<SEC-DOCUMENT>0001171843-18-007075.txt : 20181018
<SEC-HEADER>0001171843-18-007075.hdr.sgml : 20181018
<ACCEPTANCE-DATETIME>20181018170811
ACCESSION NUMBER:		0001171843-18-007075
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20181018
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20181018
DATE AS OF CHANGE:		20181018

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CHEMUNG FINANCIAL CORP
		CENTRAL INDEX KEY:			0000763563
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				161237038
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-35741
		FILM NUMBER:		181128859

	BUSINESS ADDRESS:	
		STREET 1:		ONE CHEMUNG CANAL PLZ
		STREET 2:		P O BOX 1522
		CITY:			ELMIRA
		STATE:			NY
		ZIP:			14902
		BUSINESS PHONE:		6077373711

	MAIL ADDRESS:	
		STREET 1:		ONE CHEMUNG CANAL PLZ
		STREET 2:		P O BOX 1522
		CITY:			ELMIRA
		STATE:			NY
		ZIP:			14902
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_101818.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<html><head><title></title></head><body><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div></div><p style="text-align: center;"><font style="font-size: 14pt;"><strong>UNITED STATES</strong><br /><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br /><strong>Washington, D.C. 20549</strong><br />_____________________</font></p><p style="text-transform: uppercase; text-align: center;"><font style="font-size: 14pt;"><strong>Form 8-K</strong><br />_____________________</font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>CURRENT REPORT</strong></font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></font></p><p align="center"><font style="font-size: 10pt;">Date of Report (Date of earliest event Reported): <!--October 18, 2018-->October 18, 2018  (October 18, 2018) &#160;</font></p><p align="center"><font style="font-size: 12pt;"><strong>CHEMUNG FINANCIAL CORPORATION</strong></font><br /><font style="font-size: 10pt;">(Exact Name of Registrant as Specified in Charter)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;"><strong>New York</strong></font></td><td align="center" width="34%"><font style="font-size: 10pt;"><strong>0-13888</strong></font></td><td align="center" width="33%"><font style="font-size: 10pt;"><strong>16-1237038</strong></font></td></tr><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</font></td><td align="center" width="34%"><font style="font-size: 10pt;">(Commission File Number)</font></td><td align="center" width="33%"><font style="font-size: 10pt;">(I.R.S. Employer Identification Number)</font></td></tr></table><p><font style="font-size: 10pt;">&#160;</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="bottom"><td align="center" width="50%"><font style="font-size: 10pt;"><strong>One Chemung Canal Plaza, Elmira, NY 14901</strong><!----></font></td></tr><tr valign="top"><td align="center" width="50%"><font style="font-size: 10pt;">(Address of Principal Executive Offices) (Zip Code)</font></td></tr></table><p align="center"><font style="font-size: 10pt;"><strong>(607) 737-3711</strong><br />(Registrant's telephone number, including area code)</font></p><p align="center"><font style="font-size: 10pt;"><strong></strong><br />(Former name or former address, if changed since last report)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td colspan="3"><font style="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:<br /><br /></font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></td></tr></table><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR &sect;230.405) or Rule&#160;12b-2&#160;of the Securities Exchange Act of 1934 (17 CFR&#160;&sect;240.12b-2).&#160;Emerging growth company [&#160;&#160; ]</p><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">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. [&#160;&#160; ]</p><div style="margin-top: 12pt; margin-bottom: 3pt;"><div style="font-size: 1pt; border-top: Black 1.1pt solid; border-bottom: Black 2.5pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div>&#160;</div><hr style="page-break-after: always;" noshade="noshade" /><p><font style="font-size: 10pt;">  <strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 2.02. Results of Operations and Financial Condition.</strong></font></p><p><font style="font-size: 10pt;">
 <p>On October 18, 2018, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and nine month periods ended September 30, 2018.</p>  <p>A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.</p> </font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></font></p><p><font style="font-size: 10pt;">
 <p align="justify" style="margin-left:0in; margin-right:0in;"><font style="font-size:10pt;">(d) Exhibits</font></p>  <p align="justify" style="margin-left:0in; margin-right:0in;"><u><font style="font-size:10pt;">Exhibit No.</font></u></p>  <p align="justify" style="margin-left:0in; margin-right:0in;">&#160; &#160;<font><a href="exh_991.htm" rel="nofollow">99.1</a></font>&#160; &#160; &#160; &#160; &#160;&#160;<font><a href="exh_991.htm" rel="nofollow">Press Release of Chemung Financial Corporation dated October 18, 2018.</a></font></p> </font></p><p><font style="font-size: 10pt;"></font></p><p><font style="font-size: 10pt;"></font></p><hr style="page-break-after: always;" noshade="noshade" /><p align="center"><font style="font-size: 10pt;"><strong>SIGNATURE</strong></font></p><p><font style="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.</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%"><font style="font-size: 10pt;">&#160;</font></td><td style="font-size: 12pt;" colspan="2" valign="top"><font style="font-size: 10pt;"><strong>CHEMUNG FINANCIAL CORPORATION</strong></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">Date: October 18, 2018</font></td><td width="2%"><font style="font-size: 10pt;">By:&#160;</font></td><td style="text-decoration: underline;" width="49%"><font style="font-size: 10pt;">/s/ Karl F. Krebs&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">Karl F. Krebs</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">Executive Vice President, Chief Financial Officer and Treasurer</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr></table><p /></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252" ><meta name="GENERATOR" content="MSHTML 8.00.7601.18094" ></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>Chemung Financial Corporation Reports Third Quarter 2018 Net Income of $6.9 Million, or $1.43 per Share</strong></p><p style="text-align: center;" ></p><p>
 <p align="justify">ELMIRA, N.Y., Oct.  18, 2018  (GLOBE NEWSWIRE) -- Chemung Financial Corporation (the &#8220;Corporation&#8221;) (Nasdaq: CHMG), the parent company of Chemung Canal Trust Company (the &#8220;Bank&#8221;), today reported net income for the third quarter of 2018 of $6.9 million, or $1.43 per share, compared to $3.7 million, or $0.76 per share, for the third quarter of 2017.<br ></p>  <p align="justify">Anders M. Tomson, Chemung Financial Corporation CEO, stated:</p>  <p align="justify">&#8220;Third quarter results were indicative of our commitment to deliver consistent, strong core earnings, while managing the quality and composition of our balance sheet. During the quarter, we slowed loan growth in our indirect auto book and introduced competitive CD offerings in support of maintaining our focus on managing liquidity in a very competitive deposit environment. Our efforts are paying off. We ended the quarter in a strong liquidity position and with earnings of $6.9 million that drove an increase in retained earnings of $5.7 million and also strengthened capital ratios.&#160; During the quarter we seized the opportunity to sell off our position in Visa B shares which have recently become more liquid and increased in value, realizing a pre-tax gain of $2.1 million. Our experienced team remains focused on our strong community bank culture while being ever mindful of delivering strong performance to our shareholders.&#8221;</p>  <p align="justify"><strong>Third Quarter Highlights</strong><sup>1</sup></p>  <ul><li>Net interest income increased $0.3 million, or 2.1%<br >&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</li><li>Non-interest income increased $2.2 million, or 42.9%<br >&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</li><li>Effective tax rate decreased from 31.9% to 20.6%<br ><br ></li><li>Loans, net of deferred fees, increased $8.8 million, or 0.7%<br ><br ></li><li>Commercial loans increased $14.6 million, or 1.7%<br ><br ></li><li>Deposits increased $108.6 million, or 7.4%<br ><br ></li><li>Dividends declared during the third quarter of 2018 were $0.26 per share<br ></li></ul>  <p align="justify">A more detailed summary of financial performance follows.</p>  <p align="justify"><sup>1 </sup>Balance sheet comparisons are calculated for September 30, 2018 versus December 31, 2017.&#160; Income statement comparisons are calculated for the third quarter of 2018 versus the third quarter of 2017.</p>  <p align="justify"><strong><u>3rd Quarter 2018 vs 3rd Quarter 2017</u></strong></p>  <p align="justify"><strong>Net Interest Income: </strong></p>  <p align="justify">Net interest income for the current quarter totaled $15.1 million compared with $14.8 million for the same period in the prior year, an increase of $0.3 million, or 2.1%.&#160; Interest and fees from loans increased $0.9 million, while interest from investments, including interest-earning deposits, decreased $0.2 million in the third quarter of 2018 as compared to the same period in the prior year.&#160; Interest expense on deposits increased $0.3 million and interest expense on borrowed funds increased $0.1 million, while interest expense on securities sold under agreements to repurchase decreased $0.1 million in the third quarter of 2018 when compared to the same period in the prior year.&#160; Fully taxable equivalent net interest margin was 3.71% in the third quarter of 2018, compared with 3.68% for the same period in the prior year.&#160; Average interest-earning assets increased $9.3 million in the third quarter of 2018, compared to the same period in the prior year.&#160; The average yield on interest-earning assets increased ten basis points, while the average cost of interest-bearing liabilities increased twelve basis points in the third quarter of 2018, compared to the same period in the prior year.&#160; The increase in interest and dividend income for the current quarter can be mostly attributed to a $62.0 million increase in the average balance of commercial loans, primarily commercial real estate, along with a six basis points increase in the average yield on commercial loans, and a $16.0 million increase in the average balance of consumer loans, compared to the same period in the prior year.&#160; The increase in interest expense for the current quarter can be mostly attributed to an increase in interest rates on interest-bearing deposit accounts, including promotional interest rates on time deposits, and a $7.8 million increase in the average balance of FHLB advances and securities sold under agreements to repurchase.</p>  <p align="justify"><strong>Non-Interest Income: </strong></p>  <p align="justify">Non-interest income for the current quarter was $7.4 million compared with $5.2 million for the same period in the prior year, an increase of $2.2 million, or 42.9%.&#160; The increase was due primarily to increases of $2.1 million in net gains on securities transactions and $0.3 million in Wealth Management Group fee income.&#160; The increase in net gains on securities was attributed to the sale of Visa Class B shares.&#160; The increase in Wealth Management Group fee income can be attributed to an increase in the market value of assets under management or administration.</p>  <p align="justify"><strong>Non-Interest Expense: </strong></p>  <p align="justify">Non-interest expense for the current quarter was $13.4 million compared with $13.3 million for the same period in the prior year, an increase of $0.1 million, or 1.1%.&#160; The increase was due primarily to increases of $0.2 million in salaries and wages, $0.2 million in net occupancy, and $0.1 million in data processing, which was offset by decreases of $0.1 million in pension and other employee benefits, $0.1 million in other components of net periodic pension and post retirement benefits, and $0.3 million in other non-interest expenses.&#160; The increase in salaries and wages can be attributed to annual merit increases and an increase in headcount with two <em>denovo </em>branches which opened in 2018.&#160; One branch opened in January 2018 in Schenectady, New York and the other branch opened in May 2018 in Wilton, New York.&#160; The increases in net occupancy and data processing expenses can also be attributed to the two new branches, along with the timing of various projects.&#160; The decrease in pension and other employee benefits can be attributed to declines in healthcare and pension costs in the current quarter, when compared to the same period in the prior year.&#160;</p>  <p align="justify"><strong>Income Tax Expense: </strong></p>  <p align="justify">Income tax expense for the current quarter was $1.8 million compared with $1.7 million for the same period in the prior year, an increase of $0.1 million, or 5.4%.&#160; The Corporation recognized a $3.4 million increase in income before income tax expense for the quarter, when compared to the same period in the prior year.&#160; Although income tax expense increased in the current quarter, when compared to the same period in the prior year, the effective tax rate decreased from 31.9% to 20.6%.&#160; The decrease was due primarily to the decline in the Federal income tax rate from 34% to 21%, with the enactment of the Tax Cuts and Jobs Act of 2017.&#160; Additionally, the Corporation increased income generated from CCTC Funding Corp., a real estate investment trust subsidiary of the Bank, reducing the Corporation&#8217;s state income tax.</p>  <p align="justify"><strong><u>3rd Quarter 2018 vs 2nd Quarter 2018</u></strong></p>  <p align="justify"><strong>Net Interest Income: </strong></p>  <p align="justify">Net interest income for the current quarter totaled $15.1 million compared with $15.0 million for the prior quarter, an increase of $0.1 million, or 0.4%.&#160; Interest and fees from loans increased $0.3 million, while interest from investments, including interest-earning deposits, remained level with the prior quarter.&#160; Interest expense on deposits increased $0.3 million, while interest expense on securities sold under agreements to repurchase decreased slightly and interest expense on borrowed funds remained level in the third quarter of 2018 when compared to prior quarter.&#160; Fully taxable equivalent net interest margin was 3.71% in the third quarter of 2018, compared with 3.73% for the prior quarter.&#160; Average interest-earning assets decreased $0.5 million in the third quarter of 2018, compared to the prior quarter.&#160; The average yield on interest-earning assets increased two basis points, while the average cost of interest-bearing liabilities increased seven basis points in the third quarter of 2018, compared to the prior quarter.&#160; The increase in interest and dividend income for the current quarter can be mostly attributed to a $1.7 million increase in the average balance of total loans, along with a three basis points increase in the average yield on total loans, and an $11.6 million increase in the average balance of interest-earning deposits, along with a 112 basis points increase in the average yield on interest-earning deposits, compared to the prior quarter.&#160; These items were partially offset by a $13.8 million decrease in the average balance of investment securities, compared to the prior quarter.&#160; The increase in the average balance of total loans was due to a $6.4 million increase in the average balance of commercial loans, partially offset by decreases of $2.7 million in the average balance of residential mortgage loans and $2.0 million in the average balance of consumer loans.&#160; The increase in interest expense for the current quarter can be mostly attributed to an increase in interest rates on interest-bearing deposit accounts, including promotional interest rates on time deposits, partially offset by a decrease of $7.3 million in the average balance of securities sold under agreements to repurchase and borrowed funds.</p>  <p align="justify"><strong>Non-Interest Income: </strong></p>  <p align="justify">Non-interest income for the current quarter was $7.4 million compared with $5.3 million for the prior quarter, an increase of $2.1 million, or 38.6%.&#160; The increase was primarily due to a $2.1 million increase in net gains on securities transactions, resulting from the sale of Visa Class B shares during the third quarter of 2018.&#160;</p>  <p align="justify"><strong>Non-Interest Expense: </strong></p>  <p align="justify">Non-interest expense for the current quarter was $13.4 million compared with $15.0 million for the prior quarter, a decrease of $1.6 million, or 10.3%.&#160; The decrease was due primarily to decreases of $1.0 million in legal accruals and settlements, $0.3 million in pension and other employee benefits, and $0.3 million in other non-interest expense, partially offset by a $0.1 million increase in salaries and wages.&#160; The decrease in legal accruals and settlements can be attributed to the settlement agreement in the matter of <em>Fane vs. Chemung Canal Trust Company</em> (the &#8220;Action&#8221;) during the second quarter of 2018.&#160; As noted in the Current Report on Form 8-K filed on June 15, 2018, the two parties agreed to release each other from any and all liabilities, claims, counterclaims, demands, charges, complaints and causes of action, to dismiss the Action with prejudice, and the Bank agreed to pay Fane $3.3 million in connection with the settlement of the Action. The Bank had previously reserved $2.3 million for the Action and therefore recognized an additional $1.0 million in legal accruals and settlements during the second quarter of 2018.&#160; The decrease in pension and other employee benefits can be attributed to a decline in healthcare costs in the current quarter, when compared to the prior quarter.&#160; The increase in salaries and wages can be attributed to annual merit increases and an increase in headcount associated with a <em>denovo</em> branch opened in the second quarter of 2018.&#160; The Bank opened a <em>denovo</em> branch in Wilton, New York in May 2018.</p>  <p align="justify"><strong>Income Tax Expense: </strong></p>  <p align="justify">Income tax expense for the current quarter was $1.8 million compared with $0.5 million for the prior quarter, an increase of $1.3 million, or 270.8%.&#160; The increase was due primarily to a $5.7 million increase in income before income tax expense for the third quarter of 2018, when compared to the prior quarter.</p>  <p align="justify"><strong><u>Asset Quality </u></strong></p>  <p align="justify">Non-performing loans totaled $12.6 million at September 30, 2018, or 0.96% of total loans, compared with $17.3 million at December 31, 2017, or 1.32% of total loans.&#160; Non-performing assets, which are comprised of non-performing loans and other real estate owned, were $13.4 million, or 0.76% of total assets, at September 30, 2018, compared with $19.3 million, or 1.13% of total assets, at December 31, 2017. The decline in non-performing loans can be mostly attributed to the charge-off of multiple large commercial loans to one borrower for $3.6 million during the second quarter of 2018.&#160; The decline in non-performing assets can be mostly attributed to the charge-off of multiple large commercial loans to one borrower for $3.6 million and the sale of one other real estate owned property during the second quarter of 2018.</p>  <p align="justify">Management performs an ongoing assessment of the adequacy of the allowance for loan losses based upon a number of factors including an analysis of historical loss factors, collateral evaluations, recent charge-off experience, credit quality of the loan portfolio, current economic conditions and loan growth.&#160; Based on this analysis, the provision for loan losses for the third quarter of 2018 was $0.3 million, a decrease of $1.0 million compared with the same period in the prior year.&#160; Net charge-offs for the third quarter of 2018 were $0.3 million, compared with $0.7 million for the third quarter of 2017.</p>  <p align="justify">The allowance for loan losses was $19.6 million at September 30, 2018 compared with $21.2 million at December 31, 2017.&#160; The allowance for loan losses was 155.48% of non-performing loans at September 30, 2018 compared with 122.15% at December 31, 2017.&#160; The ratio of the allowance for loan losses to total loans was 1.49% at September 30, 2018 compared with 1.61% at December 31, 2017.</p>  <p align="justify"><strong><u>Balance Sheet Activity </u></strong></p>  <p align="justify">Total assets totaled $1.754 billion at September 30, 2018 compared with $1.708 billion at December 31, 2017, an increase of $46.2 million, or 2.7%.&#160; The increase can be mostly attributed to increases of $83.2 million in cash and cash equivalents, $8.8 million in loans, net of deferred loan fees, and $2.4 million in accrued interest receivable and other assets, offset by a decrease of $48.8 million in total investment securities.</p>  <p align="justify">The increase in cash and cash equivalents was due to changes in securities, loans, deposits, and borrowings.&#160; The increase in total loans can be mostly attributed to increases of $20.6 million in commercial mortgages and $4.1 million in indirect consumer loans, partially offset by decreases of $6.0 million in commercial and agriculture loans, $5.8 million in residential mortgages, and $4.1 million in other consumer loans.&#160; The increase in accrued interest receivable and other assets can be mostly attributed to the fair market adjustment to interest rate swaps for the year to date ($1.5 million) and increases in operating prepaid assets and the net deferred tax asset.&#160; The decrease in securities available for sale can be mostly attributed to pay-downs, maturities, and a decrease in fair value related to an increase in interest rates.</p>  <p align="justify">Total liabilities totaled $1.597 billion at September 30, 2018 compared with $1.558 billion at December 31, 2017, an increase of $39.6 million or 2.5%.&#160; Deposits totaled $1.576 billion at September 30, 2018 compared with $1.467 billion at December 31, 2017, an increase of $108.6 million, or 7.4%.&#160; The growth was attributable to increases of $2.3 million in non-interest bearing demand deposits accounts, $62.1 million in interest-bearing demand deposit accounts, $18.7 million in money market accounts, and $26.5 million in time deposits, due to a rate promotion, offset by a decrease of $1.0 million in savings accounts.&#160; The increase in interest-bearing demand deposit accounts was mainly attributable to the seasonal inflow from existing municipal clients.&#160; Also, in the current quarter, the Bank converted its off balance sheet sweep agreement accounts into interest-bearing demand deposit accounts which resulted in the onboarding of approximately $30.0 million in deposits. &#160;FHLB advances and other debt totaled $4.4 million at September 30, 2018 compared with $64.2 million at December 31, 2017, a decrease of $59.9 million, or 93.2%.&#160; The decline in FHLB advances can be attributed to an increase in deposits and decline in securities.</p>  <p align="justify">Total shareholders&#8217; equity was $156.5 million at September 30, 2018 compared with $149.8 million at December 31, 2017, an increase of $6.7 million, or 4.5%.&#160; The increase in retained earnings of $10.2 million was due primarily to earnings of $13.9 million, offset by $3.7 million in dividends declared.&#160; The increase in accumulated other comprehensive loss of $4.9 million can be attributed to the decline in the fair market value of the securities portfolio.&#160; Also, treasury stock decreased $1.4 million, due to the issuance of shares to the Corporation&#8217;s employee benefit stock plans.</p>  <p align="justify">The total equity to total assets ratio was 8.92% at September 30, 2018 compared with 8.77% at December 31, 2017.&#160; The tangible equity to tangible assets ratio was 7.69% at September 30, 2018 compared with 7.48% at December 31, 2017.&#160; Book value per share increased to $32.35 at September 30, 2018 from $31.10 at December 31, 2017.&#160; As of September 30, 2018, the Bank&#8217;s capital ratios were in excess of those required to be considered well-capitalized under the regulatory framework for prompt corrective action and the Corporation met all capital adequacy requirements to which it is subject.</p>  <p align="justify"><strong><u>Other Items </u></strong></p>  <p align="justify">The market value of total assets under management or administration in our Wealth Management Group was $1.923 billion at September 30, 2018, including $264.6 million of assets under management or administration for the Corporation, compared to $1.952 billion at December 31, 2017, including $346.8 million of assets under management or administration for the Corporation, a decrease of $28.5 million, or 1.5%.&#160; The decline in total assets under management or administration can be mostly attributed to a decrease in the Corporation&#8217;s pledged securities portfolio for municipal deposits and the decrease in the mutual fund sweep agreement accounts (previously described under balance sheet activity), which are held by its Wealth Management Group.</p>  <p align="justify"><strong><u>About Chemung Financial Corporation </u></strong></p>  <p align="justify">Chemung Financial Corporation is a $1.8 billion financial services holding company headquartered in Elmira, New York and operates 35 retail offices through its principal subsidiary, Chemung Canal Trust Company, a full service community bank with trust powers.&#160; Established in 1833, Chemung Canal Trust Company is the oldest locally-owned and managed community bank in New York State.&#160; Chemung Financial Corporation is also the parent of CFS Group, Inc., a financial services subsidiary offering non-traditional services including mutual funds, annuities, brokerage services, tax preparation services and insurance, and Chemung Risk Management, Inc., a captive insurance company based in the State of Nevada.</p>  <p align="justify">This press release may be found at: www.chemungcanal.com under Investor Relations.</p> <table style="width:100%; 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vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 574</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; 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">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; "><strong>Non-interest income:</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Wealth management group fee income</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 2,406</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 2,147</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">12.1</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 7,095</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; 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padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(3.0</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 3,539</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 3,678</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(3.8</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td></tr><tr><td style="vertical-align: bottom ; ">Interchange revenue from debit card transactions</td><td style="vertical-align: bottom ; 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vertical-align: bottom ; ">&#160; 925</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">6.2</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 3,013</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 2,809</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; 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padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">-</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">N/M</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; 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">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">N/M</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Net gains on sales of loans held for sale</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 79</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 71</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">11.3</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; 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vertical-align: bottom ; ">&#160; 17</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">0.0</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; 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 vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 2,088</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,728</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">20.8</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160; Total non-interest income</td><td style="vertical-align: bottom ; 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vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 18,181</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 15,035</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">20.9</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: center ;  vertical-align: bottom; 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 vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,262</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,325</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; 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vertical-align: bottom ; ">&#160; (1,224</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; (999</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; 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vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 2,119</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(8.4</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td></tr><tr><td style="vertical-align: bottom ; ">Data processing</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; 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vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 452</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">6.0</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,527</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,169</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; 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vertical-align: bottom ; ">&#160; 213</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(0.5</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 816</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 580</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">40.7</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Other real estate owned expense</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 83</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1975.0</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 321</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 35</td><td style="padding-left: 0 ; 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vertical-align: bottom ; ">&#160; 263</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 312</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; 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vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 946</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(6.9</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td></tr><tr><td style="vertical-align: bottom ; ">Loan expense</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 262</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 165</td><td style="padding-left: 0 ; 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padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,644</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(16.8</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,520</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,618</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(2.1</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td></tr><tr><td style="vertical-align: bottom ; ">&#160; Total non-interest expense</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; 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padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 13,276</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1.1</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; 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padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">4.7</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160; Income before income tax expense</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 8,732</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,364</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">62.8</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; 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vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">N/M - Not meaningful</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ; 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vertical-align: bottom ; ">5,364</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">17,245</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">13,839</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Income tax expense</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,802</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">486</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; 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padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">3,012</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,710</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ; 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vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">4,250</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Net income (loss)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; 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padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,625,591</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; 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padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,703,047</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,727,616</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,707,111</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; 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vertical-align: bottom ; ">1,708,360</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Deposits</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,501,082</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,495,410</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,488,708</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,516,390</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,512,685</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,495,111</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,513,804</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Total equity</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">154,331</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">151,216</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">150,495</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">154,767</td><td style="padding-left: 0 ; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">0.22</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">0.49</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">0.14</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td></tr><tr><td style="vertical-align: bottom ; ">Non-performing loans to total loans</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; 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text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td></tr><tr><td style="vertical-align: bottom ; ">Non-performing assets to total assets</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">0.76</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; 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padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 97</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; 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vertical-align: bottom ; ">&#160; 267</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">0.74</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; 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vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,057</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">0.39</td><td style="padding-left: 0 ; 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16,081</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; 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">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; (157</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td></tr><tr><td style="vertical-align: bottom ; ">Interest-earning deposits</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 7,801</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; 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text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom;   text-align: left; 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vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; 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"><em>(1)&#160; Net interest rate spread is the difference in the average yield on interest-earning assets less the average rate on interest-bearing liabilities.</em></td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="24" style="vertical-align: bottom ; "><em>(2)&#160; Net interest margin is the ratio of fully taxable equivalent net interest income divided by average interest-earning assets.</em></td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ; 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That presentation provides the reader with an understanding of the Corporation&#8217;s results that can be tracked consistently from period-to-period and enables a comparison of the Corporation&#8217;s performance with other companies&#8217; GAAP financial statements.</p>  <p align="justify">In addition to analyzing the Corporation&#8217;s results on a reported basis, management uses certain non-GAAP financial measures, because it believes these non-GAAP financial measures provide information to investors about the underlying operational performance and trends of the Corporation and, therefore, facilitate a comparison of the Corporation with the performance of its competitors. Non-GAAP financial measures used by the Corporation may not be comparable to similarly named non-GAAP financial measures used by other companies.</p>  <p align="justify">The SEC has adopted Regulation G, which applies to all public disclosures, including earnings releases, made by registered companies that contain &#8220;non-GAAP financial measures.&#8221;&#160; Under Regulation G, companies making public disclosures containing non-GAAP financial measures must also disclose, along with each non-GAAP financial measure, certain additional information, including a reconciliation of the non-GAAP financial measure to the closest comparable GAAP financial measure and a statement of the Corporation&#8217;s reasons for utilizing the non-GAAP financial measure as part of its financial disclosures.&#160; The SEC has exempted from the definition of &#8220;non-GAAP financial measures&#8221; certain commonly used financial measures that are not based on GAAP.&#160; When these exempted measures are included in public disclosures, supplemental information is not required.&#160; The following measures used in this Report, which are commonly utilized by financial institutions, have not been specifically exempted by the SEC and may constitute "non-GAAP financial measures" within the meaning of the SEC's rules, although we are unable to state with certainty that the SEC would so regard them.</p>  <p align="justify"><em>Fully Taxable Equivalent Net Interest Income, Net Interest Margin, and Efficiency Ratio</em></p>  <p align="justify">Net interest income is commonly presented on a tax-equivalent basis.&#160; That is, to the extent that some component of the institution's net interest income, which is presented on a before-tax basis, is exempt from taxation (e.g., is received by the institution as a result of its holdings of state or municipal obligations), an amount equal to the tax benefit derived from that component is added to the actual before-tax net interest income total.&#160; This adjustment is considered helpful in comparing one financial institution's net interest income to that of other institutions or in analyzing any institution&#8217;s net interest income trend line over time, to correct any analytical distortion that might otherwise arise from the fact that financial institutions vary widely in the proportions of their portfolios that are invested in tax-exempt securities, and that even a single institution may significantly alter over time the proportion of its own portfolio that is invested in tax-exempt obligations.&#160; Moreover, net interest income is itself a component of a second financial measure commonly used by financial institutions, net interest margin, which is the ratio of net interest income to average interest-earning assets.&#160; For purposes of this measure as well, fully taxable equivalent net interest income is generally used by financial institutions, as opposed to actual net interest income, again to provide a better basis of comparison from institution to institution and to better demonstrate a single institution&#8217;s performance over time.&#160; The Corporation follows these practices.</p>  <p align="justify">The efficiency ratio is a non-GAAP financial measure which represents the Corporation&#8217;s ability to turn resources into revenue and is calculated as non-interest expense divided by total revenue (fully taxable equivalent net interest income and non-interest income), adjusted for one-time occurrences and amortization.&#160; This measure is meaningful to the Corporation, as well as investors and analysts, in assessing the Corporation&#8217;s productivity measured by the amount of revenue generated for each dollar spent.</p> <table style="width:100%; 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">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 42,561</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 40,653</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Less:&#160; amortization of intangible assets</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; (182</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; 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vertical-align: bottom ; ">&#160; (194</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; (207</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; (214</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; (558</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ; 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vertical-align: bottom ; ">&#160; -</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; -</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; (989</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; (850</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ; 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">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 13,796</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ; 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">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 39,150</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; "><strong>&#160;</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; "><strong>&#160;</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; "><strong>&#160;</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; "><strong>&#160;</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; "><strong>&#160;</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; "><strong>&#160;</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; "><strong>&#160;</strong></td></tr><tr><td style="vertical-align: bottom ; 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padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,639,257</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,615,833</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,624,830</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; 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149,813</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 154,277</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; 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vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Less:&#160; intangible assets</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(23,351</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(23,533</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(23,715</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(23,909</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(24,116</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(23,351</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(24,116</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td></tr><tr><td style="vertical-align: bottom ; ">Tangible equity (non-GAAP)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 133,148</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 128,247</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 126,547</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 125,904</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 130,161</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 133,148</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 130,161</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; 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padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,710,166</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,699,954</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,707,620</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,731,682</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,753,864</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 1,731,682</td><td style="padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Less:&#160; intangible assets</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(23,351</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(23,533</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(23,715</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(23,909</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(24,116</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(23,351</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(24,116</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td></tr><tr><td style="vertical-align: bottom ; ">Tangible assets (non-GAAP)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; 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The Corporation intends its forward-looking statements to be covered by the safe harbor provisions for forward-looking statements in this press release.&#160; All statements regarding the Corporation's expected financial position and operating results, the Corporation's business strategy, the Corporation's financial plans, forecasted demographic and economic trends relating to the Corporation's industry and similar matters are forward-looking statements.&#160; These statements can sometimes be identified by the Corporation's use of forward-looking words such as "may," "will," "anticipate," "estimate," "expect," or "intend."&#160; The Corporation cannot promise that its expectations in such forward-looking statements will turn out to be correct.&#160; The Corporation's actual results could be materially different from expectations because of various factors, including changes in economic conditions or interest rates, credit risk, difficulties in managing the Corporation&#8217;s growth, competition, changes in law or the regulatory environment, including the Dodd-Frank Act, and changes in general business and economic trends.&#160; Information concerning these and other factors can be found in the Corporation&#8217;s periodic filings with the Securities and Exchange Commission (&#8220;SEC&#8221;), including the 2017 Annual Report on Form 10-K.&#160; These filings are available publicly on the SEC's website at http://www.sec.gov, on the Corporation's website at http://www.chemungcanal.com or upon request from the Corporate Secretary at (607) 737-3746.&#160; Except as otherwise required by law, the Corporation undertakes no obligation to publicly update or revise its forward-looking statements, whether as a result of new information, future events, or otherwise.</p>  <p align="justify"><strong><u>For further information contact</u></strong><strong><u>:</u></strong><br >Karl F. Krebs, EVP and CFO<br >kkrebs@chemungcanal.com<br >Phone:&#160; 607-737-3714</p> </p><p ></p></body></html>
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