<SEC-DOCUMENT>0001171843-23-002439.txt : 20230420
<SEC-HEADER>0001171843-23-002439.hdr.sgml : 20230420
<ACCEPTANCE-DATETIME>20230420162147
ACCESSION NUMBER:		0001171843-23-002439
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20230420
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20230420
DATE AS OF CHANGE:		20230420

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:		23833397

	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_042023.htm
<DESCRIPTION>FORM 8-K
<TEXT>
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<?xml version="1.0" encoding="utf-8"?><html xmlns="http://www.w3.org/1999/xhtml" xmlns:xs="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:dei="http://xbrl.sec.gov/dei/2021" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31" xmlns:us-roles="http://fasb.org/us-roles/2021-01-31" xmlns:country="http://xbrl.sec.gov/country/2021" xmlns:srt="http://fasb.org/srt/2021-01-31"><head><title>Form 8-K</title></head><body style="font-size: 10pt"><div style="display: none;"><ix:header><ix:hidden><ix:nonNumeric name="dei:EntityCentralIndexKey" contextRef="Form8K">0000763563</ix:nonNumeric> <ix:nonNumeric format="ixt:booleanfalse" name="dei:AmendmentFlag" contextRef="Form8K">False</ix:nonNumeric></ix:hidden><ix:references> <link:schemaRef xlink:href="gnw-20190101.xsd" xlink:type="simple"></link:schemaRef> </ix:references> <ix:resources> <xbrli:context id="Form8K"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000763563</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2023-04-20</xbrli:startDate> <xbrli:endDate>2023-04-20</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:unit id="USD"> <xbrli:measure>iso4217:USD</xbrli:measure> </xbrli:unit> <xbrli:unit id="Shares"> <xbrli:measure>xbrli:shares</xbrli:measure> </xbrli:unit> <xbrli:unit id="USDPShares"> <xbrli:divide> <xbrli:unitNumerator> <xbrli:measure>iso4217:USD</xbrli:measure> </xbrli:unitNumerator> <xbrli:unitDenominator> <xbrli:measure>xbrli:shares</xbrli:measure> </xbrli:unitDenominator> </xbrli:divide> </xbrli:unit> </ix:resources></ix:header></div><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid; width: 100%;">&#160;</div></div><p style="font-size: 14pt; font-weight: bold; text-align: center; margin-top: 6pt; margin-bottom: 0pt;">UNITED STATES</p><p style="font-size: 14pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">SECURITIES AND EXCHANGE COMMISSION</p><p style="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 6pt;">Washington, D.C. 20549</p><p style="text-align: center;">_________________</p><p style="font-size: 14pt; font-weight: bold; text-align: center; margin-top: 6pt; margin-bottom: 6pt;">FORM <ix:nonNumeric name="dei:DocumentType" contextRef="Form8K">8-K</ix:nonNumeric></p><p style="text-align: center;">_________________</p><p style="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 6pt; margin-bottom: 6pt;">CURRENT REPORT</p><p style="font-size: 10pt; font-weight: bold; text-align: center; 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margin-bottom: 0pt; border-bottom: Black 4pt solid;">&#160;</div><div style="page-break-before: always; margin-top: 0pt; margin-bottom: 0pt;">&#160;</div><!-- 8-K Items --><div><div><div style="font-size: 10pt;"><strong>Item 2.02. Results of Operations and Financial Condition.</strong></div><div style="font-size: 10pt;"><p>On April 20, 2023, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three month period ended March 31, 2023.</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></div></div><div><div style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></div><div style="font-size: 10pt;"><p>(d) Exhibits</p><p style="text-decoration: underline;">Exhibit No.</p><p>&#160; &#160; &#160; <a href="exh_991.htm">99.1</a>&#160;&#160;<a href="exh_991.htm">Press Release of Chemung Financial Corporation dated April 20, 2023.</a></p><p>&#160; &#160; &#160; 104&#160; &#160;Cover Page Interactive Data File (embedded within the Inline XBRL document)</p></div></div></div><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: Black 4pt solid;">&#160;</div><div style="page-break-before: always; margin-top: 0pt; margin-bottom: 0pt;">&#160;</div><!-- Signatures --><p style="font-size: 10pt; text-align: center; font-weight: bold;">SIGNATURE</p><p 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.</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr style="vertical-align: top;"><td>&#160;</td><td style="font-size: 10pt; font-weight: bold;" colspan="2">CHEMUNG FINANCIAL CORPORATION</td></tr><tr style="vertical-align: top;"><td style="width: 49%;">&#160;</td><td style="width: 2%;">&#160;</td><td style="width: 49%;">&#160;</td></tr><tr style="vertical-align: top;"><td>&#160;</td><td>&#160;</td><td style="font-size: 10pt;"></td></tr><tr style="vertical-align: top;"><td style="font-size: 10pt;">Date: April 20, 2023</td><td style="font-size: 10pt;">By:&#160;</td><td style="text-decoration: underline; font-size: 10pt;">/s/ Karl F. Krebs&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr style="vertical-align: top;"><td>&#160;</td><td>&#160;</td><td style="font-size: 10pt;">Karl F. Krebs</td></tr><tr style="vertical-align: top;"><td>&#160;</td><td>&#160;</td><td style="font-size: 10pt;">Chief Financial Officer and Treasurer</td></tr><tr style="vertical-align: top;"><td>&#160;</td><td>&#160;</td><td style="font-size: 10pt;"></td></tr></table><!-- Exhibit Index --><div></div><!-- (607) 737-3711 Form 8-KApril 20, 2023 --><p>&#160;</p></body></html>
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<!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;"><font style="font-size: 14pt;"><strong>Chemung Financial Corporation Reports First Quarter 2023 Net Income of $7.3 million, or $1.54 per Share</strong></font></p><p style="text-align: center;"><strong></strong></p><p>
   <p align="justify">ELMIRA, N.Y., April  20, 2023  (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 of $7.3 million, or $1.54 per share, for the first quarter of 2023, compared to $6.9 million, or $1.46 per share, for the first quarter of 2022.<br ></p>    <p align="justify">"I am pleased to report earnings of $7.3 million, or $1.54 per share, for the first quarter of 2023, the third-highest quarterly earnings in our near 200-year history," according to Anders M. Tomson, President and CEO of Chemung Financial Corporation. "Loan growth and rising interest rates contributed to a 19.6% increase in net interest income, when compared to first quarter 2022. The Bank's strong credit quality continued to drive down our non-performing loans, and a decrease in the mark on the fair value of the securities portfolio, combined with an increase in retained earnings, helped increase our tangible book value for the quarter," Tomson added.</p>    <p align="justify">"Despite recent events that have heightened the focus on the banking industry, we are confident that our Company is well-positioned from a capital and liquidity perspective. We are a traditional, community-focused bank, with a diverse loan portfolio and deposit base which encompasses a broad cross-section of customers and sources. We will continue to prudently manage our balance sheet and look for opportunities to gain efficiencies in our daily operations," Tomson said.</p>    <p><strong>First</strong> <strong>Quarter</strong> <strong>Highlights</strong><sup><strong>1</strong></sup><strong>:</strong></p>    <ul type="disc"><li style="margin-top:0.05pt;">Loans<sup>1</sup>, grew $44.3 million, or 2.4%.<br ></li><li style="margin-top:0.05pt;">Net interest income grew $3.3 million, or 19.6% in the first quarter of 2023 when compared to the same period in the prior year.<br ></li><li style="margin-top:0.05pt;">Non-performing loans to total loans decreased from 0.45% as of December 31, 2022 to 0.41% as of March 31, 2023.<br ></li><li>Book Value per share was $37.53, tangible book value per share increased $2.22, or 7.2%, to $32.91.<sup>2</sup><br ></li><li>Dividends declared during the first quarter 2023 were $0.31 per share.<br ></li></ul>    <p><sup>1</sup> Balance sheet comparisons are calculated as of March 31, 2023 versus December 31, 2022.<br ><sup>2</sup> Comparisons as of March 31, 2023 and March 31, 2022. Please refer to GAAP to Non-GAAP Reconciliations</p>    <p><strong><u>1st Quarter 2023 vs 1st Quarter 2022</u></strong></p>    <p align="justify"><strong>Net Interest Income:</strong></p>    <p align="justify">Net interest income for the first quarter of 2023 totaled $19.9 million compared to $16.7 million for the same period in the prior year, an increase of $3.3 million, or 19.6%, due primarily to increases of $7.8 million in interest income on loans, including fees, and $0.9 million in interest and dividend income on taxable securities, offset by increases of $4.6 million in interest expense on deposits, and $0.9 million in interest expense on borrowed funds.</p>    <p align="justify">The increase in interest income on loans, including fees was due primarily to a 106 basis points increase in the average yields on loans, reflecting increases across all loan categories due to an increase in interest rates, when compared to the same period in the prior year, and a $316.9 million increase in average loan balances, also representing increases across all loan categories, when compared to the same period in the prior year. Loan income for the first quarter of 2023 also included $0.2 million of prepayment penalty income. The increase in interest and dividend income on taxable securities when compared to the same period in the prior year, was due primarily to a 65 basis points increase in the average yield on securities due to an increase in average interest rates.</p>    <p align="justify">The increase in interest expense on deposits was due primarily to a 114 basis points increase in average rates paid on interest-bearing deposits, which included brokered deposits, and a deposit campaign in the first quarter of 2023, when compared to the same period in the prior year. The increase in interest expense on borrowed funds was due primarily to a $69.2 million increase in the average balances of overnight FHLBNY borrowings in the current quarter, and an increase in interest rates, when compared to the same period in the prior year.</p>    <p align="justify">Fully taxable equivalent net interest margin was 3.14% for the first quarter 2023, compared to 2.87% for the same period in the prior year. Average interest-earning assets increased $221.4 million for the three months ended March 31, 2023 compared to the same period in the prior year. The average yield on interest-earning assets increased 112 basis points to 4.12%, and the average cost of interest-bearing liabilities increased 128 basis points to 1.49%, for the three months ended March 31, 2023, when compared to the same period in the prior year, due to the rising interest rate environment.</p>    <p><strong>Non-Interest</strong> <strong>Income:</strong></p>    <p align="justify">Non-interest income for the first quarter of 2023 was $5.4 million compared to $5.7 million for the same period in the prior year, a decrease of $0.3 million, or 5.3%. The decrease in the current quarter was due primarily to decreases of $0.3 million in other non-interest income, and $0.2 million in wealth management group fee income, offset by an increase of $0.2 million in change in fair value of equity investments.</p>    <p align="justify">The decrease in other non-interest income was primarily due to decreases in interest rate swap fees, CFS other fee income and Mastercard volume bonus when compared to the same period in the prior year. The decrease in wealth management group fee income was primarily due to a decrease in the market value of the total assets under management or administration when compared to the same period in the prior year. The increase in change in fair value of equity investments was primarily due to an increase in the market value of assets held related to the Corporation's deferred compensation plan.</p>    <p><strong>Non-Interest</strong> <strong>Expense:</strong></p>    <p align="justify">Non-interest expense for the first quarter of 2023 was $15.8 million compared to $14.7 million for the same period in the prior year, an increase of $1.1 million, or 7.5%. The increase can be mostly attributed to increases of $0.6 million in salaries and wages, $0.2 million in other components of net periodic pension benefits, $0.2 million in data processing expenses, and $0.2 million in FDIC insurance.</p>    <p align="justify">The increase in salaries and wages was primarily attributed to base salary increases, an increase in the market value of the assets held related to the Corporation's deferred compensation plan, and an increase in restricted stock expense, when compared to the same period in the prior year. The increase in other components of net periodic pension cost (benefits) was primarily due to revised actuarial adjustments related to the Corporation's pension plans. The increase in data processing expense was primarily due to the timing of invoices, expenditures related to additional cyber security- related software, and an increase in debit card dispute processing, when compared to the same period in the prior year. The increase in FDIC insurance was primarily due to an increase in the assessment rate effective January 1, 2023.</p>    <p><strong>Income</strong> <strong>Tax</strong> <strong>Expense:</strong></p>    <p align="justify">Income tax expense for the first quarters of 2023 and 2022 was $2.0 million. The effective tax rate for the current quarter decreased to 21.5% compared to 22.1% for the same period in the prior year.</p>    <p><strong><u>1st Quarter 2023 vs 4th Quarter 2022</u></strong></p>    <p><strong>Net Interest Income:</strong></p>    <p align="justify">Net interest income for the first quarter of 2023 totaled $19.9 million compared to $20.9 million for the prior quarter, a decrease of $0.9 million, or 4.4%, due primarily to increases of $2.1 million in interest expense on deposits and $0.6 million in interest expense on borrowed funds, offset by an increase of $1.8 million in interest income on loans, including fees.</p>    <p align="justify">The increase in interest expense on deposits was due primarily to a 41 basis points increase in average rates paid on interest-bearing deposits, which included brokered deposits, when compared to the prior quarter. The increase in interest expense on borrowed funds was due primarily to a $48.5 million increase in the average balances of FHLBNY borrowings, and a 47 basis points increase in average rates paid, on overnight FHLBNY borrowings in the current quarter, when compared to the prior quarter. The increase in interest income on loans, including fees was due primarily to a 33 basis points increase in the average yields on loans, reflecting increases across all loan categories due to an increase in interest rates, when compared to the prior quarter, and a $62.2 million increase in average loan balances, also representing increases across all loan categories when compared to the prior quarter. Loan income for the first quarter of 2023 also included $0.2 million of prepayment penalty income.</p>    <p align="justify">Fully taxable equivalent net interest margin was 3.14% in the current quarter compared to 3.26% in the prior quarter. Average interest-earning assets increased $41.9 million in the current quarter compared to the prior quarter. The average yield on interest-earning assets increased 30 basis points to 4.12%, compared to the prior quarter. The average cost of interest-bearing liabilities increased 61 basis points to 1.49%, for the three months ended March 31, 2023, compared to the prior quarter, due to the rising interest rate environment, and an increase in average balances of higher costing brokered deposits and FHLBNY overnight advances.</p>    <p><strong>Non-Interest</strong> <strong>Income:</strong></p>    <p align="justify">Non-interest income was $5.4 million for the first quarter of 2023 and the fourth quarter of 2022. A $0.1 million increase in wealth management group fee income was offset by decreases in revenue from service charges on deposit accounts and change in fair value of equity investments, related to a decrease in the market value of the assets held related to the Corporation's deferred compensation plan.</p>    <p><strong>Non-Interest</strong> <strong>Expense:</strong></p>    <p align="justify">Non-interest expense for the first quarter of 2023 was $15.8 million compared to $15.7 million for the prior quarter, an increase of $0.1 million, or 0.9%.</p>    <p align="justify">The increase can be mostly attributed to increases of $0.6 million in salaries and wages and $0.3 million in other components of net periodic pension benefits. These increases were offset by decreases of $0.4 million in loan expenses and $0.3 million in pension and other employee benefits.</p>    <p align="justify">The increase in salaries and wages was primarily attributed to base salary increases, an increase in the market value of the assets held related to the Corporation's deferred compensation plan, and an increase in restricted stock expense, when compared to the prior quarter. The increase in other components of net periodic pension cost (benefits) was primarily due to revised actuarial adjustments related to the Corporation's pension plans. Loan expenses decreased primarily due to the timing of flat fee payments related to indirect consumer loan activity when compared to the prior quarter. The decrease in pension and other employee benefits was primarily due to a reduction in healthcare costs when compared to the prior quarter.</p>    <p><strong>Income</strong> <strong>Tax</strong> <strong>Expense:</strong></p>    <p align="justify">Income tax expense for the first quarter of 2023 was $2.0 million compared to $2.1 million for the prior quarter, a decrease of $0.1 million in income tax expense. The effective tax rate for the current quarter decreased to 21.5% compared to 21.8% in the prior quarter.</p>    <p><strong><u>Asset Quality</u></strong></p>    <p align="justify">Non-performing loans totaled $7.7 million at March 31, 2023, or 0.41% of total loans, compared to $8.2 million, or 0.45% of total loans at December 31, 2022. Non-performing assets, which are comprised of non-performing loans and other real estate owned, were $7.9 million, or 0.30% of total assets, at March 31, 2023, compared to $8.4 million, or 0.32% of total assets, at December 31, 2022. The decrease in non-performing assets can be primarily attributed to the decrease in non- performing loans.</p>    <p align="justify">Management performs an ongoing assessment of the adequacy of the allowance for credit losses based on its current expected credit losses (CECL) methodology, which includes loans individually evaluated, as well as loans evaluated on a pooled basis. The Corporation's methodology seeks to estimate the lifetime losses in its loan portfolio by utilizing an expected discounted cash flow based on Federal Open Market Committee (FOMC) forecasted data points, supplemented by qualitative considerations including relevant economic considerations, portfolio concentrations, and other external factors. The Corporation adopted the CECL accounting standard on January 1, 2023.</p>    <p align="justify">The allowance for credit losses was $20.1 million at March 31, 2023 and $19.7 million at December 31, 2022, respectively. The increase in the allowance for credit losses can mostly be attributed to the $0.4 million adjustment made upon adoption of ASU 2016-13, <em>Financial Instruments-Credit Losses (Topic 326)</em>, and additional provisioning related to increased loan volume. These increases were offset by decreased allowance requirements forecasted by the model due to more favorable economic projections, notably a decrease in the FOMC's forecasted U.S. unemployment rate. Increased qualitative provisioning was the result of increased loan volume. As of January 1, 2023, the Corporation recognized a $1.5 million one- time implementation adjustment, of which $1.1 million reflected the addition of an allowance for credit losses on unfunded commitments.</p>    <p align="justify">The allowance for credit losses was 259.66% of non-performing loans at March 31, 2023, and the ratio of the allowance for credit losses to loans was 1.07% at March 31, 2023. The ratio of the allowance for credit losses including off-balance sheet exposure to total loans was 1.13% at March 31, 2023. The allowance for loan losses to non-performing loans was 240.39% at December 31, 2022, and the ratio of the allowance for loan losses to total loans was 1.07% at December 31, 2022.</p>    <p align="justify"><strong><u>Balance Sheet Activity</u></strong></p>    <p align="justify">Total assets were $2.654 billion at March 31, 2023 compared to $2.646 billion at December 31, 2022, an increase of $8.6 million, or 0.3%. The increase can be mostly attributed to increases of $44.3 million in loans, net of deferred origination fees and costs, offset by decreases of $21.2 million in total cash and cash equivalents, $6.5 million in securities available for sale, at estimated fair value, $6.3 million in accrued interest receivable and other assets, and an increase of $0.4 million in allowance for credit losses.<br ></p>    <p align="justify">The increase in loans, net of deferred loan fees, can mostly be attributed to increases of $31.6 million in commercial loans, $0.2 million in residential mortgage loans, and $12.5 million in consumer loans. The decrease in cash and cash equivalents was primarily due to changes in deposits, securities, and loans. The decrease in securities available for sale was primarily due to $16.4 million in paydowns and maturities, offset by an increase in the fair value of the portfolio of $7.8 million. The decrease in accrued interest receivable and other assets was primarily due to a decrease of $4.4 million in the interest rate swap asset. The increase in the allowance for credit losses can mostly be attributed to the adoption of CECL and additional provisioning related to increased loan volume as mentioned previously.</p>    <p align="justify">Total liabilities were $2.477 billion at March 31, 2023 compared to $2.479 billion at December 31, 2022, a decrease of $2.3 million, or 0.1%. The decrease in total liabilities can primarily be attributed to decreases of $5.7 million in overnight advances, and $1.5 million in accrued interest payable and other liabilities, were offset by an increase of $5.2 million in deposits.</p>    <p align="justify">The decrease in advances and other debt was primarily due to a $5.7 million decrease in overnight FHLBNY borrowings. 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The aggregate amount of the Corporation's outstanding uninsured&#160;&#160;deposits (net of deposits pledged to secure municipal deposits), was 21.2% and 23.5% of total deposits, as of March 31, 2023 and December 31, 2022, respectively.</p>    <p align="justify">Total shareholders&#8217; equity was $177.3 million at March 31, 2023, compared to $166.4 million at December 31, 2022, an increase of $10.9 million, or 6.6%, primarily due to a decrease of $5.8 million in accumulated other comprehensive loss, and an increase of $4.7 million in retained earnings. The decrease in accumulated other comprehensive loss was primarily due to an increase in the fair market value of the securities portfolio. The increase in retained earnings was due primarily to net income of $7.3 million, offset by $1.5 million in dividends declared, and a $1.5 million one-time adjustment due to the implementation CECL.</p>    <p align="justify">The total equity to total assets ratio was 6.68% at March 31, 2023, compared to 6.29% at December 31, 2022. The tangible equity to tangible assets ratio was 5.91% at March 31, 2023 compared to 5.51% at December 31, 2022. Book value per share increased to $37.53 at March 31, 2023 from $35.32 at December 31, 2022. As of March 31, 2023, 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.</p>    <p><strong><u>Liquidity</u></strong></p>    <p align="justify">Management believes that the Corporation has the necessary liquidity to provide flexibility in order to meet business needs. The Corporation uses a variety of resources to manage its liquidity. These include short term investments, cash flow from lending and investing activities, core-deposit growth and non-core funding sources, such as time deposits of $100,000 or more, brokered deposits, FHLBNY advances, and other borrowings. As of March 31, 2023, the Corporation's cash and cash equivalents balance was $34.6 million. The Corporation also maintains an investment portfolio of securities available for sale, comprised primarily of US Government treasury securities, Small Business Administration loan pools, mortgage- backed securities and municipal bonds. Although this portfolio generates interest income for the Corporation, it also serves as an available source of liquidity and capital if the need should arise. As of March 31, 2023, the Corporation's investment in securities available for sale was $626.1 million, $368.4 million of which was not pledged as collateral. Additionally, as of March 31, 2023, the Bank's overnight advance line capacity at the Federal Home Loan Bank of New York was $201.1 million, of which $90.1 million was utilized. As of March 31, 2023, the Bank's unused borrowing capacity at the Federal Home Loan Bank of New York was $111.0 million. Additional funding was available to the Corporation through the Bank Term Funding Program (BTFP) and Discount Window Lending provided by the Federal Reserve. The Corporation did not utilize these funding sources during the first quarter of 2023.</p>    <p align="justify">The Corporation also considers brokered deposits to be an element of its deposit strategy. As of March 31, 2023, the Corporation entered into brokered deposit arrangements with 4-week, 13-week, and 26-week terms totaling $126.8 million as of March 31, 2023.</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 $2.142 billion at March 31, 2023, including $393.8 million of assets under management or administration for the Corporation, compared to $2.053 billion at December 31, 2022, including $344.2 million of assets under management or administration for the Corporation, an increase of $89.0 million, or 4.34%, due primarily to an increase in market value, as well as an increase in assets under management or administration.</p>    <p align="justify">As previously announced on January 8, 2021, the Corporation announced that the Board of Directors approved a new stock repurchase program. Under the repurchase program, the Corporation may repurchase up to 250,000 shares of its common stock, or approximately 5% of its then outstanding shares. The repurchase program permits shares to be repurchased in open market or privately negotiated transactions, through block trades, and pursuant to any trading plan that may be adopted in accordance with Rule 10b5-1 of the Securities Exchange Act of 1934. As of March 31, 2023, a total of 49,184 shares of common stock at a total cost of $2.0 million were repurchased by the Corporation under its share repurchase program. No shares were repurchased in the first quarter of 2023. The weighted average cost was $40.42 per share repurchased. Remaining buyback authority under the share repurchase program was 200,816 shares at March 31, 2023.</p>    <p><strong><u>About Chemung Financial Corporation</u></strong></p>    <p align="justify">Chemung Financial Corporation is a $2.7 billion financial services holding company headquartered in Elmira, New York and operates 31 retail offices through its principal subsidiary, Chemung Canal Trust Company, a full service community bank with trust powers. Established in 1833, Chemung Canal Trust Company is the oldest locally-owned and managed community bank in New York State. 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: <em>www.chemungcanal.com</em> under Investor Relations.</p>    <p align="justify"><strong><u>Forward-Looking Statements</u></strong></p>    <p align="justify">This press release may contain forward-looking statements within the meaning of Section 27A of the Securities Act and Section 21E of the Securities Exchange Act, and the Private Securities Litigation Reform Act of 1995. The Corporation intends its forward-looking statements to be covered by the safe harbor provisions for forward-looking statements in this press release. 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. These statements can sometimes be identified by the Corporation's use of forward-looking words such as "may," "will," "anticipate," "estimate," "expect," or "intend." The Corporation cannot promise that its expectations in such forward-looking statements will turn out to be correct. 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, inflation, cyber security risks, difficulties in managing the Corporation&#8217;s growth, competition, changes in law or the regulatory environment, and changes in general business and economic trends.<br ></p>    <p align="justify">Information concerning these and other factors, including Risk Factors, can be found in the Corporation&#8217;s periodic filings with the Securities and Exchange Commission (&#8220;SEC&#8221;), including the 2022 Annual Report on Form 10-K. These filings are available publicly on the SEC's website at <em>http://www.sec.gov</em>, on the Corporation's website at <em>http:// </em><em>www.chemungcanal.com</em> or upon request from the Corporate Secretary at (607) 737-3746. 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>  <table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; "><tr><td colspan="17" style="vertical-align: top ; "><strong>Chemung</strong> <strong>Financial</strong> <strong>Corporation</strong><br ></td></tr><tr><td colspan="17" style="text-align: left ;  vertical-align: middle; vertical-align: top ; ">Consolidated Balance Sheets (Unaudited)</td></tr><tr><td style="vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>March&#160;</strong><strong>31,</strong></td><td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>Dec.&#160;</strong><strong>31,</strong></td><td colspan="3" style="text-align: center ; 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text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,932</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,424</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">3,210</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,943</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">3,576</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">FHLB and FRB stocks, at cost</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">7,913</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">8,197</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">3,872</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; 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vertical-align: top ; ">753,495</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Commercial</td><td style="vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,280,804</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,249,206</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,203,609</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,124,701</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,102,304</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; 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vertical-align: top ; ">283,128</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">276,847</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">264,816</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Consumer</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">306,953</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">294,570</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">256,018</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">216,014</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">199,405</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: top ; ">Loans, net of deferred loan fees</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,873,701</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,829,448</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,742,755</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,617,562</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,566,525</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Allowance for credit losses</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(20,075</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; 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">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(17,485</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(19,928</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td></tr><tr><td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: top ; ">Loans, net</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ; 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text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,724,124</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,600,077</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">1,546,597</td><td style="border-top: solid black 1pt ; 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">89,469</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">89,709</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">70,004</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">59,903</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: top ; ">Total assets</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; 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border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,474,895</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">&#160;</td><td colspan="16" style="vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; "><strong>LIABILITIES</strong> <strong>AND</strong> <strong>SHAREHOLDERS'</strong> <strong>EQUITY</strong></td><td style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Deposits:</td><td style="vertical-align: top ; 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text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">747,972</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">704,996</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">726,699</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Interest-bearing demand deposits</td><td style="vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">287,242</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">271,645</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">287,172</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">267,554</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">284,689</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Money market accounts</td><td style="vertical-align: top ; 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vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">641,008</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">699,506</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Savings deposits</td><td style="vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; 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padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">285,593</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">283,369</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Time deposits</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">452,094</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">402,384</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">349,864</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">283,640</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">255,329</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: top ; ">Total deposits</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,332,429</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,327,227</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,332,540</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,182,791</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,249,592</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Advances and other debt</td><td style="vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">93,328</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">99,137</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">4,104</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">49,331</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">3,527</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Operating lease liabilities</td><td style="vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">6,427</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">6,620</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">6,810</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">6,998</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">7,186</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Accrued interest payable and other liabilities</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">44,658</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">46,181</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">52,446</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">36,101</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">29,080</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: top ; ">Total liabilities</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,476,842</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,479,165</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,395,900</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,275,221</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">2,289,385</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; "><strong>Shareholders'</strong> <strong>equity</strong></td><td style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td><td colspan="3" style="vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Common stock</td><td style="vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">53</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">53</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">53</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">53</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">53</td><td style="padding-left: 0 ; text-align: left ; 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padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">47,487</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">47,196</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">46,880</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Retained earnings</td><td style="vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">216,594</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">211,859</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">205,874</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">200,870</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">194,295</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Treasury stock, at cost</td><td style="vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(17,219</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(17,598</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(18,015</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(18,084</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(18,113</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td></tr><tr><td style="vertical-align: top ; ">Accumulated other comprehensive loss</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(69,474</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(75,257</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(79,881</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(55,345</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(37,605</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td></tr><tr><td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: top ; ">Total shareholders' equity</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">177,341</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">166,388</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; 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vertical-align: bottom ; ">&#160;</td><td style="max-width:1%; width:1%; min-width:1%;;text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">$</td><td style="max-width:9%; width:9%; min-width:9%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">17,458</td><td style="max-width:1%; width:1%; min-width:1%;;vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Interest expense</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,282</td><td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,609</td><td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,009</td><td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">897</td><td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">781</td><td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; border-bottom: solid black 1pt ; 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vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>PERFORMANCE RATIOS</strong></td><td style="vertical-align: bottom ; 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 vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="2" style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>YIELDS / RATES - Fully Taxable Equivalent</strong></td><td colspan="2" style="text-align: right ; 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vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; 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vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,371,275</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total assets</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,627,088</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,574,639</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,511,301</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ; 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">2,257,394</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,203,231</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,211,442</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total equity</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">173,786</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">160,740</td><td style="text-align: left ; 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">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">138,916</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">158,820</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">156,382</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">181,778</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>ASSET QUALITY</strong></td><td style="vertical-align: bottom ; 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">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Total assets</td><td style="border-bottom: double black 3pt ; vertical-align: bottom ; 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 vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td 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 style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td 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 style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Interest-bearing liabilities:</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td 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 style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Interest-bearing checking</td><td style="vertical-align: bottom ; ">$</td><td colspan="1" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">291,090</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">$</td><td colspan="1" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">274</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ; 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 vertical-align: middle; vertical-align: bottom ; ">219</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">$</td><td colspan="1" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(0</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">$</td><td colspan="1" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">219</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Savings and money market</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">906,946</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,648</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.74</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">955,296</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">212</td><td style="text-align: right ; 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vertical-align: bottom ; ">4.93</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#8212;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#8212;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">- %</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,374</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,369</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#8212;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">FHLBNY overnight advances</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">70,699</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">866</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.97</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,491</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.38</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">865</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">686</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">179</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Long-term capital leases&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,281</td><td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">29</td><td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.58</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,550</td><td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">33</td><td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.77</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(4</td><td style="border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(2</td><td style="border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(2</td><td style="border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total interest-bearing liabilities</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,707,801</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,282</td><td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.49</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,495,267</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">782</td><td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.21</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,500</td><td style="border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,250</td><td style="border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,244</td><td style="border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Non-interest-bearing liabilities:</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td 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 style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Demand deposits</td><td colspan="2" style="text-align: right ; 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">&#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 style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td 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></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other liabilities</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">41,846</td><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">30,357</td><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td 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 style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td 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></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total liabilities</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="1" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,453,302</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="1" style="text-align: right ; 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See the Corporation&#8217;s unaudited consolidated balance sheets and statements of income contained within this press release. 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; 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. 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. When these exempted measures are included in public disclosures, supplemental information is not required. 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><em>Fully</em> <em>Taxable</em> <em>Equivalent</em> <em>Net</em> <em>Interest</em> <em>Income</em> <em>and</em> <em>Net</em> <em>Interest</em> <em>Margin</em></p>    <p align="justify">Net interest income is commonly presented on a tax-equivalent basis. 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. 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. 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. 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. 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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%; border-collapse:collapse !important;;border-collapse: collapse; "><tr><td style="vertical-align: bottom ; ">&#160;</td><td colspan="19" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>As <strong>of</strong> <strong>or</strong> <strong>for</strong> <strong>the</strong> <strong>Three</strong> <strong>Months</strong><strong> Ended</strong></strong><strong><br ></strong></td></tr><tr><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">(in thousands, except ratio data)</td><td colspan="3" style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>March</strong> <strong>31,</strong><br ><strong>2023</strong></td><td style="border-top: solid black 1pt ; 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vertical-align: top ; ">&#160;</td><td style="max-width:1%; width:1%; min-width:1%;;vertical-align: top ; ">&#160;</td><td style="max-width:1%; width:1%; min-width:1%;;padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="max-width:8%; width:8%; min-width:8%;;padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">16,677</td><td style="max-width:1%; width:1%; min-width:1%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Fully taxable equivalent adjustment</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">98</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">112</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">112</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">103</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">99</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Fully taxable equivalent net interest income (non-GAAP)</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">20,046</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">20,983</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">19,102</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">17,744</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">16,776</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Non-interest income (GAAP)</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">5,423</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">5,418</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">5,036</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">5,319</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">5,663</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Less: net (gains) losses on security transactions</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#8212;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#8212;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#8212;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#8212;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#8212;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Adjusted non-interest income (non-GAAP)</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; 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border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">5,036</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">5,319</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">5,663</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Non-interest expense (GAAP)</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">15,836</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">15,693</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">14,577</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">14,342</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">14,668</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Less: amortization of intangible assets</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#8212;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#8212;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#8212;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(4</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td><td style="vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">(11</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">)</td></tr><tr><td style="vertical-align: top ; ">Adjusted non-interest expense (non-GAAP)</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">15,836</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">15,693</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">14,577</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">14,338</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">$</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">14,657</td><td style="border-top: solid black 1pt ; padding-left: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr><tr><td style="vertical-align: top ; ">Efficiency ratio (unadjusted)</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">62.42</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">%</td><td style="vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; 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Tangible equity represents the Corporation&#8217;s stockholders&#8217; equity, less goodwill and intangible assets. Tangible assets represents the Corporation&#8217;s total assets, less goodwill and other intangible assets. Tangible book value per share represents the Corporation&#8217;s tangible equity divided by common shares at period-end. These measures are meaningful to the Corporation, as well as investors and analysts, in assessing the Corporation&#8217;s use of equity.</p>  <table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; "><tr><td style="vertical-align: top ; ">&#160;</td><td colspan="15" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>As <strong>of</strong> <strong>or</strong> <strong>for</strong> <strong>the</strong> <strong>Three</strong> <strong>Months</strong><strong> Ended</strong></strong><strong><br ></strong></td></tr><tr><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">(in thousands, except per share and ratio data)</td><td colspan="3" style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>March</strong> <strong>31,</strong><br ><strong>2023</strong></td><td colspan="3" style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>Dec.</strong> <strong>31,</strong><br ><strong>2022</strong></td><td colspan="3" style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>Sept.</strong> <strong>30,</strong><br ><strong>2022</strong></td><td colspan="3" style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>June</strong> <strong>30,</strong><br ><strong>2022</strong></td><td colspan="3" style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ; 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 vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ; 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Average tangible equity represents the Corporation&#8217;s average stockholders&#8217; equity, less average goodwill and intangible assets for the period. Return on average tangible equity measures the Corporation&#8217;s earnings as a percentage of average tangible equity. These measures are meaningful to the Corporation, as well as investors and analysts, in assessing the Corporation&#8217;s use of equity.</p>  <table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; "><tr><td style="vertical-align: top ; ">&#160;</td><td colspan="15" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>As <strong>of</strong> <strong>or</strong> <strong>for</strong> <strong>the</strong> <strong>Three</strong> <strong>Months</strong><strong> Ended</strong></strong><strong><br ></strong></td></tr><tr><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">(in thousands, except ratio data)</td><td colspan="3" style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>March</strong> <strong>31,</strong><br ><strong>2023</strong></td><td colspan="3" style="vertical-align: middle; 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The Corporation believes that the resulting non-GAAP financial measures may improve an understanding of its results of operations by separating out any such transactions or items that may have had a disproportionate positive or negative impact on the Corporation&#8217;s financial results during the particular period in question. In the Corporation&#8217;s presentation of any such non-GAAP (adjusted) financial measures not specifically discussed in the preceding paragraphs, the Corporation supplies the supplemental financial information and explanations required under Regulation G.</p>  <table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; "><tr><td style="vertical-align: top ; ">&#160;</td><td colspan="19" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: top ; "><strong>As <strong>of</strong> <strong>or</strong> <strong>for</strong> <strong>the</strong> <strong>Three</strong> <strong>Months</strong><strong> Ended</strong></strong><strong><br ></strong></td></tr><tr><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">(in thousands, except per share and ratio data)</td><td colspan="3" style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: top ; 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text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="vertical-align: top ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: top ; ">&#160;</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: top ; ">&#160;</td></tr></table>  <p>Category: Financial</p>    <p>Source: Chemung Financial Corp</p>    <p align="left"><strong><u>For</u></strong> <strong><u>further</u></strong> <strong><u>information</u></strong> <strong><u>contact:<br ></u></strong>Karl F. Krebs, EVP and CFO <br >kkrebs@chemungcanal.com <br >Phone: 607-737-3714&#160;</p> </p><p ></p></body></html>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentRegistrationStatement" xlink:to="dei_DocumentRegistrationStatement_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentRegistrationStatement_lbl" xml:lang="en-US">Document Registration Statement</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentAnnualReport" xlink:label="dei_DocumentAnnualReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAnnualReport" xlink:to="dei_DocumentAnnualReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAnnualReport_lbl" xml:lang="en-US">Document Annual Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentQuarterlyReport" xlink:label="dei_DocumentQuarterlyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentQuarterlyReport" xlink:to="dei_DocumentQuarterlyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentQuarterlyReport_lbl" xml:lang="en-US">Document Quarterly Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentTransitionReport" xlink:label="dei_DocumentTransitionReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentTransitionReport" xlink:to="dei_DocumentTransitionReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentTransitionReport_lbl" xml:lang="en-US">Document Transition Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentShellCompanyReport" xlink:label="dei_DocumentShellCompanyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyReport" xlink:to="dei_DocumentShellCompanyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyReport_lbl" xml:lang="en-US">Document Shell Company Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentShellCompanyEventDate" xlink:label="dei_DocumentShellCompanyEventDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyEventDate" xlink:to="dei_DocumentShellCompanyEventDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyEventDate_lbl" xml:lang="en-US">Document Shell Company Event Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentPeriodStartDate" xlink:label="dei_DocumentPeriodStartDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodStartDate" xlink:to="dei_DocumentPeriodStartDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodStartDate_lbl" xml:lang="en-US">Document Period Start Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US">Document Fiscal Period Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US">Document Fiscal Year Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPrimarySicNumber" xlink:to="dei_EntityPrimarySicNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine2" xlink:label="dei_EntityAddressAddressLine2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US">Entity Address, Address Line Two</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine3" xlink:label="dei_EntityAddressAddressLine3" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US">Entity Address, Address Line Three</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Extension" xlink:label="dei_Extension" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>gnw-20190101_pre.xml
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.23.1</span><table class="report" border="0" cellspacing="2" id="idm140556103505632">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Apr. 20, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Apr. 20,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-35741<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">CHEMUNG FINANCIAL CORPORATION<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000763563<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">16-1237038<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">One Chemung Canal Plaza<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Elmira<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">14901<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">607<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">737-3711<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common stock, par value $.01 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CHMG<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
