<SEC-DOCUMENT>0000739421-25-000041.txt : 20250430
<SEC-HEADER>0000739421-25-000041.hdr.sgml : 20250430
<ACCEPTANCE-DATETIME>20250430083024
ACCESSION NUMBER:		0000739421-25-000041
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20250331
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20250430
DATE AS OF CHANGE:		20250430

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
		EIN:				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:		25891162

	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>FIRST QUARTER EARNINGS MARCH 31 2025
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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>

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        <div style="text-align: center; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_7fbec5f1bd1e42d2aab505e6ec0b4787" contextRef="c20250331to20250331">8-K</ix:nonNumeric></div>

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

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

        <div style="font-size: 10pt;"> <br/>
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        <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_885b05de1d144e8198ff2c57925e1a06" contextRef="c20250331to20250331" format="ixt:date-monthname-day-year-en">March 31, 2025</ix:nonNumeric></div>

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        <div style="font-size: 10pt; text-align: center;">(Exact name of registrant as specified in its charter) </div>

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                <div style="text-align: left; ">&#160;</div>
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        <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>

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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>
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                <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_2f0d7b428a0742afa875b2918babacb6" contextRef="c20250331to20250331">Common Stock, Par Value $1.00 Per Share</ix:nonNumeric><br/>
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        <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_05e0284b1bb642ba9285cabfaeae3740" contextRef="c20250331to20250331" 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_27f084fc947e4b659bdd15fd83cd7384" contextRef="c20250331to20250331" 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_b8cf7e580f064e23b599d6cb64ced8b3" contextRef="c20250331to20250331" 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_3e95563d63d5406e9ee6a3461d6c363b" contextRef="c20250331to20250331" 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>

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        <div style="text-align: left; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_634d7bbb9ed546939a95032b0c06357b" contextRef="c20250331to20250331" 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 style="margin-top: 6pt;">
          <hr style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;"/> </div>

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    </div>

    <div>
      <div style="text-align: left; margin-bottom: 12pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 2.02.</span><span style="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 first quarter 2025.</div>

      <div style="text-align: left; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">On April 30, 2025, Citizens Financial Services, Inc. issued a press release titled &#8220;Citizens Financial Services, Inc. Reports Unaudited
        First Quarter 2025 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>
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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; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
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    <td style="width: 14.02%; vertical-align: top;">
              <div style="text-align: left; margin-right: 2pt; margin-left: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#65279;</span><a href="firstqtrpressrelease2025.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="firstqtrpressrelease2025.htm">Press release issued by Citizens Financial Services, Inc. on April 30, 2025, titled &#8220;Citizens Financial Services, Inc.
                  Reports First Quarter 2025 Financial Results&#8221;.</a></div>
            </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>

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    <td valign="top" colspan="2" style="width: 38%;"><strong>CITIZENS FINANCIAL SERVICES, INC.<br/>
                </strong></td>

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                <div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt; text-align: left;">April 30, 2025<br/>
                </div>
              </td>

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                <div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt; text-align: left;">By: </div>
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    <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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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>firstqtrpressrelease2025.htm
<DESCRIPTION>FIRST QUARTER 2025 PRESS RELEASE
<TEXT>
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    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-variant: small-caps;">Contact:&#160; LEEANN GEPHART, </font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">CHIEF
        BANKING OFFICER</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 378pt" class="TRGRRTFtoHTMLTab">&#160;</font></div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps;">First Citizens Community Bank</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps;">15 S. Main Street</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps;">Mansfield, PA 16933</div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">570-545-6005</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 270pt" class="TRGRRTFtoHTMLTab">&#160;</font></div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-variant: small-caps;">570-662-8512 (fax)</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 270pt" class="TRGRRTFtoHTMLTab">&#160;</font></div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-variant: small-caps; font-weight: bold;">citizens financial services, inc. reports unaudited first quarter 2025 financial results</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">MANSFIELD, PENNSYLVANIA&#8212; April 30, 2025 &#8211; Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the &#8220;Bank&#8221;),
      released today its unaudited consolidated financial results for the three months ended March 31, 2025.</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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              <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 $7.6 million for the three months ended March 31, 2025, which is 8.5% more than the net income for 2024&#8217;s comparable period. The
                increase was driven by the increase in net interest income before the provision for credit losses of $2.0 million offset by the gain on the sale of a division known as Braavo and Bank-owned life insurance (BOLI) death benefits received in
                2024. The effective tax rate for the three months ended March 31, 2025 was 18.7% compared to 17.4% in the comparable period in 2024, with the increase due to a decrease in earnings on BOLI due to the passing of a former executive in 2024
                and a decrease in the benefit of investments in low-income housing partnerships.</div>
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    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z24d1f98b7d834280aea5f7ece0abd4e9">

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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 $23.0 million for the three months ended March 31, 2025, an increase of $2,044,000,
                or 9.8%, over the same period a year ago and was primarily due to an increase in investment income and a decrease in interest expense on borrowings.</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;">Return on average equity for the three months (annualized) ended March 31, 2025 was 10.00% compared to 9.95% for the three months (annualized) ended
                March 31, 2024. If the net impact of the Braavo transaction is excluded from 2024, the return on average equity for the three months (annualized) ended March 31, 2024 was 9.69% (non-GAAP). (1)</div>
            </td>
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    </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;">Return on average tangible equity for the three months (annualized) ended March 31, 2025 was 14.09% compared to 14.55% for the three months
                (annualized) ended March 31, 2024 (non-GAAP). (1)</div>
            </td>
          </tr>

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    <div><br>
    </div>
    <div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Return on average assets for the three months (annualized) ended March 31, 2025 was 1.00% compared to 0.94% for the three months (annualized) ended
                March 31, 2024.</div>
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    </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;">Non-performing assets decreased $1,130,000 since December 31, 2024 and totaled $27,482,000 as of March 31, 2025, which is $11,769,000 higher than
                the balance as of March 31, 2024. The increase from March 31, 2024 is due to loans acquired as part of the HVB acquisition. The Bank&#8217;s strategy during 2024 for certain acquired loans was to either improve the credit metrics of the
                non-performing loans or have the customers refinance the loans with another institution or sell the underlying collateral. The decrease since December reflects two large relationships being placed back on accrual status due to making
                consistent payments for at least six months. As a percent of loans, non-performing assets totaled 1.19%, 1.24% and 0.70% as of March 31, 2025, December 31, 2024 and March 31, 2024, respectively. While non-performing assets have increased
                significantly as of March 31, 2025 when compared to March 31, 2024, specific reserves for these assets have decreased from $1,987,000 to $1,603,000. The specific reserve for March 31, 2024 included $723,000 for loans that were secured by
                inventory that were charged-off in 2024.</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;">First Quarter of 2025 Compared to the First Quarter of 2024</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 March 31, 2025, net income totaled $7,621,000 which compares to net income of $7,024,000 for the comparable period of
                2024, an increase of $597,000 or 8.5%.&#160; Basic earnings per share of $1.60 for the three months ended March 31, 2025 compares to $1.48 for the 2024 comparable period. Annualized return on equity for the three months ended March 31, 2025 and
                2024 was 10.00% and 9.95%, while annualized return on assets was 1.00% and 0.94%, respectively.</div>
            </td>
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    </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 losses for the three months ended March 31, 2025 totaled $23,002,000 compared to $20,958,000 for
                the three months ended March 31, 2024, resulting in an increase of $2,044,000, or 9.8%. Average interest earning assets increased $58.7 million for the three months ended March 31, 2025 compared to the same period last year, primarily due
                to the HVB acquisition. Average loans increased $49.0 million, while average investment securities increased $15.2 million. The tax effected net interest margin for the three months ended March 31, 2025 was 3.30% compared to 3.05% for the
                same period last year. The yield on interest earning assets increased eight basis points to 5.57%, while the cost of interest bearing liabilities decreased nine basis points to 2.80%.</div>
            </td>
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    <div><br>
    </div>
    <div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The provision for the first quarter of 2025 of $625,000 was driven by the annual update of loss drivers, which includes historical loss data, as
                well as prepayment and curtailment speeds compared to $785,000 for the first quarter of 2024, which was driven by the annual updates for 2024 as well as provision for Braavo-related loans that were not sold.</div>
            </td>
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      </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;">Total non-interest income was $3,427,000 for the three months ended March 31, 2025, $1,544,000 less than the comparable period last year.&#160; The
                primary drivers of the decrease were the gain on the sale of assets associated with Braavo and BOLI death benefits received in 2024. Additionally due to the interest rate environment, gains on the sale of loans is lower in 2025 than 2024.</div>
            </td>
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      </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 the three months ended March 31, 2025 totaled $16,428,000 compared to $16,643,000 for the same period last year,
                which is a decrease of $215,000, or 1.3%. Professional fees decreased due to the legal fees associated with the sale of certain Braavo assets during 2024. ORE expenses increased due to the gain on the sale of an ORE property recorded in
                2024.</div>
            </td>
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      </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;">The provision for income taxes increased $278,000 when comparing the three months ended March 31, 2025 to the same period in 2024. This increase was
                attributable to increase in income before provision for income taxes of $875,000 and death benefits received upon the passing of a former employees in 2024 that are not subject to income tax.&#160; The effective tax rate was 18.7% and 17.4% for
                the three months ended March 31, 2025 and 2024, respectively.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Balance Sheet and Other Information:</div>
    <div><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;">At March 31, 2025, total assets were $3.02 billion compared to $3.03 billion at December 31, 2024 and $2.92 billion at March 31, 2024. The loan to
                deposit ratio as of March 31, 2025 was 97.92% compared to 97.11% as of December 31, 2024 and 97.25% as of March 31, 2024.</div>
            </td>
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    </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;">Available for sale securities of $430.7 million at March 31, 2025 increased $4.8 million from December 31, 2024 and $25.8 million from March 31,
                2024. The yield on the investment portfolio increased from 2.29% to 2.85% on a tax equivalent basis due to securities purchased during a higher rate environment and lower yielding securities maturing. Investment activity for 2025 has
                focused on replacing securities as they mature.</div>
            </td>
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    </div>
    <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;">Net loans totaled $2.29 billion at both March 31, 2025 and December 31, 2024. In comparison to March 31, 2024, loans have grown $75.5 million due to
                an increase in outstanding student loans.</div>
            </td>
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      </table>
    </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;">The allowance for credit losses - loans totaled $22,081,000 at March 31, 2025 which is an&#160; increase of $382,000 from December 31, 2024 and is due to
                changes in expected prepayment speeds and economic forecasts. The provision for credit losses on loans was $538,000 for the first quarter of 2025. Loan recoveries and charge-offs were $29,000 and $185,000, respectively, for the three months
                ended March 31, 2025. The allowance as a percent of total loans was 0.95% as of March 31, 2025 and 0.94% as of December 31, 2024.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1c15e4041b2743beaeaec3f0678b3e4a">

          <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;">Deposits decreased $17.2 million from December 31, 2024, to $2.36 billion at March 31, 2025. Competitive pressure for deposits remains high.
                Brokered CD&#8217;s have decreased $14.6 million since&#160; December 31, 2024, accounting for most of the change since year end.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2fccc06c99cb4cd598dfd391deb69f4b">

          <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;">Borrowed funds totaled $302.0 million as of March 31, 2025, a $4.3 million increase from December 31, 2024.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze539509840ec4e43a852a97b4c7c2af8">

          <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;">Stockholders&#8217; equity totaled $308.3 million at March 31, 2025, compared to $299.7 million at December 31, 2024, an increase of $8.6 million.
                Excluding accumulated other comprehensive loss (AOCL), stockholders equity increased $5.3 million and totals $328.5 million (non-GAAP). The increase in stockholders equity, excluding AOCL, was attributable to net income for the three months
                ended March 31, 2025 totaling $7.6 million, offset by cash dividends for the first quarter totaling $2.3 million. As a result of decreases in market interest rates impacting the fair value of investment securities and swaps, AOCL decreased
                $3.3 million from December 31, 2024.</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;">Dividend Declared</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">On March 4, 2025, the Board of Directors declared a cash dividend of $0.495 per share, which was paid on March 28, 2025 to shareholders of record at the close
      of business on March 14, 2025. This quarterly cash dividend is an increase of 2.1% 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>
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            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">See reconciliation of GAAP and non-gaap measures at the end of the press release</div>
            </td>
          </tr>

      </table>
    </div>
  </div>
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  </div>
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    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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    <table cellspacing="0" cellpadding="0" border="0" id="ze3349e4d2e5b458491f2c4246751f45e" style="width: 80%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

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          <td style="width: 52.3%; 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: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top;">&#160;</td>
          <td style="width: 31.38%; vertical-align: top;" rowspan="1" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">As of or For The</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top;">&#160;</td>
          <td style="width: 31.38%; vertical-align: top;" colspan="2">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Three Months Ended</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top;">&#160;</td>
          <td style="width: 17.18%; 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: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top;">&#160;</td>
          <td style="width: 17.18%; 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;">2025</div>
          </td>
          <td style="width: 14.2%; 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;">2024</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 7,621</div>
          </td>
          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 7,024</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.00%</div>
          </td>
          <td style="width: 14.2%; 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: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; 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;">10.00%</div>
          </td>
          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">9.95%</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">14.09%</div>
          </td>
          <td style="width: 14.2%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">14.55%</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; 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;">3.30%</div>
          </td>
          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.05%</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 1.60</div>
          </td>
          <td style="width: 14.2%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 1.48</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 1.60</div>
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          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 1.48</div>
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          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 0.495</div>
          </td>
          <td style="width: 14.2%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 0.485</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; 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;4,750,538</div>
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          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4,748,442</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; 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;4,751,943</div>
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          <td style="width: 14.2%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4,748,442</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 17.18%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top;">&#160;</td>
          <td style="width: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 22,081</div>
          </td>
          <td style="width: 14.2%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,598</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; 27,482</div>
          </td>
          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 15,713</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.95%</div>
          </td>
          <td style="width: 14.2%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.96%</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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>
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          <td style="width: 17.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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        <tr>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.12%</div>
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          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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          <td style="width: 52.3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 17.18%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.3%; vertical-align: top;">&#160;</td>
          <td style="width: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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          <td style="width: 52.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 17.18%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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          <td style="width: 17.18%; vertical-align: top;">
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          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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          <td style="width: 52.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 17.18%; 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;$&#160; &#160; &#160; &#160; &#160; 40.70</div>
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          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 49.20</div>
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          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 17.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.3%; vertical-align: top;">&#160;</td>
          <td style="width: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 17.18%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top;">
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          <td style="width: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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 Full Time Equivalent Employees</div>
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          <td style="width: 17.18%; 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;">379.7</div>
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          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">394.1</div>
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          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loan to Deposit Ratio</div>
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          <td style="width: 17.18%; vertical-align: top;">
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          <td style="width: 14.2%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">97.25%</div>
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          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; 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 assets under management</div>
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          <td style="width: 17.18%; 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;$&#160; &#160; &#160; &#160;&#160; 178,007</div>
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          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 173,716</div>
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          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.3%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Brokerage assets under management</div>
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          <td style="width: 17.18%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 397,204</div>
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          <td style="width: 14.2%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 362,408</div>
          </td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 17.18%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top;">&#160;</td>
          <td style="width: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 52.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Balance Sheet Highlights</div>
          </td>
          <td style="width: 17.18%; 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;">March 31,</div>
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          <td style="width: 14.2%; 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: 16.22%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 31,</div>
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        <tr>
          <td style="width: 52.3%; vertical-align: top;">&#160;</td>
          <td style="width: 17.18%; 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;">2025</div>
          </td>
          <td style="width: 14.2%; 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;">2024</div>
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          <td style="width: 16.22%; 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;">2024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 17.18%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 16.22%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <td style="width: 52.3%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Assets</div>
          </td>
          <td style="width: 17.18%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; 3,016,338</div>
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          <td style="width: 14.2%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 3,025,724</div>
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          <td style="width: 16.22%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 2,921,103</div>
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          <td style="width: 52.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities</div>
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          <td style="width: 17.18%; 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;432,438</div>
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          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 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;427,659</div>
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          <td style="width: 16.22%; vertical-align: top; background-color: rgb(204, 238, 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;406,523</div>
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        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans (net of unearned income)</div>
          </td>
          <td style="width: 17.18%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,315,663</div>
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          <td style="width: 14.2%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,313,242</div>
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          <td style="width: 16.22%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,239,659</div>
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        <tr>
          <td style="width: 52.3%; 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: 17.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,081</div>
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          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 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;21,699</div>
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          <td style="width: 16.22%; vertical-align: top; background-color: rgb(204, 238, 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;21,598</div>
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        <tr>
          <td style="width: 52.3%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Deposits</div>
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          <td style="width: 17.18%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,364,854</div>
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          <td style="width: 14.2%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,382,028</div>
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          <td style="width: 16.22%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,302,881</div>
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          <td style="width: 52.3%; 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: 17.18%; 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;308,296</div>
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          <td style="width: 14.2%; vertical-align: top; background-color: rgb(204, 238, 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;299,734</div>
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          <td style="width: 16.22%; vertical-align: top; background-color: rgb(204, 238, 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;282,674</div>
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        <tr>
          <td style="width: 52.3%; vertical-align: top;">&#160;</td>
          <td style="width: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 52.3%; vertical-align: top;">&#160;</td>
          <td style="width: 17.18%; vertical-align: top;">&#160;</td>
          <td style="width: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 83.69%; vertical-align: top;" colspan="3">
            <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 at
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          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 69.48%; vertical-align: top;" colspan="2">
            <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: 14.2%; vertical-align: top;">&#160;</td>
          <td style="width: 16.22%; vertical-align: top;">&#160;</td>
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  <div> <br>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
          </td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 65.21%; 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: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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          <td style="width: 65.21%; 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>
          <td style="width: 10.64%; 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: 65.21%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">
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          <td style="width: 10.64%; vertical-align: top;">
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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;">March 31,</div>
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        <tr>
          <td style="width: 65.21%; vertical-align: top; border-bottom: #000000 2px solid;">
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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; font-weight: bold;">2025</div>
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          <td style="width: 10.64%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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          <td style="width: 12.07%; vertical-align: top; border-bottom: #000000 2px solid;">
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        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">
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          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 65.21%; vertical-align: top;">
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          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 65.21%; 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);">
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          <td style="width: 10.64%; 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);">
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          <td style="width: 65.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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        <tr>
          <td style="width: 65.21%; 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);">
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          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
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        <tr>
          <td style="width: 65.21%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.21%; 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);">
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          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
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        <tr>
          <td style="width: 65.21%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Equity securities</div>
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          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,737</div>
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          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 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;1,747</div>
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          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
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        <tr>
          <td style="width: 65.21%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.21%; 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: 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;430,701</div>
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          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;425,912</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;404,865</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans held for sale</div>
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          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,054</div>
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          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 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;9,607</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;8,346</div>
          </td>
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        <tr>
          <td style="width: 65.21%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          </td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.64%; 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: 65.21%; 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;2,293,582</div>
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          <td style="width: 10.64%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#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;&#160;&#160;&#160;2,218,061</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; 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>
          <td style="width: 10.64%; 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: 65.21%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Premises and equipment</div>
          </td>
          <td style="width: 12.07%; 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;21,627</div>
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          <td style="width: 10.64%; 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;21,395</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;&#160;&#160;21,083</div>
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        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accrued interest receivable</div>
          </td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,918</div>
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          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 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;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;&#160;&#160;&#160;10,596</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Goodwill</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;85,758</div>
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          <td style="width: 10.64%; 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>
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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;&#160;&#160;85,758</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Bank owned life insurance</div>
          </td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;50,578</div>
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          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 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;50,341</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;49,418</div>
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        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other intangibles</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,707</div>
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          <td style="width: 10.64%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,892</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;&#160;&#160;&#160;3,450</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Fair value of derivative instruments - asset</div>
          </td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,120</div>
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          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 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;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;&#160;&#160;&#160;14,857</div>
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        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Deferred tax asset</div>
          </td>
          <td style="width: 12.07%; 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;14,436</div>
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          <td style="width: 10.64%; 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;15,199</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;&#160;&#160;&#160;17,672</div>
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        <tr>
          <td style="width: 65.21%; 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: 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;48,514</div>
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          <td style="width: 10.64%; 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;54,631</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;&#160;&#160;&#160;51,900</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL ASSETS</div>
          </td>
          <td style="width: 12.07%; 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; font-weight: bold;">&#160;$&#160;&#160; 3,016,338</div>
          </td>
          <td style="width: 10.64%; 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;$&#160; 3,025,724</div>
          </td>
          <td style="width: 12.07%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160;&#160; 2,921,103</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">LIABILITIES:</div>
          </td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.64%; 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: 65.21%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Deposits:</div>
          </td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Noninterest-bearing</div>
          </td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; 505,826</div>
          </td>
          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#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; &#160; 523,844</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Interest-bearing</div>
          </td>
          <td style="width: 12.07%; 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;1,859,028</div>
          </td>
          <td style="width: 10.64%; vertical-align: 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;1,849,252</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;&#160;&#160;&#160;1,779,037</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total deposits</div>
          </td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;2,364,854</div>
          </td>
          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;2,382,028</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;&#160;&#160;&#160;2,302,881</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Borrowed funds</div>
          </td>
          <td style="width: 12.07%; 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;302,027</div>
          </td>
          <td style="width: 10.64%; 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;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;&#160;&#160;&#160;283,565</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accrued interest payable</div>
          </td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,143</div>
          </td>
          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 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;4,693</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;&#160;&#160;&#160;4,123</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Fair value of derivative instruments - liability</div>
          </td>
          <td style="width: 12.07%; 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;5,196</div>
          </td>
          <td style="width: 10.64%; 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;5,817</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;&#160;&#160;&#160;8,698</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other liabilities</div>
          </td>
          <td style="width: 12.07%; 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;32,822</div>
          </td>
          <td style="width: 10.64%; 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;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;&#160;&#160;&#160;39,162</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL LIABILITIES</div>
          </td>
          <td style="width: 12.07%; 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;2,708,042</div>
          </td>
          <td style="width: 10.64%; vertical-align: 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;2,725,990</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;&#160;&#160;&#160;2,638,429</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">STOCKHOLDERS' EQUITY:</div>
          </td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.64%; 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: 65.21%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Preferred Stock $1.00 par value; authorized</div>
          </td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;3,000,000 shares; none issued in 2025 or 2024</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; 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>
          </td>
          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 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>
          </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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Common stock</div>
          </td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td colspan="3" style="width: 87.93%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;$1.00 par value; authorized 25,000,000 shares at March 31, 2025, December 31, 2024 and</div>
          </td>
          <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;March 31, 2024: issued 5,207,824 at March 31, 2025 and 5,207,577 at December 31, 2024</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,208</div>
          </td>
          <td style="width: 10.64%; 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;5,208</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;&#160;&#160;&#160;5,161</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; 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;and 5,160,754 at March 31, 2024</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;145,010</div>
          </td>
          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;144,984</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;143,227</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; 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: 12.07%; 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;194,709</div>
          </td>
          <td style="width: 10.64%; 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;189,443</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;177,693</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; 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>
          </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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(20,239)</div>
          </td>
          <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(23,521)</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;(26,620)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Treasury stock, at cost:&#160; 448,152 at March 31, 2025 and 447,965 shares</div>
          </td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          <td style="width: 10.64%; vertical-align: top;">&#160;</td>
          <td style="width: 12.07%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 65.21%; 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, 2024 and 453,763 shares at March 31, 2024</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(16,392)</div>
          </td>
          <td style="width: 10.64%; 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;(16,380)</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;&#160;(16,787)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; 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: 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;308,296</div>
          </td>
          <td style="width: 10.64%; vertical-align: 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;299,734</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;&#160;&#160;&#160;&#160;&#160;&#160;282,674</div>
          </td>
        </tr>
        <tr>
          <td style="width: 65.21%; 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: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.64%; 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>
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          <td style="width: 65.21%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
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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; 3,016,338</div>
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          <td style="width: 10.64%; 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;$&#160; 3,025,724</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160;&#160; 2,921,103</div>
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  <div>
    <table cellspacing="0" cellpadding="0" border="0" style="width: 80%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;" id="z6f610913ccf641e99b267d015e625f14">

        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: top;">&#160;</td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: top;">&#160;</td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: top;">&#160;</td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 67.77%; vertical-align: top;">&#160;</td>
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          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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;">March 31,</div>
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        </tr>
        <tr>
          <td style="width: 67.77%; 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>
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          <td style="width: 16.12%; 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;">2025</div>
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          <td style="width: 16.12%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: top;">&#160;</td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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>
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          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 35,556</div>
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          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 35,133</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest-bearing deposits with banks</div>
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          <td style="width: 16.12%; 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;143</div>
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          <td style="width: 16.12%; 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;243</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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        <tr>
          <td style="width: 67.77%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;Taxable</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;2,339</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;1,624</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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;547</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 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;532</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: 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;429</div>
          </td>
          <td style="width: 16.12%; vertical-align: 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;401</div>
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        </tr>
        <tr>
          <td style="width: 67.77%; 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>
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          <td style="width: 16.12%; 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;39,014</div>
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          <td style="width: 16.12%; 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;37,933</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: top;">&#160;</td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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;12,294</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 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;12,321</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: 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;3,718</div>
          </td>
          <td style="width: 16.12%; vertical-align: 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;4,654</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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>
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          <td style="width: 16.12%; 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;16,012</div>
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          <td style="width: 16.12%; 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;16,975</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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;23,002</div>
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          <td style="width: 16.12%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,958</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision for credit losses</div>
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          <td style="width: 16.12%; 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;625</div>
          </td>
          <td style="width: 16.12%; 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;785</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">NET INTEREST INCOME AFTER</div>
          </td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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;">&#160;&#160;&#160;&#160;PROVISION FOR CREDIT LOSSES</div>
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          <td style="width: 16.12%; 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;22,377</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,173</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top;">
            <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: 16.12%; vertical-align: top;">&#160;</td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Service charges</div>
          </td>
          <td style="width: 16.12%; 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;1,291</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 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;1,372</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Trust</div>
          </td>
          <td style="width: 16.12%; 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;224</div>
          </td>
          <td style="width: 16.12%; 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;244</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Brokerage and insurance</div>
          </td>
          <td style="width: 16.12%; 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;683</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 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;665</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Gains on loans sold</div>
          </td>
          <td style="width: 16.12%; 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;272</div>
          </td>
          <td style="width: 16.12%; 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;417</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Equity security (losses) gains, net</div>
          </td>
          <td style="width: 16.12%; 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;(11)</div>
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          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 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;55</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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;346</div>
          </td>
          <td style="width: 16.12%; 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;668</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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: 16.12%; vertical-align: top; background-color: rgb(204, 238, 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;1,102</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: 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;622</div>
          </td>
          <td style="width: 16.12%; vertical-align: 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;448</div>
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        </tr>
        <tr>
          <td style="width: 67.77%; 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>
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          <td style="width: 16.12%; 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;3,427</div>
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          <td style="width: 16.12%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,971</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: top;">&#160;</td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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;10,289</div>
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          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 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;10,290</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Occupancy</div>
          </td>
          <td style="width: 16.12%; 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>
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          <td style="width: 16.12%; 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;1,324</div>
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        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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;265</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 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;236</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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;517</div>
          </td>
          <td style="width: 16.12%; 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;703</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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;450</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 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;525</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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;319</div>
          </td>
          <td style="width: 16.12%; 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;310</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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;127</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 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;149</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; 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;432</div>
          </td>
          <td style="width: 16.12%; 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;514</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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 real estate owned expenses (recovery)</div>
          </td>
          <td style="width: 16.12%; 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;119</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 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;(13)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,554</div>
          </td>
          <td style="width: 16.12%; vertical-align: 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;2,605</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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 EXPENSES</div>
          </td>
          <td style="width: 16.12%; 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;16,428</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,643</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top;">
            <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: 16.12%; 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;9,376</div>
          </td>
          <td style="width: 16.12%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,501</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision for income tax expense</div>
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          <td style="width: 16.12%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,755</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,477</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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</div>
          </td>
          <td style="width: 16.12%; 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;$&#160; &#160; &#160;&#160; 7,621</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 16.12%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top;">
            <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: 16.12%; vertical-align: top;">&#160;</td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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 - Basic</div>
          </td>
          <td style="width: 16.12%; 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;$&#160; &#160; &#160; &#160;&#160; 1.60</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.48</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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 - Diluted</div>
          </td>
          <td style="width: 16.12%; 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;$&#160; &#160; &#160; &#160;&#160; 1.60</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.48</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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;">Cash Dividends Paid</div>
          </td>
          <td style="width: 16.12%; 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;$&#160; &#160; &#160;&#160; 0.495</div>
          </td>
          <td style="width: 16.12%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 0.485</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; vertical-align: top;">&#160;</td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
          <td style="width: 16.12%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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: 16.12%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,750,538</div>
          </td>
          <td style="width: 16.12%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;4,748,442</div>
          </td>
        </tr>
        <tr>
          <td style="width: 67.77%; 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</div>
          </td>
          <td style="width: 16.12%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,751,943</div>
          </td>
          <td style="width: 16.12%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;4,748,442</div>
          </td>
        </tr>

    </table>
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  <div>
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        <tr>
          <td style="width: 53.06%; 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: 9.39%; vertical-align: top;">&#160;</td>
          <td style="width: 9.4%; vertical-align: top;">&#160;</td>
          <td style="width: 9.39%; vertical-align: top;">&#160;</td>
          <td style="width: 9.39%; vertical-align: top;">&#160;</td>
          <td style="width: 9.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 62.45%; vertical-align: top;" colspan="2">
            <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: 9.4%; vertical-align: top;">&#160;</td>
          <td style="width: 9.39%; vertical-align: top;">&#160;</td>
          <td style="width: 9.39%; vertical-align: top;">&#160;</td>
          <td style="width: 9.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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: 9.39%; vertical-align: top;">&#160;</td>
          <td style="width: 9.4%; vertical-align: top;">&#160;</td>
          <td style="width: 9.39%; vertical-align: top;">&#160;</td>
          <td style="width: 9.39%; vertical-align: top;">&#160;</td>
          <td style="width: 9.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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: 9.39%; vertical-align: top;">&#160;</td>
          <td style="width: 18.78%; vertical-align: top;" colspan="3" rowspan="1">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Three Months Ended,</div>
          </td>
          <td style="width: 9.39%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 53.06%; vertical-align: top;">&#160;</td>
          <td style="width: 9.39%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">March 31,</div>
          </td>
          <td style="width: 9.4%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Dec 31,</div>
          </td>
          <td style="width: 9.39%; 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: 9.39%; 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: 9.39%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 9.39%; 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;">2025</div>
          </td>
          <td style="width: 9.4%; 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: 9.39%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 39,014</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 39,793</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 38,689</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 37,902</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 37,933</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,012</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,920</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,365</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,602</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,975</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;23,002</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,873</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,324</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,300</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,958</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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 (release) for credit losses</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;625</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(200)</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,002</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;785</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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 (release) for credit losses</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,377</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,873</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,524</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,298</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,173</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Non-interest income</div>
          </td>
          <td style="width: 9.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,438</div>
          </td>
          <td style="width: 9.4%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,321</div>
          </td>
          <td style="width: 9.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,596</div>
          </td>
          <td style="width: 9.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,423</div>
          </td>
          <td style="width: 9.39%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,916</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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;">Investment securities (losses) gains , net</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(11)</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;159</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(87)</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;55</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,428</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,668</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,029</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,246</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,643</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,376</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,544</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,250</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,388</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,501</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,755</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,561</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,714</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,113</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,477</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160;&#160; 7,621</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,983</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,536</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 5,275</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; 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>
          </td>
          <td style="width: 9.39%; 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;$&#160; &#160; &#160; &#160;&#160; 1.60</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.68</div>
          </td>
          <td style="width: 9.39%; 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;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.11</div>
          </td>
          <td style="width: 9.39%; 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;$&#160; &#160; &#160; &#160; &#160; 1.48</div>
          </td>
        </tr>
        <tr>
          <td style="width: 53.06%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Earnings Per Share - Diluted</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 1.60</div>
          </td>
          <td style="width: 9.4%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.68</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
          </td>
          <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.11</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.48</div>
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        <tr>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
          </td>
          <td style="width: 9.44%; 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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; 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: 9.44%; 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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 50.13%; vertical-align: top;">&#160;</td>
          <td style="width: 26.61%; vertical-align: top;" colspan="5" rowspan="1">
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          <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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          <td style="width: 50.13%; 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;">2025</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: 8.58%; 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);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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          <td style="width: 50.13%; vertical-align: top;">&#160;</td>
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          <td style="width: 8.59%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Average</div>
          </td>
          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average</div>
          </td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; 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: 50.13%; vertical-align: top;">&#160;</td>
          <td style="width: 9.44%; 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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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Interest</div>
          </td>
          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Rate</div>
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          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Balance (1)</div>
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          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest</div>
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          <td style="width: 6.09%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Rate</div>
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            <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: 8.58%; 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;">$</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">$</div>
          </td>
          <td style="width: 6.09%; 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: 50.13%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Short-term investments:</div>
          </td>
          <td style="width: 9.44%; 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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;23,985</div>
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          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;114</div>
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          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.93</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;29,184</div>
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          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;212</div>
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          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.92</div>
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        </tr>
        <tr>
          <td style="width: 50.13%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest bearing time deposits at banks</div>
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          <td style="width: 9.44%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,820</div>
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          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29</div>
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          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.08</div>
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          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,054</div>
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          <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;&#160;&#160;&#160;&#160;&#160;31</div>
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          <td style="width: 6.09%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.08</div>
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        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; 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: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Taxable</div>
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          <td style="width: 9.44%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;382,640</div>
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          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,768</div>
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          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2.89</div>
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          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;362,963</div>
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          <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;2,025</div>
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          <td style="width: 6.09%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.23</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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>
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          <td style="width: 9.44%; 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;103,015</div>
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          <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;693</div>
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          <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; font-weight: bold;">2.69</div>
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          <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;107,497</div>
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          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;674</div>
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          <td style="width: 6.09%; 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;">2.51</div>
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        </tr>
        <tr>
          <td style="width: 50.13%; 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>
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          <td style="width: 9.44%; 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;485,655</div>
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          <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;3,461</div>
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          <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; font-weight: bold;">2.85</div>
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          <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;470,460</div>
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          <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;&#160;&#160;&#160;&#160;2,699</div>
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          <td style="width: 6.09%; 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;">2.29</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; 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: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; 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;352,194</div>
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          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,099</div>
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          <td style="width: 8.58%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.87</div>
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          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;359,720</div>
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          <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;5,059</div>
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          <td style="width: 6.09%; 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: 50.13%; 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: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;163,440</div>
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          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,922</div>
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          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">7.25</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;189,898</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;&#160;&#160;3,491</div>
          </td>
          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">7.39</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; 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;1,255,129</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;19,426</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; font-weight: bold;">6.28</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;1,236,308</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;19,519</div>
          </td>
          <td style="width: 6.09%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">6.35</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;356,868</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;4,726</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; font-weight: bold;">5.37</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;344,468</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;&#160;&#160;4,405</div>
          </td>
          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.14</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; 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;53,731</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;517</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; font-weight: bold;">3.90</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;56,648</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;&#160;&#160;&#160;550</div>
          </td>
          <td style="width: 6.09%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.90</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; 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;164,774</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;2,968</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; font-weight: bold;">7.31</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;110,140</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,217</div>
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          <td style="width: 6.09%; 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;">8.10</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;2,346,136</div>
          </td>
          <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35,658</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; font-weight: bold;">6.16</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;2,297,182</div>
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          <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;&#160;&#160;35,241</div>
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          <td style="width: 6.09%; 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;">6.17</div>
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        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;2,859,596</div>
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          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;39,262</div>
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          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.57</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;2,800,880</div>
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          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;38,183</div>
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          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.48</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; 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;9,620</div>
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          <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;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,822</div>
          </td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,545</div>
          </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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,289</div>
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          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;175,273</div>
          </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);">&#160;</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;178,841</div>
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          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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        <tr>
          <td style="width: 50.13%; 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>
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          <td style="width: 9.44%; 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;206,438</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: 8.58%; 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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;209,952</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 6.09%; 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: 50.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total assets</div>
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          <td style="width: 9.44%; 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;3,066,034</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: 8.58%; 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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;3,010,832</div>
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          <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; 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: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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: 9.44%; 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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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;Business Interest Checking</div>
          </td>
          <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,640</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;&#160;&#160;40</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.94</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;&#160;&#160;&#160;&#160;&#160;-</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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;NOW accounts</div>
          </td>
          <td style="width: 9.44%; 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;739,808</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;4,054</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.22</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;799,968</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;5,223</div>
          </td>
          <td style="width: 6.09%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.63</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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;Savings accounts</div>
          </td>
          <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;292,981</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;348</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.48</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;302,091</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;&#160;&#160;&#160;&#160;&#160;387</div>
          </td>
          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.52</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; vertical-align: top;">
            <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: 9.44%; 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;417,907</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;3,025</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.94</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;381,042</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;2,793</div>
          </td>
          <td style="width: 6.09%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.95</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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;Certificates of deposit</div>
          </td>
          <td style="width: 9.44%; 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;507,944</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;4,827</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3.85</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;422,420</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,918</div>
          </td>
          <td style="width: 6.09%; 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;3.73</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total interest-bearing deposits</div>
          </td>
          <td style="width: 9.44%; 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;1,976,280</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;12,294</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.52</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;1,905,521</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;12,321</div>
          </td>
          <td style="width: 6.09%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.60</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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 borrowed funds</div>
          </td>
          <td style="width: 9.44%; 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;346,416</div>
          </td>
          <td style="width: 8.59%; 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;3,718</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.35</div>
          </td>
          <td style="width: 8.59%; 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;375,972</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,654</div>
          </td>
          <td style="width: 6.09%; 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;4.98</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; vertical-align: top;">
            <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: 9.44%; 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;2,322,696</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;16,012</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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.80</div>
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          <td style="width: 8.59%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,281,493</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;16,975</div>
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          <td style="width: 6.09%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.99</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Demand deposits</div>
          </td>
          <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;371,893</div>
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          <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 8.58%; 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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;370,951</div>
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          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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 liabilities</div>
          </td>
          <td style="width: 9.44%; 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;43,493</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: 8.58%; 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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;49,488</div>
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          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total non-interest-bearing liabilities</div>
          </td>
          <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;415,386</div>
          </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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;420,439</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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;">Stockholders' equity</div>
          </td>
          <td style="width: 9.44%; 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;327,952</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: 8.58%; 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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;308,900</div>
          </td>
          <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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 liabilities &amp; stockholders' equity</div>
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          <td style="width: 9.44%; 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; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;3,066,034</div>
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          <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          <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;3,010,832</div>
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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: 6.09%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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 interest income</div>
          </td>
          <td style="width: 9.44%; 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);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;23,250</div>
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          <td style="width: 8.58%; 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;&#160;&#160;&#160;&#160;&#160;&#160;21,208</div>
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          <td style="width: 6.09%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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 spread (5)</div>
          </td>
          <td style="width: 9.44%; 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; font-weight: bold;">2.77%</div>
          </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: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.49%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.13%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net interest income as a percentage</div>
          </td>
          <td style="width: 9.44%; 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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50.13%; 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;of average interest-earning assets</div>
          </td>
          <td style="width: 9.44%; 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; font-weight: bold;">3.30%</div>
          </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: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.05%</div>
          </td>
        </tr>
        <tr>
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          <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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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          <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 50.13%; vertical-align: top;">&#160;</td>
          <td style="width: 9.44%; 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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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          <td style="width: 9.44%; 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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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          <td style="width: 50.13%; vertical-align: top;">
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          <td style="width: 9.44%; 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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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          <td style="width: 76.73%; 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: 8.59%; vertical-align: top;">&#160;</td>
          <td style="width: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; 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 2025 and 2024. 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: 9.44%; 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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; 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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; 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: 9.44%; 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: 8.58%; vertical-align: top;">&#160;</td>
          <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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        <tr>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
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          <td style="width: 12.05%; vertical-align: top;">&#160;</td>
          <td style="width: 10.85%; vertical-align: top;">&#160;</td>
          <td style="width: 10.47%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="6">
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        </tr>
        <tr>
          <td style="width: 45.98%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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          <td style="width: 12.05%; vertical-align: top;">&#160;</td>
          <td style="width: 10.85%; vertical-align: top;">&#160;</td>
          <td style="width: 10.47%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(Excludes Loans Held for Sale)</div>
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          <td style="width: 12.05%; vertical-align: top;">&#160;</td>
          <td style="width: 10.85%; vertical-align: top;">&#160;</td>
          <td style="width: 10.47%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
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          <td style="width: 12.05%; vertical-align: top;">&#160;</td>
          <td style="width: 10.85%; vertical-align: top;">&#160;</td>
          <td style="width: 10.47%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
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          <td style="width: 45.98%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30,</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
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          <td style="width: 10.32%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 31,</div>
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        <tr>
          <td style="width: 45.98%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 12.05%; 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;">2025</div>
          </td>
          <td style="width: 10.85%; 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: 10.47%; 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: 10.32%; 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: 10.32%; 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>
        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; vertical-align: top;">&#160;</td>
          <td style="width: 10.85%; vertical-align: top;">&#160;</td>
          <td style="width: 10.47%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Residential</div>
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          <td style="width: 12.05%; 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;$&#160; &#160; &#160; &#160;&#160; 350,221</div>
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          <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 351,398</div>
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          <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160;&#160; 353,254</div>
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          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 354,588</div>
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          <td style="width: 10.32%; vertical-align: top; background-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>
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        <tr>
          <td style="width: 45.98%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Commercial</div>
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          <td style="width: 12.05%; 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;1,117,240</div>
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          <td style="width: 10.85%; 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;1,121,435</div>
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          <td style="width: 10.47%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,110,548</div>
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          <td style="width: 10.32%; 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>
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          <td style="width: 10.32%; 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>
        </tr>
        <tr>
          <td style="width: 45.98%; 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>
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          <td style="width: 12.05%; 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;329,985</div>
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          <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 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;327,722</div>
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          <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 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;331,734</div>
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          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 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;327,057</div>
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          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 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>
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        <tr>
          <td style="width: 45.98%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Construction</div>
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          <td style="width: 12.05%; 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;168,896</div>
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          <td style="width: 10.85%; 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;164,326</div>
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          <td style="width: 10.47%; 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;178,706</div>
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          <td style="width: 10.32%; 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;180,157</div>
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          <td style="width: 10.32%; 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>
        </tr>
        <tr>
          <td style="width: 45.98%; 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>
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          <td style="width: 12.05%; 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;129,943</div>
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          <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 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;133,207</div>
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          <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 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;143,064</div>
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          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 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;70,542</div>
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          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 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>
        </tr>
        <tr>
          <td style="width: 45.98%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other commercial loans</div>
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          <td style="width: 12.05%; 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;137,529</div>
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          <td style="width: 10.85%; 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;131,310</div>
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          <td style="width: 10.47%; 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;134,285</div>
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          <td style="width: 10.32%; 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;130,851</div>
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          <td style="width: 10.32%; 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>
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        <tr>
          <td style="width: 45.98%; 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: 12.05%; 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;28,488</div>
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          <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 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;29,662</div>
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          <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 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;24,537</div>
          </td>
          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;26,247</div>
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          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 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>
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        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; vertical-align: 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;53,361</div>
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          <td style="width: 10.85%; vertical-align: 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;54,182</div>
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          <td style="width: 10.47%; vertical-align: 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;54,874</div>
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          <td style="width: 10.32%; vertical-align: 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;56,005</div>
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          <td style="width: 10.32%; vertical-align: 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>
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        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; 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;2,315,663</div>
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          <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,313,242</div>
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          <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,331,002</div>
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          <td style="width: 10.32%; vertical-align: top; background-color: rgb(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>
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          <td style="width: 10.32%; vertical-align: top; background-color: rgb(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>
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        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,081</div>
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          <td style="width: 10.85%; vertical-align: 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;21,699</div>
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          <td style="width: 10.47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,695</div>
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          <td style="width: 10.32%; vertical-align: 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;22,797</div>
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          <td style="width: 10.32%; vertical-align: 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>
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        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; 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; 2,293,582</div>
          </td>
          <td style="width: 10.85%; 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;$&#160; &#160; 2,291,543</div>
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          <td style="width: 10.47%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 2,309,307</div>
          </td>
          <td style="width: 10.32%; 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;$&#160;&#160; 2,232,919</div>
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          <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 2,218,061</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.98%; vertical-align: top;">&#160;</td>
          <td style="width: 12.05%; vertical-align: top;">&#160;</td>
          <td style="width: 10.85%; vertical-align: top;">&#160;</td>
          <td style="width: 10.47%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.98%; vertical-align: top;">&#160;</td>
          <td style="width: 12.05%; vertical-align: top;">&#160;</td>
          <td style="width: 10.85%; vertical-align: top;">&#160;</td>
          <td style="width: 10.47%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; 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;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 9,632</div>
          </td>
          <td style="width: 10.85%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 8,015</div>
          </td>
          <td style="width: 10.47%; 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;$&#160; &#160; &#160; &#160; &#160;&#160; 7,423</div>
          </td>
          <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 20,652</div>
          </td>
          <td style="width: 10.32%; 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;$&#160; &#160; &#160; &#160; &#160; 6,311</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.98%; vertical-align: top;">&#160;</td>
          <td style="width: 12.05%; vertical-align: top;">&#160;</td>
          <td style="width: 10.85%; vertical-align: top;">&#160;</td>
          <td style="width: 10.47%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Non-accrual loans</div>
          </td>
          <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 23,545</div>
          </td>
          <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 25,701</div>
          </td>
          <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 20,858</div>
          </td>
          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 14,949</div>
          </td>
          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 14,693</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; vertical-align: 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;1,393</div>
          </td>
          <td style="width: 10.85%; vertical-align: 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;276</div>
          </td>
          <td style="width: 10.47%; vertical-align: 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;701</div>
          </td>
          <td style="width: 10.32%; vertical-align: 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: 10.32%; vertical-align: 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>
        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; 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;$&#160; &#160; &#160; &#160; &#160;&#160; 24,938</div>
          </td>
          <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 25,977</div>
          </td>
          <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 21,559</div>
          </td>
          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 15,234</div>
          </td>
          <td style="width: 10.32%; vertical-align: top; background-color: 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>
        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; vertical-align: 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;2,544</div>
          </td>
          <td style="width: 10.85%; vertical-align: 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;2,635</div>
          </td>
          <td style="width: 10.47%; vertical-align: 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;2,486</div>
          </td>
          <td style="width: 10.32%; vertical-align: 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;2,690</div>
          </td>
          <td style="width: 10.32%; vertical-align: 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>
        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; 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; 27,482</div>
          </td>
          <td style="width: 10.85%; 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;$&#160; &#160; &#160; &#160; &#160; 28,612</div>
          </td>
          <td style="width: 10.47%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 24,045</div>
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          <td style="width: 10.32%; 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;$&#160; &#160; &#160; &#160; 17,924</div>
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          <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 15,713</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.98%; vertical-align: top;">&#160;</td>
          <td style="width: 12.05%; vertical-align: top;">&#160;</td>
          <td style="width: 10.85%; vertical-align: top;">&#160;</td>
          <td style="width: 10.47%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.98%; vertical-align: top;">&#160;</td>
          <td style="width: 12.05%; vertical-align: top;">&#160;</td>
          <td style="width: 10.85%; vertical-align: top;">&#160;</td>
          <td style="width: 10.47%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          <td style="width: 10.32%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 22.9%; 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: 45.98%; 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: 12.05%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">March 31,</div>
          </td>
          <td style="width: 10.85%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
          </td>
          <td style="width: 10.47%; 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: 10.32%; 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: 10.32%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; 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;">2025</div>
          </td>
          <td style="width: 10.85%; 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: 10.47%; 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: 10.32%; 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: 10.32%; 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>
        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 21,699</div>
          </td>
          <td style="width: 10.85%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 21,695</div>
          </td>
          <td style="width: 10.47%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 22,797</div>
          </td>
          <td style="width: 10.32%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,598</div>
          </td>
          <td style="width: 10.32%; 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>
        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; 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;(185)</div>
          </td>
          <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 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;(105)</div>
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          <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,212)</div>
          </td>
          <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 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: 10.32%; vertical-align: top; background-color: rgb(204, 238, 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>
        </tr>
        <tr>
          <td style="width: 45.98%; 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: 12.05%; vertical-align: 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;29</div>
          </td>
          <td style="width: 10.85%; vertical-align: 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;19</div>
          </td>
          <td style="width: 10.47%; vertical-align: 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;10</div>
          </td>
          <td style="width: 10.32%; vertical-align: 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: 10.32%; vertical-align: 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>
        </tr>
        <tr>
          <td style="width: 45.98%; 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</div>
          </td>
          <td style="width: 12.05%; 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;(156)</div>
          </td>
          <td style="width: 10.85%; 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;(86)</div>
          </td>
          <td style="width: 10.47%; 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;(1,202)</div>
          </td>
          <td style="width: 10.32%; 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;(675)</div>
          </td>
          <td style="width: 10.32%; 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;(667)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.98%; 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>
          </td>
          <td style="width: 12.05%; vertical-align: 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;538</div>
          </td>
          <td style="width: 10.85%; vertical-align: 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;90</div>
          </td>
          <td style="width: 10.47%; vertical-align: 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;100</div>
          </td>
          <td style="width: 10.32%; vertical-align: 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;1,874</div>
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          <td style="width: 10.32%; vertical-align: 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;1,112</div>
          </td>
        </tr>
        <tr>
          <td style="width: 45.98%; 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>
          </td>
          <td style="width: 12.05%; 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; 22,081</div>
          </td>
          <td style="width: 10.85%; 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;$&#160; &#160; &#160; &#160; &#160; 21,699</div>
          </td>
          <td style="width: 10.47%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 21,695</div>
          </td>
          <td style="width: 10.32%; 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;$&#160; &#160; &#160; &#160; 22,797</div>
          </td>
          <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,598</div>
          </td>
        </tr>

    </table>
  </div>
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  </div>
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  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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    <table cellspacing="0" cellpadding="0" border="0" id="z5d693830ef3f4e83aa426570a7eb312b" style="width: 80%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">
            <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>
          </td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td colspan="2" rowspan="1" style="width: 13.11%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">As of</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td colspan="2" rowspan="1" style="width: 13.11%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 31</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; 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;">2025</div>
          </td>
          <td style="width: 13.11%; 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>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Stockholders Equity - GAAP</div>
          </td>
          <td style="width: 13.11%; 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;$&#160; &#160; &#160; &#160;&#160; 308,296</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 282,674</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Intangible Assets</div>
          </td>
          <td style="width: 13.11%; vertical-align: 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;(88,465)</div>
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          <td style="width: 13.11%; vertical-align: 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;(89,208)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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>
          </td>
          <td style="width: 13.11%; 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;219,831</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 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;193,466</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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>
          </td>
          <td style="width: 13.11%; vertical-align: 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;4,759,672</div>
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          <td style="width: 13.11%; vertical-align: 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;4,753,582</div>
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        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 46.19</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 40.70</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">As of</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; 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;">March 31</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; 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;">2025</div>
          </td>
          <td style="width: 13.11%; 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>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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>
          </td>
          <td style="width: 13.11%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 64.78</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 59.47</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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>
          </td>
          <td style="width: 13.11%; vertical-align: 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;(18.59)</div>
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          <td style="width: 13.11%; vertical-align: 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;(18.77)</div>
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        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 46.19</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 40.70</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 26.21%; 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>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td colspan="2" rowspan="1" style="width: 13.11%; 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;">March 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; 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;">2025</div>
          </td>
          <td style="width: 13.11%; 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;">2024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 86.89%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="2">
            <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: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; 3,042,963</div>
          </td>
          <td style="width: 13.11%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 2,984,407</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;(23,071)</div>
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          <td style="width: 13.11%; 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;(26,416)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: 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;3,066,034</div>
          </td>
          <td style="width: 13.11%; vertical-align: 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;3,010,823</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 7,621</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;">1.00%</div>
          </td>
          <td style="width: 13.11%; 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;">0.94%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;">0.99%</div>
          </td>
          <td style="width: 13.11%; 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;">0.93%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 26.21%; 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>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td colspan="2" rowspan="1" style="width: 13.11%; 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;">March 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; 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;">2025</div>
          </td>
          <td style="width: 13.11%; 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>
        </tr>
        <tr>
          <td style="width: 86.89%; vertical-align: top;" colspan="2">
            <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: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;$&#160; &#160; &#160; &#160;&#160; 304,881</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 282,484</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: 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;(23,071)</div>
          </td>
          <td style="width: 13.11%; vertical-align: 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;(26,416)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;327,952</div>
          </td>
          <td style="width: 13.11%; 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;308,900</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 7,621</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;">10.00%</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">9.95%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;">9.30%</div>
          </td>
          <td style="width: 13.11%; 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;">9.10%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 26.21%; 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>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td colspan="2" rowspan="1" style="width: 13.11%; 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;">March 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; 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;">2025</div>
          </td>
          <td style="width: 13.11%; 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;">2024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 304,881</div>
          </td>
          <td style="width: 13.11%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 282,484</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;(88,570)</div>
          </td>
          <td style="width: 13.11%; 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;(89,321)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: 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;216,311</div>
          </td>
          <td style="width: 13.11%; vertical-align: 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;193,163</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 7,621</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;">14.09%</div>
          </td>
          <td style="width: 13.11%; 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;">14.55%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 26.21%; 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>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td colspan="2" rowspan="1" style="width: 13.11%; 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;">March 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; 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;">2025</div>
          </td>
          <td style="width: 13.11%; 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;">2024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Return on Average Assets and Equity Excluding sale of Braavo assets, net of legal fees, provision associated with Braavo loans
              remaining after sale&#160; </div>
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">and&#160; merger and acquisition costs</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 7,621</div>
          </td>
          <td style="width: 13.11%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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: 13.11%; vertical-align: top; background-color: rgb(204, 238, 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;(712)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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: 13.11%; 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;529</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 7,621</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 6,841</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Assets</div>
          </td>
          <td style="width: 13.11%; 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;3,042,963</div>
          </td>
          <td style="width: 13.11%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,984,407</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;"> <br>
            </div>
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.00%</div>
          </td>
          <td style="width: 13.11%; 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;"> <br>
            </div>
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.92%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;$&#160; &#160; &#160; &#160;&#160; 304,881</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 282,484</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;"> <br>
            </div>
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">10.00%</div>
          </td>
          <td style="width: 13.11%; 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;"> <br>
            </div>
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">9.69%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; vertical-align: 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;216,311</div>
          </td>
          <td style="width: 13.11%; vertical-align: 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;193,163</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;"> <br>
            </div>
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">14.09%</div>
          </td>
          <td style="width: 13.11%; 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;"> <br>
            </div>
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">14.17%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 26.21%; 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>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td colspan="2" rowspan="1" style="width: 13.11%; 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;">March 31,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; 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;">2025</div>
          </td>
          <td style="width: 13.11%; 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>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="3">
            <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: 73.79%; 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: 13.11%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 7,621</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,024</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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: 13.11%; 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;(712)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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 provisision associatated with Braavo loans remaining after sale</div>
          </td>
          <td style="width: 13.11%; 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: 13.11%; 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;529</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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: 13.11%; 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;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 7,621</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 6,841</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; 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;">Number of shares used in computation - basic</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,750,538</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,748,442</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Basic and Diluted earnings per share, 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: 13.11%; 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;"> <br>
            </div>
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 1.60</div>
          </td>
          <td style="width: 13.11%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;"> <br>
            </div>
            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1.44</div>
          </td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 13.11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
          <td style="width: 13.11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 26.21%; 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>
        </tr>
        <tr>
          <td style="width: 73.79%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Tax equivalent adjustment</div>
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            <div style="text-align: right; 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;248</div>
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            <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;250</div>
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    <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>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3" xlink:title="label: EntityAddressAddressLine3 to dei_EntityAddressAddressLine3" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
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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>
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    <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" />
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    <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" />
    <link:label xlink:type="resource" xlink:label="dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_Security12bTitle" xml:lang="en-US" id="dei_Security12bTitle">Title of 12(b) Security</link:label>
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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-20250331_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 25.3.1.5296 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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    <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:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityFileNumber" xlink:title="presentation: CoverAbstract to EntityFileNumber" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
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    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine1" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine1" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
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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" />
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    <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:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressCountry" xlink:title="presentation: CoverAbstract to EntityAddressCountry" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
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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:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="CityAreaCode" xlink:title="presentation: CoverAbstract to CityAreaCode" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="LocalPhoneNumber" xlink:title="presentation: CoverAbstract to LocalPhoneNumber" order="18.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="Security12bTitle" xlink:title="presentation: CoverAbstract to Security12bTitle" order="19.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <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:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="TradingSymbol" xlink:title="presentation: CoverAbstract to TradingSymbol" order="20.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="NoTradingSymbolFlag" xlink:title="presentation: CoverAbstract to NoTradingSymbolFlag" order="21.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <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:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SecurityExchangeName" xlink:title="presentation: CoverAbstract to SecurityExchangeName" order="22.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <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:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityEmergingGrowthCompany" xlink:title="presentation: CoverAbstract to EntityEmergingGrowthCompany" order="23.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <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:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="WrittenCommunications" xlink:title="presentation: CoverAbstract to WrittenCommunications" order="24.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <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:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SolicitingMaterial" xlink:title="presentation: CoverAbstract to SolicitingMaterial" order="25.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <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:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementTenderOffer" order="26.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <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:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementIssuerTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementIssuerTenderOffer" order="27.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
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</head>
<body>
<span style="display: none;">v3.25.1</span><table class="report" border="0" cellspacing="2" id="id2">
<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>Mar. 31, 2025</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">Mar. 31,  2025<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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
</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>
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