;6,636</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;524</div>
          </td>
          <td style="width: 12.35%; 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;535</div>
          </td>
          <td style="width: 12.35%; 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;2,093</div>
          </td>
          <td style="width: 11.13%; 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;2,264</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;371</div>
          </td>
          <td style="width: 12.35%; 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;403</div>
          </td>
          <td style="width: 12.35%; 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;1,550</div>
          </td>
          <td style="width: 11.13%; 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;1,407</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;39,793</div>
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          <td style="width: 12.35%; 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;38,512</div>
          </td>
          <td style="width: 12.35%; 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;154,317</div>
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          <td style="width: 11.13%; 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;127,118</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;13,875</div>
          </td>
          <td style="width: 12.35%; 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;12,180</div>
          </td>
          <td style="width: 12.35%; 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;52,326</div>
          </td>
          <td style="width: 11.13%; 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;31,699</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;3,045</div>
          </td>
          <td style="width: 12.35%; 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;4,477</div>
          </td>
          <td style="width: 12.35%; 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;15,536</div>
          </td>
          <td style="width: 11.13%; 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;15,159</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;16,920</div>
          </td>
          <td style="width: 12.35%; 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;16,657</div>
          </td>
          <td style="width: 12.35%; 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;67,862</div>
          </td>
          <td style="width: 11.13%; 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;46,858</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;22,873</div>
          </td>
          <td style="width: 12.35%; 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;21,855</div>
          </td>
          <td style="width: 12.35%; 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;86,455</div>
          </td>
          <td style="width: 11.13%; 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;80,260</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.35%; 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;200</div>
          </td>
          <td style="width: 12.35%; 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;2,587</div>
          </td>
          <td style="width: 11.13%; 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;937</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.35%; 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;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.35%; 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;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.13%; 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: 51.82%; 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: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;22,873</div>
          </td>
          <td style="width: 12.35%; 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;21,655</div>
          </td>
          <td style="width: 12.35%; 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;83,868</div>
          </td>
          <td style="width: 11.13%; 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;74,732</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;1,356</div>
          </td>
          <td style="width: 12.35%; 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;1,443</div>
          </td>
          <td style="width: 12.35%; 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;5,749</div>
          </td>
          <td style="width: 11.13%; 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;5,639</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;187</div>
          </td>
          <td style="width: 12.35%; 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;181</div>
          </td>
          <td style="width: 12.35%; 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;816</div>
          </td>
          <td style="width: 11.13%; 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;764</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;608</div>
          </td>
          <td style="width: 12.35%; 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;495</div>
          </td>
          <td style="width: 12.35%; 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;2,381</div>
          </td>
          <td style="width: 11.13%; 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;1,924</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;596</div>
          </td>
          <td style="width: 12.35%; 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;737</div>
          </td>
          <td style="width: 12.35%; 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;2,316</div>
          </td>
          <td style="width: 11.13%; 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;1,464</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Equity security gains (losses), net</div>
          </td>
          <td style="width: 12.35%; 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;18</div>
          </td>
          <td style="width: 12.35%; 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;79</div>
          </td>
          <td style="width: 12.35%; 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;145</div>
          </td>
          <td style="width: 11.13%; 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;(144)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.35%; 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;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.35%; 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;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.13%; 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: 51.82%; 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: 12.35%; 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;350</div>
          </td>
          <td style="width: 12.35%; 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;313</div>
          </td>
          <td style="width: 12.35%; 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;1,684</div>
          </td>
          <td style="width: 11.13%; 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;1,254</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.35%; 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;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 12.35%; 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;1,102</div>
          </td>
          <td style="width: 11.13%; 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: 51.82%; 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: 12.35%; 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;224</div>
          </td>
          <td style="width: 12.35%; 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;241</div>
          </td>
          <td style="width: 12.35%; 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;1,208</div>
          </td>
          <td style="width: 11.13%; 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;755</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;3,339</div>
          </td>
          <td style="width: 12.35%; 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;3,489</div>
          </td>
          <td style="width: 12.35%; 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;15,401</div>
          </td>
          <td style="width: 11.13%; 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;11,605</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;9,725</div>
          </td>
          <td style="width: 12.35%; 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;9,392</div>
          </td>
          <td style="width: 12.35%; 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;39,347</div>
          </td>
          <td style="width: 11.13%; 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;34,990</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Occupancy</div>
          </td>
          <td style="width: 12.35%; 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;1,208</div>
          </td>
          <td style="width: 12.35%; 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;1,253</div>
          </td>
          <td style="width: 12.35%; 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;5,013</div>
          </td>
          <td style="width: 11.13%; 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;4,123</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;247</div>
          </td>
          <td style="width: 12.35%; 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;254</div>
          </td>
          <td style="width: 12.35%; 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;1,038</div>
          </td>
          <td style="width: 11.13%; 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;822</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;578</div>
          </td>
          <td style="width: 12.35%; 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;688</div>
          </td>
          <td style="width: 12.35%; 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;2,599</div>
          </td>
          <td style="width: 11.13%; 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;1,962</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;407</div>
          </td>
          <td style="width: 12.35%; 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;475</div>
          </td>
          <td style="width: 12.35%; 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;1,996</div>
          </td>
          <td style="width: 11.13%; 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;1,475</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;248</div>
          </td>
          <td style="width: 12.35%; 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;(310)</div>
          </td>
          <td style="width: 12.35%; 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;1,114</div>
          </td>
          <td style="width: 11.13%; 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;583</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;132</div>
          </td>
          <td style="width: 12.35%; 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;154</div>
          </td>
          <td style="width: 12.35%; 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;564</div>
          </td>
          <td style="width: 11.13%; 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;373</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;445</div>
          </td>
          <td style="width: 12.35%; 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;510</div>
          </td>
          <td style="width: 12.35%; 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;1,953</div>
          </td>
          <td style="width: 11.13%; 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;1,784</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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 (recovery) expenses</div>
          </td>
          <td style="width: 12.35%; 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;(34)</div>
          </td>
          <td style="width: 12.35%; 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;&#160;40</div>
          </td>
          <td style="width: 12.35%; 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;212</div>
          </td>
          <td style="width: 11.13%; 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;166</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;&#160;-</div>
          </td>
          <td style="width: 12.35%; 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;-</div>
          </td>
          <td style="width: 12.35%; 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;&#160;-</div>
          </td>
          <td style="width: 11.13%; 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;9,269</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;3,712</div>
          </td>
          <td style="width: 12.35%; 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;3,464</div>
          </td>
          <td style="width: 12.35%; 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;11,750</div>
          </td>
          <td style="width: 11.13%; 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;9,275</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;16,668</div>
          </td>
          <td style="width: 12.35%; 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;15,920</div>
          </td>
          <td style="width: 12.35%; 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;65,586</div>
          </td>
          <td style="width: 11.13%; 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;64,822</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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 before provision for income taxes</div>
          </td>
          <td style="width: 12.35%; 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;9,544</div>
          </td>
          <td style="width: 12.35%; 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;9,224</div>
          </td>
          <td style="width: 12.35%; 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;33,683</div>
          </td>
          <td style="width: 11.13%; 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;21,515</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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 income tax expense</div>
          </td>
          <td style="width: 12.35%; 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;1,561</div>
          </td>
          <td style="width: 12.35%; 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;1,684</div>
          </td>
          <td style="width: 12.35%; 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;5,865</div>
          </td>
          <td style="width: 11.13%; 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;3,704</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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</div>
          </td>
          <td style="width: 12.35%; 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;$&#160; &#160; &#160;&#160; 7,983</div>
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          <td style="width: 12.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,540</div>
          </td>
          <td style="width: 12.35%; 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;$&#160; &#160;&#160; 27,818</div>
          </td>
          <td style="width: 11.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; 17,811</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 12.35%; vertical-align: top;">&#160;</td>
          <td style="width: 11.13%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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 - Basic</div>
          </td>
          <td style="width: 12.35%; 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;$&#160; &#160; &#160; &#160;&#160; 1.68</div>
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          <td style="width: 12.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
          </td>
          <td style="width: 12.35%; 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;$&#160; &#160; &#160; &#160;&#160; 5.86</div>
          </td>
          <td style="width: 11.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 4.02</div>
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        <tr>
          <td style="width: 51.82%; 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 - Diluted</div>
          </td>
          <td style="width: 12.35%; 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;$&#160; &#160; &#160; &#160;&#160; 1.68</div>
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          <td style="width: 12.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
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          <td style="width: 12.35%; 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;$&#160; &#160; &#160; &#160;&#160; 5.85</div>
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          <td style="width: 11.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 4.02</div>
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        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;$&#160; &#160; &#160;&#160; 0.490</div>
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          <td style="width: 12.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 0.485</div>
          </td>
          <td style="width: 12.35%; 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;$&#160; &#160; &#160;&#160; 1.950</div>
          </td>
          <td style="width: 11.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 1.920</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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>
          </td>
          <td style="width: 12.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,750,062</div>
          </td>
          <td style="width: 12.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;4,746,719</div>
          </td>
          <td style="width: 12.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,750,185</div>
          </td>
          <td style="width: 11.13%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;4,429,162</div>
          </td>
        </tr>
        <tr>
          <td style="width: 51.82%; 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: 12.35%; 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;4,752,505</div>
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          <td style="width: 12.35%; 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;4,746,720</div>
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          <td style="width: 12.35%; 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;4,755,066</div>
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          <td style="width: 11.13%; 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;4,429,162</div>
          </td>
        </tr>

    </table>
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  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageBreak" style="page-break-after: always;">
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    <table cellspacing="0" cellpadding="0" border="0" style="width: 90%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;" id="z308fbd571c104b129b1c26fec1acd2a1">

        <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 colspan="2" style="width: 62.54%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">QUARTERLY CONDENSED, CONSOLIDATED INCOME STATEMENT INFORMATION</div>
          </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-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 colspan="2" style="width: 18.73%; vertical-align: top;">
            <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: 9.36%; 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;">&#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;">Dec 31,</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;">Sept 30,</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;">June 30,</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;">March 31,</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;">Dec 31,</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;">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;">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;">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;$&#160; &#160;&#160; 39,793</div>
          </td>
          <td style="width: 9.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 38,689</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;$&#160; &#160; &#160; 37,902</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 37,933</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; 38,512</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;16,920</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;17,365</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;16,602</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;16,975</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;16,657</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;22,873</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;21,324</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;21,300</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;20,958</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;21,855</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;">Provision (negative) for credit losses</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;&#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);">
            <div 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;(200)</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;&#160;&#160;2,002</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;&#160;&#160;&#160;&#160;&#160;&#160;785</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;&#160;&#160;&#160;&#160;200</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 after provision (negative) for credit losses</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;22,873</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;21,524</div>
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          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
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        <tr>
          <td style="width: 53.18%; vertical-align: top;">
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        <tr>
          <td style="width: 53.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <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;&#160;&#160;&#160;&#160;159</div>
          </td>
          <td style="width: 9.36%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          </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;&#160;&#160;&#160;&#160;&#160;&#160;55</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;&#160;&#160;&#160;&#160;&#160;&#160;79</div>
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        </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;">Non-interest expenses</div>
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          <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;16,668</div>
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          <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;16,029</div>
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          <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;16,246</div>
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          <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;16,643</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;15,920</div>
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        <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;">Income before provision for income taxes</div>
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          <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;9,544</div>
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          <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;9,250</div>
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          <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;6,388</div>
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          <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;8,501</div>
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          <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;9,224</div>
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        <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;">Provision for income tax expense</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;1,561</div>
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          <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;1,714</div>
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          <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;&#160;&#160;1,113</div>
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          <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;&#160;&#160;1,477</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;1,684</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;">Net income</div>
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          <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; 7,983</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;$&#160; &#160; &#160; &#160; 7,536</div>
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          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 5,275</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,024</div>
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          <td style="width: 9.37%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,540</div>
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        <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;">Earnings Per Share - Basic</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; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 1.68</div>
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          <td style="width: 9.37%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</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;$&#160; &#160; &#160; &#160; &#160; 1.11</div>
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          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.48</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;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
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          <td style="width: 53.18%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Earnings Per Share - Diluted</div>
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          <td style="width: 9.36%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 1.68</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.11</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.48</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</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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        <tr>
          <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 December 31,</div>
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        </tr>
        <tr>
          <td style="width: 50.14%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#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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          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1" colspan="3">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2023</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;">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>
          </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>
          </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;17,680</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;126</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;">2.84</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;18,507</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;&#160;&#160;&#160;239</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;">5.12</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>
          </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;&#160;&#160;30</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;">3.12</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;4,410</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;&#160;&#160;35</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;">3.06</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;368,221</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;2,483</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;">2.70</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;377,292</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;2,066</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;">2.19</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;103,375</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;664</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;">2.57</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;108,353</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;678</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;">2.50</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;">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;471,596</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;3,147</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;">2.67</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;485,645</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;2,744</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;">2.26</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;355,108</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;5,146</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;">5.77</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;358,735</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;5,120</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;">5.66</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;173,427</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;3,276</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;">7.51</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;197,420</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;3,653</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;">7.34</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;1,248,114</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;19,716</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;">6.28</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;1,208,249</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;19,482</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;">6.40</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;355,557</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;5,275</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;">5.90</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;339,720</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;4,302</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;">5.02</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;55,333</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;555</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;">3.99</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;56,710</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;562</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;">3.93</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;139,567</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;2,770</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; font-weight: bold;">7.90</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;130,468</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;2,627</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;">7.99</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;2,327,106</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;36,738</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;">6.28</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;2,291,302</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;35,746</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;">6.19</div>
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        </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;2,820,202</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;40,041</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;">5.65</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;2,799,864</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;38,764</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;">5.49</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;9,088</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;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,215</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;21,291</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;21,446</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>
        </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;186,815</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: 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;191,231</div>
          </td>
          <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>
        </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;">Total non-interest earning assets</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;217,194</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;223,892</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; 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: 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;3,037,396</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;3,023,756</div>
          </td>
          <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;759,604</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;4,648</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;2.43</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;816,067</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;5,344</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;2.60</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;289,798</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;367</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;0.50</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;312,575</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;417</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;0.53</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;422,624</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;3,351</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;3.15</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;400,971</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;2,910</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;2.88</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;544,320</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;5,509</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;4.03</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;401,932</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;3,509</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;3.46</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;2,016,346</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;13,875</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;2.74</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;1,931,545</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;12,180</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;2.50</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;">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;273,604</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;3,045</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;4.43</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;351,492</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;4,477</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;5.05</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;2,289,950</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;16,920</div>
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          <td style="width: 6.08%; vertical-align: top; background-color: rgb(204, 238, 255);">
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        <tr>
          <td style="width: 50.14%; vertical-align: top;">
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          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
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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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          <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>
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          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 8.59%; 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: 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>
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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;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;425,259</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;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;436,815</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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        <tr>
          <td style="width: 50.14%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 9.43%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 8.59%; 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;303,904</div>
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          <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>
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          <td style="width: 50.14%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
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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;3,037,396</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;3,023,756</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>
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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: 9.43%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <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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          <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.59%; 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;&#160;22,107</div>
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          <td style="width: 6.08%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
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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>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
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          <td style="width: 8.58%; 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>
          <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>
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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>
          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
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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;">123%</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: 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;">(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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          <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>
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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: 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: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Year Ended December 31,</div>
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          <td style="width: 49.91%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#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>
          <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;">&#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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        <tr>
          <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>
          </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;">Rate</div>
          </td>
          <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>
          </td>
          <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>
          </td>
          <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>
          </td>
        </tr>
        <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>
          </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; font-weight: bold;">$</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">$</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; font-weight: bold;">%</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;">$</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">$</div>
          </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>
          </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; font-weight: bold;">ASSETS</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;">Interest-bearing deposits at banks</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;28,264</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;&#160;730</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;">2.58</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;24,470</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;&#160;572</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;">2.34</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;">Interest bearing time deposits at banks</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;3,878</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;121</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;">3.09</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;5,255</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;164</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;">3.10</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;359,724</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;8,685</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;">2.41</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;383,241</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;8,043</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;">2.10</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;105,141</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;2,650</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;">2.52</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;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;112,806</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;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,866</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;">2.54</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;464,865</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;11,335</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;">2.44</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;496,047</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;10,909</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;">2.20</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;356,292</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;20,758</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;">5.83</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;290,971</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;15,918</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;">5.47</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;182,714</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;13,607</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;">7.45</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;135,315</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;9,485</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;">7.01</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;1,242,182</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;78,912</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;">6.35</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;1,081,488</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;64,561</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;">5.97</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;350,588</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;18,978</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;">5.41</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;342,980</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;17,061</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;">4.97</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;55,919</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;2,213</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;">3.96</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;59,308</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;2,299</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;">3.88</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;107,656</div>
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          <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;8,654</div>
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          <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;">8.04</div>
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          <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;94,519</div>
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          <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;7,204</div>
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          <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;">7.62</div>
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        </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>
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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;2,295,351</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;143,122</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;">6.24</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;">&#160;&#160;&#160;&#160;2,004,581</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;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;116,528</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;">5.81</div>
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        </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;2,792,358</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;155,308</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;">5.56</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;">&#160;&#160;&#160;&#160;2,530,353</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;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;128,173</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;">5.07</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>
          </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;9,306</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;9,341</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;21,124</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>
          <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;19,871</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>
          </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;183,674</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;139,474</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;214,104</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;168,686</div>
          </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);">&#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;3,006,462</div>
          </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);">&#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;2,699,039</div>
          </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);">&#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;765,445</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;19,205</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;2.51</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;666,505</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;13,396</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;2.01</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;296,275</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;1,532</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;318,299</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;1,314</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;0.41</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;397,942</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;12,482</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;3.14</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;364,385</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;8,713</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;2.39</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;481,862</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;19,107</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;3.97</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;328,553</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;8,276</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;2.52</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;1,941,524</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;52,326</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;2.70</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;1,677,742</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;31,699</div>
          </td>
          <td style="width: 8.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
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        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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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;323,409</div>
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          <td style="width: 8.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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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;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;326,577</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;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,159</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;4.64</div>
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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; font-weight: bold;">Total interest-bearing liabilities</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);">
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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;">&#160;&#160;&#160;&#160;2,004,319</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;2.34</div>
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        </tr>
        <tr>
          <td style="width: 49.91%; vertical-align: top;">
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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;385,702</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;382,979</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>
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        <tr>
          <td style="width: 49.91%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;40,593</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);">
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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;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;426,295</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;421,398</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>
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        <tr>
          <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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;315,234</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;273,322</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; 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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;3,006,462</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;2,699,039</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>
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        <tr>
          <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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;87,446</div>
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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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;81,315</div>
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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;">&#160;</td>
          <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: 8.35%; vertical-align: top;">
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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;">Net interest income as a percentage</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>
          <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; background-color: rgb(204, 238, 255);">&#160;</td>
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          <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;">Ratio of interest-earning assets</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>
          <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>
          <td style="width: 8.35%; vertical-align: top;">&#160;</td>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">126%</div>
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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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          <td style="width: 49.91%; 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: 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: 74.95%; 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: 8.35%; 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: 49.91%; vertical-align: top;">
            <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: 8.35%; 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: 100%; vertical-align: top;" colspan="7">
            <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: 8.35%; vertical-align: top;">&#160;</td>
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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;">&#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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        <tr>
          <td style="width: 45.97%; 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: 12.09%; vertical-align: top;">&#160;</td>
          <td style="width: 10.82%; vertical-align: top;">&#160;</td>
          <td style="width: 10.44%; vertical-align: top;">&#160;</td>
          <td style="width: 10.35%; vertical-align: top;">&#160;</td>
          <td style="width: 10.34%; 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: 12.09%; vertical-align: top;">&#160;</td>
          <td style="width: 10.82%; vertical-align: top;">&#160;</td>
          <td style="width: 10.44%; vertical-align: top;">&#160;</td>
          <td style="width: 10.35%; vertical-align: top;">&#160;</td>
          <td style="width: 10.34%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 45.97%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(Excludes Loans Held for Sale)</div>
          </td>
          <td style="width: 12.09%; vertical-align: top;">&#160;</td>
          <td style="width: 10.82%; vertical-align: top;">&#160;</td>
          <td style="width: 10.44%; vertical-align: top;">&#160;</td>
          <td style="width: 10.35%; vertical-align: top;">&#160;</td>
          <td style="width: 10.34%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(In Thousands)</div>
          </td>
          <td style="width: 12.09%; vertical-align: top;">&#160;</td>
          <td style="width: 10.82%; vertical-align: top;">&#160;</td>
          <td style="width: 10.44%; vertical-align: top;">&#160;</td>
          <td style="width: 10.35%; vertical-align: top;">&#160;</td>
          <td style="width: 10.34%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top;">&#160;</td>
          <td style="width: 12.09%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">December 31,</div>
          </td>
          <td style="width: 10.82%; 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: 10.44%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
          </td>
          <td style="width: 10.35%; 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: 10.34%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 12.09%; 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: 10.82%; 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: 10.44%; 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: 10.35%; 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: 10.34%; 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>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Real estate:</div>
          </td>
          <td style="width: 12.09%; vertical-align: top;">&#160;</td>
          <td style="width: 10.82%; vertical-align: top;">&#160;</td>
          <td style="width: 10.44%; vertical-align: top;">&#160;</td>
          <td style="width: 10.35%; vertical-align: top;">&#160;</td>
          <td style="width: 10.34%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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>
          </td>
          <td style="width: 12.09%; 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;$&#160; &#160; &#160; &#160;&#160; 351,398</div>
          </td>
          <td style="width: 10.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 353,254</div>
          </td>
          <td style="width: 10.44%; 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;$&#160; &#160; &#160;&#160; 354,588</div>
          </td>
          <td style="width: 10.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 357,779</div>
          </td>
          <td style="width: 10.34%; 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; 359,990</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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;1,121,435</div>
          </td>
          <td style="width: 10.82%; 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;1,110,548</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,110,269</div>
          </td>
          <td style="width: 10.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,115,900</div>
          </td>
          <td style="width: 10.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,092,887</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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;327,722</div>
          </td>
          <td style="width: 10.82%; 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;331,734</div>
          </td>
          <td style="width: 10.44%; 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;327,057</div>
          </td>
          <td style="width: 10.35%; 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;318,413</div>
          </td>
          <td style="width: 10.34%; 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;314,802</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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;164,326</div>
          </td>
          <td style="width: 10.82%; 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;178,706</div>
          </td>
          <td style="width: 10.44%; 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;180,157</div>
          </td>
          <td style="width: 10.35%; 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;184,506</div>
          </td>
          <td style="width: 10.34%; 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;195,826</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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;133,207</div>
          </td>
          <td style="width: 10.82%; 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;143,064</div>
          </td>
          <td style="width: 10.44%; 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;70,542</div>
          </td>
          <td style="width: 10.35%; 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;53,101</div>
          </td>
          <td style="width: 10.34%; 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;61,316</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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;131,310</div>
          </td>
          <td style="width: 10.82%; 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;134,285</div>
          </td>
          <td style="width: 10.44%; 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;130,851</div>
          </td>
          <td style="width: 10.35%; 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;129,438</div>
          </td>
          <td style="width: 10.34%; 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;136,168</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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;29,662</div>
          </td>
          <td style="width: 10.82%; 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;24,537</div>
          </td>
          <td style="width: 10.44%; 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;26,247</div>
          </td>
          <td style="width: 10.35%; 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;24,345</div>
          </td>
          <td style="width: 10.34%; 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;30,673</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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;54,182</div>
          </td>
          <td style="width: 10.82%; 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;54,874</div>
          </td>
          <td style="width: 10.44%; 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;56,005</div>
          </td>
          <td style="width: 10.35%; 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;56,177</div>
          </td>
          <td style="width: 10.34%; 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;57,174</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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;2,313,242</div>
          </td>
          <td style="width: 10.82%; 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;2,331,002</div>
          </td>
          <td style="width: 10.44%; 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;2,255,716</div>
          </td>
          <td style="width: 10.35%; 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;2,239,659</div>
          </td>
          <td style="width: 10.34%; 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;2,248,836</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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;21,699</div>
          </td>
          <td style="width: 10.82%; 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;21,695</div>
          </td>
          <td style="width: 10.44%; 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;22,797</div>
          </td>
          <td style="width: 10.35%; 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;21,598</div>
          </td>
          <td style="width: 10.34%; 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;21,153</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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; 2,291,543</div>
          </td>
          <td style="width: 10.82%; 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;$&#160; &#160; 2,309,307</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 2,232,919</div>
          </td>
          <td style="width: 10.35%; 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;$&#160;&#160; 2,218,061</div>
          </td>
          <td style="width: 10.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 2,227,683</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top;">&#160;</td>
          <td style="width: 12.09%; vertical-align: top;">&#160;</td>
          <td style="width: 10.82%; vertical-align: top;">&#160;</td>
          <td style="width: 10.44%; vertical-align: top;">&#160;</td>
          <td style="width: 10.35%; vertical-align: top;">&#160;</td>
          <td style="width: 10.34%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top;">&#160;</td>
          <td style="width: 12.09%; vertical-align: top;">&#160;</td>
          <td style="width: 10.82%; vertical-align: top;">&#160;</td>
          <td style="width: 10.44%; vertical-align: top;">&#160;</td>
          <td style="width: 10.35%; vertical-align: top;">&#160;</td>
          <td style="width: 10.34%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">
            <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: 12.09%; 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;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 8,015</div>
          </td>
          <td style="width: 10.82%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 7,423</div>
          </td>
          <td style="width: 10.44%; 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;$&#160; &#160; &#160; &#160;&#160; 20,652</div>
          </td>
          <td style="width: 10.35%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 6,311</div>
          </td>
          <td style="width: 10.34%; 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;$&#160; &#160; &#160; &#160; 10,457</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top;">&#160;</td>
          <td style="width: 12.09%; vertical-align: top;">&#160;</td>
          <td style="width: 10.82%; vertical-align: top;">&#160;</td>
          <td style="width: 10.44%; vertical-align: top;">&#160;</td>
          <td style="width: 10.35%; vertical-align: top;">&#160;</td>
          <td style="width: 10.34%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Non-accrual loans</div>
          </td>
          <td style="width: 12.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 25,701</div>
          </td>
          <td style="width: 10.82%; 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;$&#160; &#160; &#160; &#160; &#160; 20,858</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 14,949</div>
          </td>
          <td style="width: 10.35%; 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;$&#160; &#160; &#160; &#160; 14,693</div>
          </td>
          <td style="width: 10.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 12,187</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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;276</div>
          </td>
          <td style="width: 10.82%; 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;701</div>
          </td>
          <td style="width: 10.44%; 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;285</div>
          </td>
          <td style="width: 10.35%; 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;&#160;&#160;&#160;820</div>
          </td>
          <td style="width: 10.34%; 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;&#160;&#160;516</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; 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;$&#160; &#160; &#160; &#160; &#160;&#160; 25,977</div>
          </td>
          <td style="width: 10.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 21,559</div>
          </td>
          <td style="width: 10.44%; 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;$&#160; &#160; &#160; &#160;&#160; 15,234</div>
          </td>
          <td style="width: 10.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 15,513</div>
          </td>
          <td style="width: 10.34%; 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; 12,703</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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 real estate owned</div>
          </td>
          <td style="width: 12.09%; 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;2,635</div>
          </td>
          <td style="width: 10.82%; 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;2,486</div>
          </td>
          <td style="width: 10.44%; 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;2,690</div>
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          <td style="width: 10.35%; 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;&#160;&#160;&#160;200</div>
          </td>
          <td style="width: 10.34%; 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;&#160;&#160;474</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total Non-performing assets</div>
          </td>
          <td style="width: 12.09%; 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; 28,612</div>
          </td>
          <td style="width: 10.82%; 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;$&#160; &#160; &#160; &#160; &#160; 24,045</div>
          </td>
          <td style="width: 10.44%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 17,924</div>
          </td>
          <td style="width: 10.35%; 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;$&#160; &#160; &#160; &#160; 15,713</div>
          </td>
          <td style="width: 10.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 13,177</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top;">&#160;</td>
          <td style="width: 12.09%; vertical-align: top;">&#160;</td>
          <td style="width: 10.82%; vertical-align: top;">&#160;</td>
          <td style="width: 10.44%; vertical-align: top;">&#160;</td>
          <td style="width: 10.35%; vertical-align: top;">&#160;</td>
          <td style="width: 10.34%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.35%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top;">&#160;</td>
          <td style="width: 12.09%; vertical-align: top;">&#160;</td>
          <td style="width: 10.82%; vertical-align: top;">&#160;</td>
          <td style="width: 10.44%; vertical-align: top;">&#160;</td>
          <td style="width: 10.35%; vertical-align: top;">&#160;</td>
          <td style="width: 10.34%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 22.91%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="5" rowspan="1">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Three Months Ended</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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: 12.09%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">December 31,</div>
          </td>
          <td style="width: 10.82%; 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: 10.44%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
          </td>
          <td style="width: 10.35%; 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: 10.34%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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;">(In Thousands)</div>
          </td>
          <td style="width: 12.09%; 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: 10.82%; 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: 10.44%; 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: 10.35%; 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: 10.34%; 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: 45.97%; 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: 12.09%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 21,695</div>
          </td>
          <td style="width: 10.82%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 22,797</div>
          </td>
          <td style="width: 10.44%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 21,598</div>
          </td>
          <td style="width: 10.35%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,153</div>
          </td>
          <td style="width: 10.34%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,455</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Charge-offs</div>
          </td>
          <td style="width: 12.09%; 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;(105)</div>
          </td>
          <td style="width: 10.82%; 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;(1,212)</div>
          </td>
          <td style="width: 10.44%; 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;(682)</div>
          </td>
          <td style="width: 10.35%; 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;&#160;(674)</div>
          </td>
          <td style="width: 10.34%; 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;(510)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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;">Recoveries</div>
          </td>
          <td style="width: 12.09%; 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;19</div>
          </td>
          <td style="width: 10.82%; 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;10</div>
          </td>
          <td style="width: 10.44%; 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;7</div>
          </td>
          <td style="width: 10.35%; 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7</div>
          </td>
          <td style="width: 10.34%; 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;&#160;&#160;&#160;&#160;&#160;&#160;8</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.97%; 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;">Net (charge-offs) recoveries</div>
          </td>
          <td style="width: 12.09%; 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;(86)</div>
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          <td style="width: 10.82%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 10.44%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 10.35%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 10.34%; 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;(502)</div>
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        <tr>
          <td style="width: 45.97%; 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 - loans</div>
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          <td style="width: 12.09%; 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;90</div>
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          <td style="width: 10.82%; 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;100</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;1,874</div>
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          <td style="width: 10.35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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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;200</div>
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          <td style="width: 45.97%; vertical-align: top; background-color: rgb(204, 238, 255); 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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          <td style="width: 12.09%; 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; 21,695</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; 22,797</div>
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    <table cellspacing="0" cellpadding="0" border="0" id="zd9dd1642aa4546b68a13dbae63d34d5f" style="width: 90%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

        <tr>
          <td style="width: 57.86%; 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: 10.24%; vertical-align: top;">&#160;</td>
          <td style="width: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 68.11%; 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: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <td style="width: 10.24%; vertical-align: top;">&#160;</td>
          <td style="width: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 57.86%; 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>
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          <td style="width: 10.24%; vertical-align: top;">&#160;</td>
          <td style="width: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 10.24%; vertical-align: top;">&#160;</td>
          <td style="width: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">As of</div>
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          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 20.48%; vertical-align: top; border-bottom: #000000 2px solid;" colspan="2">
            <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: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 10.24%; 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: 10.23%; vertical-align: top; border-bottom: #000000 2px solid;">
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          </td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Tangible Equity</div>
          </td>
          <td style="width: 10.24%; vertical-align: top;">&#160;</td>
          <td style="width: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 10.24%; 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; 299,734</div>
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          <td style="width: 10.23%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Intangible Assets</div>
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          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 Equity - Non-GAAP</div>
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          <td style="width: 10.24%; 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;211,084</div>
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          <td style="width: 10.23%; 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;190,258</div>
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          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 57.86%; vertical-align: top; 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: 10.24%; 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;4,759,612</div>
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          <td style="width: 10.23%; 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;4,753,583</div>
          </td>
          <td style="width: 11.96%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 - Non-GAAP</div>
          </td>
          <td style="width: 10.24%; 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; 44.35</div>
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          <td style="width: 10.23%; 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; 40.02</div>
          </td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 10.24%; vertical-align: top;">&#160;</td>
          <td style="width: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.24%; vertical-align: top; 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;">As of</div>
          </td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 20.48%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.24%; 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>
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          <td style="width: 10.23%; 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: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <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: 10.24%; vertical-align: top;">&#160;</td>
          <td style="width: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 per share - GAAP</div>
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          <td style="width: 10.24%; 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; 62.97</div>
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          <td style="width: 10.23%; 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; 58.83</div>
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          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 57.86%; vertical-align: top; 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: 10.24%; 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;(18.62)</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;(18.81)</div>
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          <td style="width: 11.96%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
        </tr>
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          <td style="width: 57.86%; 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 - Non-GAAP</div>
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          <td style="width: 10.24%; 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; 44.35</div>
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          <td style="width: 10.23%; 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; 40.02</div>
          </td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 10.24%; vertical-align: top;">&#160;</td>
          <td style="width: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 10.24%; vertical-align: top;">&#160;</td>
          <td style="width: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 20.48%; 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: 21.66%; vertical-align: top;" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Year Ended</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 20.48%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
          <td style="width: 21.66%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 10.24%; 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: 10.23%; 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: 11.96%; 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: 9.7%; 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: 90.3%; 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;">Return on Average Assets Excluding Accumulated Other Comprehensive Loss (AOCL)</div>
          </td>
          <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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: 10.24%; 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; 3,015,467</div>
          </td>
          <td style="width: 10.23%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 2,987,084</div>
          </td>
          <td style="width: 11.96%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 2,981,322</div>
          </td>
          <td style="width: 9.7%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 2,666,841</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 AOCL</div>
          </td>
          <td style="width: 10.24%; 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;(21,929)</div>
          </td>
          <td style="width: 10.23%; 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;(36,672)</div>
          </td>
          <td style="width: 11.96%; 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;(25,140)</div>
          </td>
          <td style="width: 9.7%; 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;(32,198)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Assets, Excluding AOCL - Non-GAAP</div>
          </td>
          <td style="width: 10.24%; 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;3,037,396</div>
          </td>
          <td style="width: 10.23%; 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;3,023,756</div>
          </td>
          <td style="width: 11.96%; 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;3,006,462</div>
          </td>
          <td style="width: 9.7%; 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;2,699,039</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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;">Net Income - GAAP</div>
          </td>
          <td style="width: 10.24%; 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; 7,983</div>
          </td>
          <td style="width: 10.23%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,540</div>
          </td>
          <td style="width: 11.96%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 27,818</div>
          </td>
          <td style="width: 9.7%; 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; 17,811</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average Assets-GAAP</div>
          </td>
          <td style="width: 10.24%; 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;">1.06%</div>
          </td>
          <td style="width: 10.23%; 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;">1.01%</div>
          </td>
          <td style="width: 11.96%; 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;">0.93%</div>
          </td>
          <td style="width: 9.7%; 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;">0.67%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 Assets, Excluding AOCL - Non-GAAP</div>
          </td>
          <td style="width: 10.24%; 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;">1.05%</div>
          </td>
          <td style="width: 10.23%; 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;">1.00%</div>
          </td>
          <td style="width: 11.96%; 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;">0.93%</div>
          </td>
          <td style="width: 9.7%; 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;">0.66%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 10.24%; vertical-align: top;">&#160;</td>
          <td style="width: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 20.48%; 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: 21.66%; 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 Year Ended</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 20.48%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
          <td style="width: 21.66%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.24%; 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: 10.23%; 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: 11.96%; 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: 9.7%; 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: 90.3%; vertical-align: top;" colspan="4">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Return on Average Equity Excluding Accumulated Other Comprehensive Loss (AOCL)</div>
          </td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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: 10.24%; 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; 300,258</div>
          </td>
          <td style="width: 10.23%; 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;$&#160; &#160; &#160; &#160; &#160;&#160; 267,232</div>
          </td>
          <td style="width: 11.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 290,094</div>
          </td>
          <td style="width: 9.7%; 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; 241,124</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average AOCL</div>
          </td>
          <td style="width: 10.24%; 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;(21,929)</div>
          </td>
          <td style="width: 10.23%; 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;(36,672)</div>
          </td>
          <td style="width: 11.96%; 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;(25,140)</div>
          </td>
          <td style="width: 9.7%; 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;(32,198)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 Stockholder's Equity, Excluding AOCL - Non-GAAP</div>
          </td>
          <td style="width: 10.24%; 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;322,187</div>
          </td>
          <td style="width: 10.23%; 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;303,904</div>
          </td>
          <td style="width: 11.96%; 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;315,234</div>
          </td>
          <td style="width: 9.7%; 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;273,322</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; padding-bottom: 2px;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income - GAAP</div>
          </td>
          <td style="width: 10.24%; 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; 7,983</div>
          </td>
          <td style="width: 10.23%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,540</div>
          </td>
          <td style="width: 11.96%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 27,818</div>
          </td>
          <td style="width: 9.7%; 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; 17,811</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 Stockholder's Equity-GAAP</div>
          </td>
          <td style="width: 10.24%; 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;">10.63%</div>
          </td>
          <td style="width: 10.23%; 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;">11.29%</div>
          </td>
          <td style="width: 11.96%; 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;">9.59%</div>
          </td>
          <td style="width: 9.7%; 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;">7.39%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average Stockholder's Equity, Excluding AOCL - Non-GAAP</div>
          </td>
          <td style="width: 10.24%; 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;">9.91%</div>
          </td>
          <td style="width: 10.23%; 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;">9.93%</div>
          </td>
          <td style="width: 11.96%; 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;">8.82%</div>
          </td>
          <td style="width: 9.7%; 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;">6.52%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.24%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.23%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.96%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 20.48%; 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: 21.66%; vertical-align: top;" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Year Ended</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 20.48%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
          <td style="width: 21.66%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 10.24%; 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: 10.23%; 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: 11.96%; 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: 9.7%; 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: 57.86%; 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;">Return on Average Tangible Equity</div>
          </td>
          <td style="width: 10.24%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.23%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.96%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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: 10.24%; 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; 300,258</div>
          </td>
          <td style="width: 10.23%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 267,232</div>
          </td>
          <td style="width: 11.96%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 290,094</div>
          </td>
          <td style="width: 9.7%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 241,124</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 Intangible Assets</div>
          </td>
          <td style="width: 10.24%; 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;(88,757)</div>
          </td>
          <td style="width: 10.23%; 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;(88,536)</div>
          </td>
          <td style="width: 11.96%; 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;(89,031)</div>
          </td>
          <td style="width: 9.7%; 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;(62,993)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <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: 10.24%; 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;211,501</div>
          </td>
          <td style="width: 10.23%; 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;178,696</div>
          </td>
          <td style="width: 11.96%; 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;201,063</div>
          </td>
          <td style="width: 9.7%; 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;178,131</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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;">Net Income - GAAP</div>
          </td>
          <td style="width: 10.24%; 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; 7,983</div>
          </td>
          <td style="width: 10.23%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,540</div>
          </td>
          <td style="width: 11.96%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 27,818</div>
          </td>
          <td style="width: 9.7%; 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; 17,811</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <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: 10.24%; 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;">15.10%</div>
          </td>
          <td style="width: 10.23%; 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;">16.88%</div>
          </td>
          <td style="width: 11.96%; 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;">13.84%</div>
          </td>
          <td style="width: 9.7%; 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;">10.00%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.24%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.23%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 11.96%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 20.48%; 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: 21.66%; vertical-align: top;" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Year Ended</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 20.48%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
          <td style="width: 21.66%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 10.24%; 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: 10.23%; 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: 11.96%; 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: 9.7%; 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: 100%; vertical-align: top; background-color: rgb(204, 238, 255);" 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 </div>
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">associated with Braavo loans remaining after sale&#160; and&#160; merger and acquisition costs</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income - GAAP</div>
          </td>
          <td style="width: 10.24%; 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; 7,983</div>
          </td>
          <td style="width: 10.23%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,540</div>
          </td>
          <td style="width: 11.96%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 27,818</div>
          </td>
          <td style="width: 9.7%; 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; 17,811</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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: 10.24%; 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: 10.23%; 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: 11.96%; 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: 9.7%; 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: 57.86%; 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: 10.24%; 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: 10.23%; 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: 11.96%; 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: 9.7%; 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: 57.86%; 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: 10.24%; 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: 10.23%; 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: 11.96%; 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: 9.7%; 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: 57.86%; 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: 10.24%; 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: 10.23%; 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;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.96%; 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: 9.7%; 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;7,513</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 merger and acquisition costs - Non-GAAP</div>
          </td>
          <td style="width: 10.24%; 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; 7,983</div>
          </td>
          <td style="width: 10.23%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,540</div>
          </td>
          <td style="width: 11.96%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 28,533</div>
          </td>
          <td style="width: 9.7%; 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; 28,951</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; 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: 10.24%; 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;3,015,467</div>
          </td>
          <td style="width: 10.23%; 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;2,987,084</div>
          </td>
          <td style="width: 11.96%; 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;2,981,322</div>
          </td>
          <td style="width: 9.7%; 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;2,666,841</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 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: 10.24%; 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;">1.06%</div>
          </td>
          <td style="width: 10.23%; 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;">1.01%</div>
          </td>
          <td style="width: 11.96%; 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;">0.96%</div>
          </td>
          <td style="width: 9.7%; 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;">1.09%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td style="width: 10.24%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 10.23%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 11.96%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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: 10.24%; 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; 300,258</div>
          </td>
          <td style="width: 10.23%; 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;$&#160; &#160; &#160; &#160; &#160;&#160; 267,232</div>
          </td>
          <td style="width: 11.96%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 290,094</div>
          </td>
          <td style="width: 9.7%; 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; 241,124</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <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: 10.24%; 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;">10.63%</div>
          </td>
          <td style="width: 10.23%; 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;">11.29%</div>
          </td>
          <td style="width: 11.96%; 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;">9.84%</div>
          </td>
          <td style="width: 9.7%; 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;">12.01%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
          <td style="width: 10.24%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 10.23%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 11.96%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <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: 10.24%; 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;211,501</div>
          </td>
          <td style="width: 10.23%; 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;178,696</div>
          </td>
          <td style="width: 11.96%; 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;201,063</div>
          </td>
          <td style="width: 9.7%; 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;178,131</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 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: 10.24%; 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;">15.10%</div>
          </td>
          <td style="width: 10.23%; 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;">16.88%</div>
          </td>
          <td style="width: 11.96%; 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;">14.19%</div>
          </td>
          <td style="width: 9.7%; 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;">16.25%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 10.24%; vertical-align: top;">&#160;</td>
          <td style="width: 10.23%; vertical-align: top;">&#160;</td>
          <td style="width: 11.96%; vertical-align: top;">&#160;</td>
          <td style="width: 9.7%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 20.48%; 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: 21.66%; 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 Year Ended</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">&#160;</td>
          <td style="width: 20.48%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
          <td style="width: 21.66%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.24%; 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: 10.23%; 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: 11.96%; 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: 9.7%; 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;">Earnings per share, Excluding sale of Braavo assets, net of legal fees and&#160; merger and acquisition costs</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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 - GAAP</div>
          </td>
          <td style="width: 10.24%; 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; 7,983</div>
          </td>
          <td style="width: 10.23%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,540</div>
          </td>
          <td style="width: 11.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 27,818</div>
          </td>
          <td style="width: 9.7%; 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; 17,811</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; 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: 10.24%; 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: 10.23%; 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: 11.96%; 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: 9.7%; 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: 57.86%; 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: 10.24%; 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: 10.23%; 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: 11.96%; 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: 9.7%; 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: 57.86%; 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: 10.24%; 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: 10.23%; 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: 11.96%; 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: 9.7%; 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: 57.86%; 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: 10.24%; 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: 10.23%; 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 11.96%; 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: 9.7%; 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;7,513</div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.86%; vertical-align: top;">
            <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: 10.24%; 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; 7,983</div>
          </td>
          <td style="width: 10.23%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
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  <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CoverAbstract" xlink:label="CoverAbstract" xlink:title="CoverAbstract" />
    <link:label xlink:type="resource" xlink:label="dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CoverAbstract" xml:lang="en-US" id="dei_CoverAbstract">Cover [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoverAbstract" xlink:to="dei_CoverAbstract" xlink:title="label: CoverAbstract to dei_CoverAbstract" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentType" xml:lang="en-US" id="dei_DocumentType">Document Type</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentType" xlink:to="dei_DocumentType" xlink:title="label: DocumentType to dei_DocumentType" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.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>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince" xlink:title="label: EntityAddressStateOrProvince to dei_EntityAddressStateOrProvince" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCountry" xml:lang="en-US" id="dei_EntityAddressCountry">Entity Address, Country</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.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/2024/dei-2024.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>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CityAreaCode" xlink:to="dei_CityAreaCode" xlink:title="label: CityAreaCode to dei_CityAreaCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.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/2024/dei-2024.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/2024/dei-2024.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:label xlink:type="resource" xlink:label="dei_NoTradingSymbolFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_NoTradingSymbolFlag" xml:lang="en-US" id="dei_NoTradingSymbolFlag">No Trading Symbol Flag</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.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>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TradingSymbol" xlink:to="dei_TradingSymbol" xlink:title="label: TradingSymbol to dei_TradingSymbol" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:label xlink:type="resource" xlink:label="dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SecurityExchangeName" xml:lang="en-US" id="dei_SecurityExchangeName">Security Exchange Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecurityExchangeName" xlink:to="dei_SecurityExchangeName" xlink:title="label: SecurityExchangeName to dei_SecurityExchangeName" />
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>czfs-20241231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 25.1.1.5279 Broadridge-->
<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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<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;">v3.24.4</span><table class="report" border="0" cellspacing="2" id="idm46360188252416">
<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>Dec. 31, 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">Dec. 31,  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>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 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>
</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>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<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 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> -Number 240<br> -Section 14a<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>
</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>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<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>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>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<tr>
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<td>dei_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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      id="Fact_bdd970eb9ac44760ad3c2efd16982a2b">2024-12-31</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="c20241231to20241231"
      id="Fact_2b67cb0e21d048b494a7fd273739157b">CITIZENS FINANCIAL SERVICES INC</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode
      contextRef="c20241231to20241231"
      id="Fact_16e10e4a554d4f2b83342674d8235431">PA</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber
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      id="Fact_7ebf3cffb49d471686ceb772cab1de83">001-41410</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber
      contextRef="c20241231to20241231"
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    <dei:EntityAddressAddressLine1
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      id="Fact_29484d47cb5544dbb46594fa3519b5d0">15 S MAIN ST</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown
      contextRef="c20241231to20241231"
      id="Fact_08068a4481324642b6808a89258f4255">MANSFIELD</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince
      contextRef="c20241231to20241231"
      id="Fact_78f17e37e4f94844b8eafcd4c308b5f5">PA</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode
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    <dei:CityAreaCode
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      id="Fact_fe34633b7b264d62a58860a039f054d8">570</dei:CityAreaCode>
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    <dei:Security12bTitle
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    <dei:SecurityExchangeName
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    <dei:SolicitingMaterial
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    <dei:PreCommencementTenderOffer
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    <dei:PreCommencementIssuerTenderOffer
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    <dei:EntityEmergingGrowthCompany
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</XML>
</TEXT>
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</SEC-DOCUMENT>
