0000723188-16-000092.txt : 20160809 0000723188-16-000092.hdr.sgml : 20160809 20160809143709 ACCESSION NUMBER: 0000723188-16-000092 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 76 CONFORMED PERIOD OF REPORT: 20160630 FILED AS OF DATE: 20160809 DATE AS OF CHANGE: 20160809 FILER: COMPANY DATA: COMPANY CONFORMED NAME: COMMUNITY BANK SYSTEM, INC. CENTRAL INDEX KEY: 0000723188 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 161213679 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 001-13695 FILM NUMBER: 161817372 BUSINESS ADDRESS: STREET 1: 5790 WIDEWATERS PKWY CITY: DEWITT STATE: NY ZIP: 13214 BUSINESS PHONE: 8007242262 MAIL ADDRESS: STREET 1: 5790 WIDEWATERS PARKWAY CITY: DEWITT STATE: NY ZIP: 13214 FORMER COMPANY: FORMER CONFORMED NAME: COMMUNITY BANK NA, a subsidiary of Community Bank System Inc DATE OF NAME CHANGE: 20130729 FORMER COMPANY: FORMER CONFORMED NAME: COMMUNITY BANK NA, a subsidiary of Community Bank System Inc. DATE OF NAME CHANGE: 20130726 FORMER COMPANY: FORMER CONFORMED NAME: COMMUNITY BANK SYSTEM INC DATE OF NAME CHANGE: 19920703 10-Q 1 cbna201610q2ndqtr.htm 10 Q 2ND QTR Submission Documents
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 Washington, D.C. 20549

FORM 10-Q
 
 
  ☒
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
 
  
For the quarterly period ended June 30, 2016
 
 
 
  
OR
 
 
 
  ☐
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
 
  
For the transition period from                       to                                           .
 

    Commission File Number: 001-13695
 
 
 (Exact name of registrant as specified in its charter)
 
Delaware
 
 16‑1213679
(State or other jurisdiction of incorporation or organization)
 
 
 (I.R.S. Employer Identification No.)
 
5790 Widewaters Parkway, DeWitt, New York
 
 13214-1883
(Address of principal executive offices)
 
 (Zip Code)
 
 (315) 445‑2282
 
 
(Registrant's telephone number, including area code)
 
 
 
 NONE
 
 
(Former name, former address and former fiscal year, if changed since last report)
  


Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.   Yes  ☒    No ☐.

Indicate by check mark whether the registrant has submitted electronically and posted to its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes  ☒    No ☐.
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company.  See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.
 
Large accelerated filer ☒
  Accelerated filer ☐  Non-accelerated filer ☐  Smaller reporting company ☐
  (Do not check if a smaller reporting company)    

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes ☐No☒


Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date.
44,262,061 shares of Common Stock, $1.00 par value per share, were outstanding on July 31, 2016.


TABLE OF CONTENTS

Part I.
   Financial Information
Page
     
Item 1.
Financial Statements (Unaudited)
  
     
 
Consolidated Statements of Condition
  
 
June 30, 2016 and December 31, 2015_________________________________________________________________
3
     
 
Consolidated Statements of Income
  
 
Three and six months ended June 30, 2016 and 2015______________________________________________________
4
     
 
Consolidated Statements of Comprehensive Income
  
 
Three and six months ended June 30, 2016 and 2015______________________________________________________
5
     
 
Consolidated Statement of Changes in Shareholders' Equity
  
 
Six months ended June 30, 2016_____________________________________________________________________
6
     
 
Consolidated Statements of Cash Flows
  
 
Six months ended June 30, 2016 and 2015______________________________________________________________
7
     
 
Notes to the Consolidated Financial Statements
  
 
June 30, 2016__________________________________________________________________________________
8
     
Item 2.
Management's Discussion and Analysis of Financial Condition and Results of Operations________________________
27
     
Item 3.
Quantitative and Qualitative Disclosures about Market Risk_______________________________________________
43
     
Item 4.
Controls and Procedures__________________________________________________________________________
44
     
Part II.
   Other Information
  
     
Item 1.
Legal Proceedings_______________________________________________________________________________
45
     
Item 1A.
Risk Factors___________________________________________________________________________________
45
     
Item 2.
Unregistered Sales of Equity Securities and Use of Proceeds_______________________________________________
45
     
Item 3.
Defaults Upon Senior Securities____________________________________________________________________
45
     
Item 4.
Mine Safety Disclosures__________________________________________________________________________
45
     
Item 5.
Other Information_______________________________________________________________________________
46
     
Item 6.
Exhibits_______________________________________________________________________________________
46



2
 
Part I.   Financial Information
Item 1.  Financial Statements


COMMUNITY BANK SYSTEM, INC.
            
CONSOLIDATED STATEMENTS OF CONDITION (Unaudited)
            
(In Thousands, Except Share Data)
            
             
   
June 30,
    
December 31,
  
 
  
2016
    
2015
  
Assets:
            
   Cash and cash equivalents
  
$
161,634
    
$
153,210
  
   Available-for-sale investment securities (cost of $2,725,232 and $2,742,278, respectively)
    
2,889,863
      
2,808,113
  
   Other securities, at cost
    
41,438
      
39,827
  
   Loans held for sale, at fair value
    
514
      
932
  
   Loans
    
4,904,802
      
4,801,375
  
   Allowance for loan losses
    
(46,526
)
    
(45,401
)
     Net loans
    
4,858,276
      
4,755,974
  
                 
   Goodwill, net
    
465,142
      
463,252
  
   Core deposit intangibles, net
    
8,379
      
9,789
  
   Other intangibles, net
    
9,957
      
11,105
  
     Intangible assets, net
    
483,478
      
484,146
  
                 
   Premises and equipment, net
    
112,803
      
114,434
  
   Accrued interest and fees receivable
    
26,202
      
25,904
  
   Other assets
    
167,903
      
170,129
  
                 
        Total assets
  
$
8,742,111
    
$
8,552,669
  
                 
Liabilities:
                
   Noninterest-bearing deposits
  
$
1,546,253
    
$
1,499,616
  
   Interest-bearing deposits
    
5,411,601
      
5,373,858
  
      Total deposits
    
6,957,854
      
6,873,474
  
                 
  Borrowings
    
267,600
      
301,300
  
  Subordinated debt held by unconsolidated subsidiary trusts
    
102,158
      
102,146
  
  Accrued interest and other liabilities
    
177,570
      
135,102
  
     Total liabilities
    
7,505,182
      
7,412,022
  
                 
Commitments and contingencies (See Note J)
                
                 
Shareholders' equity:
                
  Preferred stock, $1.00 par value, 500,000 shares authorized, 0 shares issued
    
0
      
0
  
  Common stock, $1.00 par value, 75,000,000 shares authorized; 44,695,978 and 44,442,568 shares issued, respectively
    
44,696
      
44,443
  
  Additional paid-in capital
    
535,568
      
528,015
  
  Retained earnings
    
589,559
      
566,591
  
  Accumulated other comprehensive income
    
81,035
      
19,235
  
  Treasury stock, at cost (517,283 and 667,708 shares, respectively)
    
(13,929
)
    
(17,637
)
     Total shareholders' equity
    
1,236,929
      
1,140,647
  
                 
     Total liabilities and shareholders' equity
  
$
8,742,111
    
$
8,552,669
  



 
 
 
The accompanying notes are an integral part of the consolidated financial statements.
3
COMMUNITY BANK SYSTEM, INC.
  
CONSOLIDATED STATEMENTS OF INCOME (Unaudited)
  
(In Thousands, Except Per-Share Data)
  
                         
    
Three Months Ended
    
Six Months Ended
  
 
June 30,
    
June 30,
  
 
  
2016
    
2015
    
2016
    
2015
  
Interest income:
                        
Interest and fees on loans
  
$
52,509
    
$
45,791
    
$
104,159
    
$
91,382
  
Interest and dividends on taxable investments
    
14,016
      
13,288
      
27,612
      
25,348
  
  Interest on nontaxable investments
    
4,585
      
4,801
      
9,095
      
9,604
  
     Total interest income
    
71,110
      
63,880
      
140,866
      
126,334
  
                                 
Interest expense:
                                
Interest on deposits
    
1,872
      
1,731
      
3,766
      
3,531
  
Interest on borrowings
    
210
      
294
      
497
      
494
  
  Interest on subordinated debt held by unconsolidated
  subsidiary trusts
    
722
      
627
      
1,416
      
1,241
  
     Total interest expense
    
2,804
      
2,652
      
5,679
      
5,266
  
                                 
Net interest income
    
68,306
      
61,228
      
135,187
      
121,068
  
Provision for loan losses
    
2,305
      
591
      
3,646
      
1,214
  
Net interest income after provision for loan losses
    
66,001
      
60,637
      
131,541
      
119,854
  
                                 
Noninterest revenues:
                                
Deposit service fees
    
15,008
      
13,213
      
28,742
      
25,683
  
Other banking services
    
1,597
      
799
      
3,176
      
1,854
  
Employee benefit services
    
11,671
      
11,322
      
23,682
      
22,397
  
Insurance revenues
    
5,797
      
325
      
11,638
      
724
  
  Wealth management services
    
4,699
      
4,060
      
9,815
      
8,107
  
Total noninterest revenues
    
38,772
      
29,719
      
77,053
      
58,765
  
                                 
Noninterest expenses:
                                
Salaries and employee benefits
    
37,950
      
31,010
      
77,088
      
62,039
  
Occupancy and equipment
    
7,409
      
6,844
      
15,072
      
14,239
  
Data processing and communications
    
8,732
      
7,473
      
17,142
      
14,463
  
Amortization of intangible assets
    
1,403
      
880
      
2,845
      
1,799
  
Legal and professional fees
    
1,857
      
1,642
      
4,374
      
3,388
  
Office supplies and postage
    
1,846
      
1,517
      
3,623
      
3,097
  
Business development and marketing
    
2,149
      
2,258
      
4,163
      
3,822
  
FDIC insurance premiums
    
1,090
      
963
      
2,192
      
1,952
  
Acquisition expenses
    
263
      
361
      
340
      
756
  
  Other expenses
    
3,657
      
3,100
      
7,186
      
6,441
  
     Total noninterest expenses
    
66,356
      
56,048
      
134,025
      
111,996
  
                                 
Income before income taxes
    
38,417
      
34,308
      
74,569
      
66,623
  
Income taxes
    
12,560
      
10,468
      
24,309
      
20,486
  
Net income
  
$
25,857
    
$
23,840
    
$
50,260
    
$
46,137
  
 
                                
Basic earnings per share
  
$
0.58
    
$
0.58
    
$
1.14
    
$
1.13
  
Diluted earnings per share
  
$
0.58
    
$
0.58
    
$
1.13
    
$
1.12
  
Cash dividends declared per share
  
$
0.31
    
$
0.30
    
$
0.62
    
$
0.60
  


 
The accompanying notes are an integral part of the consolidated financial statements.
4
COMMUNITY BANK SYSTEM, INC.
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)
(In Thousands)
 
   
Three Months Ended
    
Six Months Ended
  
   
June 30,
    
June 30,
  
 
  
2016
    
2015
    
2016
    
2015
  
                         
Pension and other post retirement obligations:
                        
Amortization of actuarial losses included in net periodic pension cost, gross
  
$
376
    
$
363
    
$
751
    
$
727
  
Tax effect
    
(144
)
    
(140
)
    
(288
)
    
(281
)
Amortization of actuarial losses included in net periodic pension cost, net
    
232
      
223
      
463
      
446
  
                                 
Amortization of prior service cost included in net periodic pension cost, gross
    
(34
)
    
(43
)
    
(67
)
    
(85
)
Tax effect
    
13
      
16
      
25
      
33
  
Amortization of prior service cost included in net periodic pension cost, net
    
(21
)
    
(27
)
    
(42
)
    
(52
)
                                 
Other comprehensive income related to pension and other post retirement
   obligations, net of taxes
    
211
      
196
      
421
      
394
  
 
                                
Unrealized gains/(losses) on available-for-sale securities:
                                
Net unrealized holding gains/(losses) arising during period, gross
    
31,540
      
(49,589
)
    
98,796
      
(18,200
)
Tax effect
    
(12,003
)
    
19,129
      
(37,417
)
    
5,756
  
Net unrealized holding gains/(losses) arising during period, net
    
19,537
      
(30,460
)
    
61,379
      
(12,444
)
                                 
Other comprehensive income/(loss) related to unrealized gains/(losses) on
   available-for-sale securities, net of taxes
    
19,537
      
(30,460
)
    
61,379
      
(12,444
)
                                 
Other comprehensive income/(loss), net of tax
    
19,748
      
(30,264
)
    
61,800
      
(12,050
)
Net income
    
25,857
      
23,840
      
50,260
      
46,137
  
Comprehensive income/(loss)
  
$
45,605
    
$ 
(6,424
)
  
$
112,060
    
$
34,087
  
 
 
   
As of
  
   
June 30, 2016
    
December 31, 2015
  
Accumulated Other Comprehensive Income By Component:
            
             
Unrealized loss for pension and other post-retirement obligations
  
$ 
(33,663
)
  
$ 
(34,347
)
Tax effect
    
12,801
      
13,064
  
Net unrealized loss for pension and other post-retirement obligations
    
(20,862
)
    
(21,283
)
                 
Unrealized gain on available-for-sale securities
    
164,631
      
65,835
  
Tax effect
    
(62,734
)
    
(25,317
)
Net unrealized gain on available-for-sale securities
    
101,897
      
40,518
  
                 
Accumulated other comprehensive income
  
$
81,035
    
$
19,235
  


 
The accompanying notes are an integral part of the consolidated financial statements.
5
COMMUNITY BANK SYSTEM, INC.
CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited)
Six months ended June 30, 2016
(In Thousands, Except Share Data)


                           
Accumulated
              
   
Common Stock
    
Additional
          
Other
              
   
Shares
    
Amount
    
Paid-In
    
Retained
    
Comprehensive
    
Treasury
        
   
Outstanding
    
Issued
    
Capital
    
Earnings
    
Income
    
Stock
    
Total
  
                                           
Balance at December 31, 2015
    
43,774,860
    
$
44,443
    
$
528,015
    
$
566,591
    
$
19,235
    
$ 
(17,637
)
  
$
1,140,647
  
                                                         
Net income
                            
50,260
                      
50,260
  
                                                         
Other comprehensive income, net of tax
                                    
61,800
              
61,800
  
                                                         
Cash dividends declared:
                                                        
Common, $0.62 per share
                            
(27,292
)
                    
(27,292
)
                                                         
Common stock issued under
                                                        
  employee stock plan,
                                                        
  including tax benefits of $928
    
253,410
      
253
      
3,629
                              
3,882
  
                                                         
Stock-based compensation
                    
2,220
                              
2,220
  
                                                         
Treasury stock issued to benefit plan, net
    
150,425
              
1,704
                      
3,708
      
5,412
  
                                                         
Balance at June 30, 2016
    
44,178,695
    
$
44,696
    
$
535,568
    
$
589,559
    
$
81,035
    
$ 
(13,929
)
  
$
1,236,929
  



 
The accompanying notes are an integral part of the consolidated financial statements.
6
COMMUNITY BANK SYSTEM, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)
(In Thousands)
       
   
Six Months Ended
  
   
June 30,
  
 
  
2016
    
2015
  
Operating activities:
            
  Net income
  
$
50,260
    
$
46,137
  
  Adjustments to reconcile net income to net cash provided by operating activities:
                
     Depreciation
    
7,150
      
6,533
  
     Amortization of intangible assets
    
2,845
      
1,799
  
     Net accretion on securities, loans and borrowings
    
(2,240
)
    
(1,505
)
     Stock-based compensation
    
2,220
      
2,150
  
     Provision for loan losses
    
3,646
      
1,214
  
     Amortization of mortgage servicing rights
    
257
      
206
  
     Income from bank-owned life insurance policies
    
(736
)
    
(515
)
     Net (gain) loss on sale of loans and other assets
    
(318
)
    
21
  
     Change in other assets and liabilities
    
4,648
      
(2,060
)
       Net cash provided by operating activities
    
67,732
      
53,980
  
Investing activities:
                
  Proceeds from maturities of available-for-sale investment securities
    
49,500
      
89,631
  
  Proceeds from maturities of other investment securities
    
3,001
      
172
  
  Purchases of available-for-sale investment securities
    
(28,237
)
    
(448,747
)
  Purchases of other securities
    
(4,612
)
    
(10,312
)
  Net change in loans
    
(108,983
)
    
(31,173
)
  Cash paid for acquisition, net of cash acquired of $0 and $0, respectively
    
(575
)
    
0
  
  Expenditure for intangible asset
    
0
      
(100
)
  Settlement of bank-owned life insurance policies
    
2,481
      
0
  
  Purchases of premises and equipment, net
    
(5,569
)
    
(5,810
)
       Net cash used in investing activities
    
(92,994
)
    
(406,339
)
Financing activities:
                
  Net increase in deposits
    
84,380
      
151,556
  
  Net change in borrowings
    
(33,700
)
    
228,200
  
  Issuance of common stock
    
3,882
      
5,613
  
  Purchases of treasury stock
    
(716
)
    
(9,125
)
  Sales of treasury stock
    
6,128
      
4,063
  
  Cash dividends paid
    
(27,216
)
    
(24,360
)
  Tax benefits from share-based payment arrangements
    
928
      
1,063
  
       Net cash provided by financing activities
    
33,686
      
357,010
  
Change in cash and cash equivalents
    
8,424
      
4,651
  
Cash and cash equivalents at beginning of period
    
153,210
      
138,396
  
Cash and cash equivalents at end of period
  
$
161,634
    
$
143,047
  
                 
Supplemental disclosures of cash flow information:
                
  Cash paid for interest
  
$
5,689
    
$
5,321
  
  Cash paid for income taxes
    
14,174
      
13,291
  
                 
Supplemental disclosures of noncash financing and investing activities:
                
  Dividends declared and unpaid
    
13,681
      
12,247
  
  Transfers from loans to other real estate
    
1,071
      
1,830
  
  Purchase of intangible asset
    
0
      
241
  
                 


 

 
The accompanying notes are an integral part of the consolidated financial statements.
7
COMMUNITY BANK SYSTEM, INC.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS (Unaudited)
JUNE 30, 2016

NOTE A:  BASIS OF PRESENTATION

The interim financial data as of and for the three and six months ended June 30, 2016 is unaudited; however, in the opinion of Community Bank System, Inc. (the "Company"), the interim data includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for the interim periods in conformity with generally accepted accounting principles ("GAAP").  The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period.

NOTE B:  ACQUISITIONS

On January 4, 2016, the Company, through its subsidiary, CBNA Insurance Agency, Inc. ("CBNA Insurance"), completed its acquisition of WJL Agencies Inc. doing business as The Clark Insurance Agencies ("WJL"), an insurance agency operating in northern New York. The Company paid $0.6 million in cash for the intangible assets of the company.  Goodwill in the amount of $0.3 million and intangible assets in the amount of $0.3 million were recorded in conjunction with the acquisition.  The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.

On December 4, 2015, the Company completed its acquisition of Oneida Financial Corp. ("Oneida"), parent company of Oneida Savings Bank, headquartered in Oneida, New York for approximately $158 million in Company stock and cash, comprised of $56.3 million of cash and the issuance of 2.38 million shares of common stock.  Upon the completion of the merger, Community Bank, N.A. ("CBNA" or the "Bank") added 12 branch locations in Oneida and Madison counties and approximately $769 million of assets, including approximately $399 million of loans and $226 million of investment securities, along with $699 million of deposits.  Through the acquisition of Oneida, the Company acquired, among others, OneGroup NY, Inc. ("OneGroup") and Oneida Wealth Management, Inc. ("OWM") as wholly-owned subsidiaries primarily engaged in offering insurance and investment advisory services.  These subsidiaries complement the Company's other non-banking financial services businesses. The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.

The assets and liabilities assumed in the acquisitions were recorded at their estimated fair values based on management's best estimates using information available at the date of the acquisition, and were subject to adjustment based on updated information not available at the time of acquisition.  During the first quarter of 2016, the carrying amount of other assets decreased by $0.9 million and other liabilities increased by $0.7 million as a result of adjustments made to fair value estimates recorded for the Oneida acquisition. Other assets decreased as a result of new information obtained related to the fair value calculation of loans partially offset by a decrease in the fair value adjustment made to accounts receivable for uncollectible accounts as actual cash receipts exceed anticipated cash receipts.  Other liabilities increased as a result of updated information related to deferred taxes.  Goodwill increased $1.6 million as a result of these changes in fair value estimates.

The above referenced acquisitions expanded the Company's geographical presence in New York and management expects that the Company will benefit from greater geographic diversity and the advantages of other synergistic business development opportunities.

The following table summarizes the estimated fair value of the assets acquired and liabilities assumed after considering the measurement period adjustments described above:

(000s omitted)
  
2016
    
2015
  
Consideration paid :
            
   Cash
  
$
575
    
$
56,266
  
   Community Bank System, Inc. common stock
    
0
      
102,202
  
   Total net consideration paid
    
575
      
158,468
  
Recognized amounts of identifiable assets acquired and liabilities assumed:
                
   Cash and cash equivalents
    
0
      
81,772
  
   Investment securities
    
0
      
225,729
  
   Loans
    
0
      
399,422
  
   Premises and equipment
    
0
      
22,212
  
   Accrued interest receivable
    
0
      
1,133
  
   Other assets
    
0
      
26,529
  
   Core deposit intangibles
    
0
      
2,570
  
   Other intangibles
    
288
      
9,994
  
   Deposits
    
0
      
(699,241
)
   Other liabilities
    
0
      
(1,333
)
  Total identifiable assets, net
    
288
      
68,787
  
     Goodwill
  
$
287
    
$
89,681
  
 
 
8
Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments were aggregated by comparable characteristics and  recorded at fair value without a carryover of the related allowance for loan losses.  Cash flows for each loan were determined using an estimate of credit losses and an estimated rate of prepayments.  Projected monthly cash flows were then discounted to present value using a market-based discount rate.  The excess of the undiscounted expected cash flows over the estimated fair value is referred to as the "accretable yield" and is recognized into interest income over the remaining lives of the acquired loans.

The following is a summary of the loans acquired from Oneida at the date of acquisition:

   
Acquired
    
Acquired
    
Total
  
   
Impaired
    
Non-impaired
    
Acquired
  
(000s omitted)
  
Loans
    
Loans
    
Loans
  
Contractually required principal and interest at acquisition
  
$
5,138
    
$
484,937
    
$
490,075
  
Contractual cash flows not expected to be collected
    
(1,977
)
    
(4,833
)
    
(6,810
)
    Expected cash flows at acquisition
    
3,161
      
480,104
      
483,265
  
Interest component of expected cash flows
    
(341
)
    
(83,502
)
    
(83,843
)
   Fair value of acquired loans
  
$
2,820
    
$
396,602
    
$
399,422
  

The fair value of checking, savings and money market deposit accounts acquired were assumed to approximate the carrying value as these accounts have no stated maturity and are payable on demand.  Certificate of deposit accounts were valued at the present value of the certificates' expected contractual payments discounted at market rates for similar certificates.

The core deposit intangibles and other intangibles related to the Oneida acquisition and the other intangibles related to WJL are being amortized using an accelerated method over their estimated useful life of eight years.  The goodwill, which is not amortized for book purposes, was assigned to the Banking and All Other segments for the Oneida acquisition and the All Other segment for WJL.  Goodwill arising from the Oneida acquisition is not deductible for tax purposes.  Goodwill arising from the WJL acquisition is deductible for tax purposes.

Direct costs related to the acquisitions were expensed as incurred.  Merger and acquisition integration-related expenses amount to $0.3 million and $0.4 million during the three months ended June 30, 2016 and 2015 and $0.3 million and $0.8 million for the six months ended June 30, 2016 and 2015, respectively, and have been separately stated in the Consolidated Statements of Income.

Supplemental Pro Forma Financial Information
The following unaudited condensed pro forma information assumes the Oneida acquisition had been completed as of January 1, 2015 for the three months and six months ended June 30, 2015.  The pro forma information does not include amounts related to WJL as the amounts were immaterial and financial information is not readily available. The table below has been prepared for comparative purposes only and is not necessarily indicative of the actual results that would have been attained had the acquisition occurred as of the beginning of the years presented, nor is it indicative of the Company's future results. Furthermore, the unaudited pro forma information does not reflect management's estimate of any revenue-enhancing opportunities nor anticipated cost savings or the impact of conforming certain acquiree accounting policies to the Company's policies that may have occurred as a result of the integration and consolidation of the acquisitions.

 
The pro forma information set forth below reflects the historical results of Oneida combined with the Company's consolidated statement of income with adjustments related to (a) certain purchase accounting fair value adjustments; (b) amortization of customer lists and core deposit intangibles and (c) changes to effective tax rate as a result of the Company's assets size being above $8 billion on a consolidated basis.  Acquisition-related expenses totaling $0.4 million and $0.8 million are excluded from the pro forma information for the three and six months ended June 30, 2015, respectively.
             
(000's omitted)
  
Pro Forma (Unaudited)
Three Months Ended
June 30, 2015
    
Pro Forma (Unaudited)
Six Months Ended
June 30, 2015
  
Total revenue, net of interest expense
  
$
104,069
    
$
207,010
  
Net income
    
24,770
      
48,501
  

9

NOTE C:  ACCOUNTING POLICIES

The accounting policies of the Company, as applied in the consolidated interim financial statements presented herein, are substantially the same as those followed on an annual basis as presented on pages 56 through 61 of the Annual Report on Form 10-K for the year ended December 31, 2015 filed with the Securities and Exchange Commission ("SEC") on February 29, 2016.

Critical Accounting Policies

Acquired Loans
Acquired loans are initially recorded at their acquisition date fair values.  The carryover of allowance for loan losses is prohibited as any credit losses in the loans are included in the determination of the fair value of the loans at the acquisition date. Fair values for acquired loans are based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.

Acquired Impaired Loans
Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments are accounted for as impaired loans under Accounting Standards Codification ("ASC") 310-30.  The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loans using the interest method. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount. The non-accretable discount represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.

Acquired loans that met the criteria for non-accrual of interest prior to acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, the Company may no longer consider the loans to be non-accrual or non-performing and may accrue interest on these loans, including the impact of any accretable discount.

Acquired Non-impaired Loans
Acquired loans that do not meet the requirements under ASC 310-30 are considered acquired non-impaired loans. The difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Fair value adjustments may be discounts (or premiums) to a loan's cost basis and are accreted (or amortized) to net interest income (or expense) over the loan's remaining life in accordance with ASC 310-20. Fair value adjustments for revolving loans are accreted (or amortized) using a straight line method. Term loans are accreted (or amortized) using the constant effective yield method.

Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans are consistent with the policy described below.  However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.  The carrying value represents the net of the loan's unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.  When the carrying value exceeds the net realizable value, an allowance for loan loss is recognized.

Allowance for Loan Losses
Management continually evaluates the credit quality of the Company's loan portfolio, and performs a formal review of the adequacy of the allowance for loan losses on a quarterly basis.  The allowance reflects management's best estimate of probable losses inherent in the loan portfolio.  Determination of the allowance is subjective in nature and requires significant estimates.   The Company's allowance methodology consists of two broad components - general and specific loan loss allocations.

10

 
The general loan loss allocation is composed of two calculations that are computed on five main loan segments:  business lending; consumer direct; consumer indirect; home equity; and consumer mortgage.  The first calculation is quantitative and determines an allowance level based on the latest 36 months of historical net charge-off data for each loan class (commercial loans exclude balances with specific loan loss allocations).  The second calculation is qualitative and takes into consideration eight qualitative environmental factors:  levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.    A component of the qualitative calculation is the unallocated allowance for loan loss.  The qualitative and quantitative calculations are added together to determine the general loan loss allocation.  The specific loan loss allocation relates to individual commercial loans that are both greater than $0.5 million and in a nonaccruing status with respect to interest.  Specific loan losses are based on discounted estimated cash flows, including any cash flows resulting from the conversion of collateral or collateral shortfalls.  The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances and allowances needed for acquired loans to derive the total required allowance for loan losses to be reflected on the Consolidated Statement of Condition.

Loan losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance.  A provision for loan losses is charged to operations based on management's periodic evaluation of factors previously mentioned.

Investment Securities
The Company can classify its investments in debt and equity securities as held-to-maturity, available-for-sale, or trading.  Held-to-maturity securities are those for which the Company has the positive intent and ability to hold until maturity, and are reported at cost, which is adjusted for amortization of premiums and accretion of discounts.  Securities classified as available-for-sale are reported at fair value with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of applicable income taxes.  None of the Company's investment securities have been classified as trading securities at June 30, 2016.  Certain equity securities are stated at cost and include restricted stock of the Federal Reserve Bank of New York ("Federal Reserve") and Federal Home Loan Bank of New York ("FHLB").

Fair values for investment securities are based upon quoted market prices, where available.  If quoted market prices are not available, fair values are based upon quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.

The Company conducts an assessment of all securities in an unrealized loss position to determine if other-than-temporary impairment ("OTTI") exists on a quarterly basis. An unrealized loss exists when the current fair value of an individual security is less than its amortized cost basis.  The OTTI assessment considers the security structure, recent security collateral performance metrics, if applicable, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment about, and expectations of, future performance, and relevant independent industry research, analysis and forecasts. The severity of the impairment and the length of time the security has been impaired is also considered in the assessment.  The assessment of whether an OTTI decline exists is performed on each security, regardless of the classification of the security as available-for-sale or held-to-maturity and involves a high degree of subjectivity and judgment that is based on the information available to management at a point in time.

An OTTI loss must be recognized for a debt security in an unrealized loss position if there is intent to sell the security or it is more likely than not the Company will be required to sell the security prior to recovery of its amortized cost basis. In this situation, the amount of loss recognized in income is equal to the difference between the fair value and the amortized cost basis of the security. Even if management does not have the intent, and it is not more likely than not that the Company will be required to sell the securities, an evaluation of the expected cash flows to be received is performed to determine if a credit loss has occurred. For debt securities, a critical component of the evaluation for OTTI is the identification of credit-impaired securities, where the Company does not expect to receive cash flows sufficient to recover the entire amortized cost basis of the security.  In the event of a credit loss, only the amount of impairment associated with the credit loss would be recognized in income. The portion of the unrealized loss relating to other factors, such as liquidity conditions in the market or changes in market interest rates, is recorded in accumulated other comprehensive loss.

Equity securities are also evaluated to determine whether the unrealized loss is expected to be recoverable based on whether evidence exists to support a realizable value equal to or greater than the amortized cost basis. If it is probable that the amortized cost basis will not be recovered, taking into consideration the estimated recovery period and the ability to hold the equity security until recovery, OTTI is recognized in earnings equal to the difference between the fair value and the amortized cost basis of the security.

The specific identification method is used in determining the realized gains and losses on sales of investment securities and OTTI charges.  Premiums and discounts on securities are amortized and accreted, respectively, on the interest method basis over the period to maturity or estimated life of the related security.  Purchases and sales of securities are recognized on a trade date basis.

11

 
Intangible Assets
Intangible assets include core deposit intangibles, customer relationship intangibles and goodwill arising from acquisitions. Core deposit intangibles and customer relationship intangibles are amortized on either an accelerated or straight-line basis over periods ranging from seven to 20 years. The initial and ongoing carrying value of goodwill and other intangible assets is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.  It also requires use of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, peer volatility indicators, and company-specific risk indicators.

The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.  The implied fair value of a reporting unit's goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value over fair value.  The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.

Retirement Benefits
The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.  The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees, officers, and directors.  Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including discount rate, rate of future compensation increases, and expected return on plan assets.

New Accounting Pronouncements
In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606).  This new guidance supersedes the revenue recognition requirements in ASC 605, Revenue Recognition, and is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects consideration to which the entity expects to be entitled in exchange for those goods and services. The ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract.  This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2017.  The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.

In January 2016, the FASB issued ASU 2016-1, Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. This guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The primary focus of this guidance is to supersede the guidance to classify equity securities with readily determinable fair values into different categories (trading or available-for-sale) and requires equity securities to be measured at fair value with changes in the fair value recognized through net income. This guidance requires adoption through a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption.  This ASU is effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years.  Early adoption is permitted for all companies in any interim or annual period. The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.

In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842). This new guidance supersedes the lease requirements in Topic 840, Leases and is based on the principle that a lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term.  The accounting applied by a lessor is largely unchanged from that applied under the previous guidance.  In addition, the guidance requires an entity to separate the lease components from the nonlease components in a contract.  The ASU requires disclosures about the amount, timing, and judgments related to a reporting entity's accounting for leases and related cash flows.  The standard is required to be applied to all leases in existence as of the date of adoption using a modified retrospective transition approach.  This guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early adoption is permitted for all companies in any interim or annual period.  The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.

In March 2016, the FASB issued ASU 2016-09, Compensation – Stock Compensation (Topic 718).  The amendments simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities and classification on the statement of cash flows.  The new guidance requires all excess tax benefits and tax deficiencies be recognized as income tax expense or benefit in the income statement.  The tax effects of exercised or vested awards should be treated as discrete items in the reporting period in which they occur. This guidance requires certain amendments to be applied through a cumulative-effect adjustment to equity as of the beginning of the fiscal period in which the guidance is adopted while other amendments are required to be applied retrospectively or prospectively.  This ASU is effective for fiscal periods beginning after December 15, 2016, and interim periods within those annual periods.  Early adoption is permitted for any entity in any interim or annual period.   The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.
 
12
 
In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326).  This new guidance significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income.  This ASU will replace the "incurred loss" model under existing guidance with an "expected loss" model for instruments measured at amortized cost, and require entities to record allowances for available-for-sale debt securities rather than reduce the carrying amount, as they do today under the other-than-temporary impairment model.  This ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans.  This guidance requires adoption through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is adopted.  This ASU is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years.  Early adoption is permitted for all companies as of fiscal years beginning after December 15, 2018, including interim periods within those fiscal years.  The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.
 
NOTE D:  INVESTMENT SECURITIES

The amortized cost and estimated fair value of investment securities as of June 30, 2016 and December 31, 2015 are as follows:

   
June 30, 2016
    
December 31, 2015
  
         
Gross
    
Gross
                
Gross
    
Gross
        
   
Amortized
    
Unrealized
    
Unrealized
    
Fair
    
Amortized
    
Unrealized
    
Unrealized
    
Fair
  
(000's omitted)
  
Cost
    
Gains
    
Losses
    
Value
    
Cost
    
Gains
    
Losses
    
Value
  
Available-for-Sale Portfolio:
                                                
U.S. Treasury and agency securities
  
$
1,871,049
    
$
121,608
    
$
0
    
$
1,992,657
    
$
1,866,819
    
$
35,186
    
$
2,027
    
$
1,899,978
  
Obligations of state and political subdivisions
    
611,129
      
34,360
      
1
      
645,488
      
640,455
      
26,487
      
59
      
666,883
  
Government agency mortgage-backed securities
    
215,191
      
8,235
      
287
      
223,139
      
205,220
      
6,906
      
1,261
      
210,865
  
Corporate debt securities
    
16,606
      
54
      
0
      
16,660
      
16,672
      
66
      
58
      
16,680
  
Government agency collateralized mortgage obligations
    
11,006
      
496
      
0
      
11,502
      
12,862
      
446
      
0
      
13,308
  
Marketable equity securities
    
251
      
187
      
21
      
417
      
250
      
163
      
14
      
399
  
     Total available-for-sale portfolio
  
$
2,725,232
    
$
164,940
    
$
309
    
$
2,889,863
    
$
2,742,278
    
$
69,254
    
$
3,419
    
$
2,808,113
  
                                                                 
Other Securities:
                                                                
Federal Home Loan Bank common stock
  
$
17,732
                    
$
17,732
    
$
19,317
                    
$
19,317
  
Federal Reserve Bank common stock
    
19,780
                      
19,780
      
16,050
                      
16,050
  
Other equity securities
    
3,926
                      
3,926
      
4,460
                      
4,460
  
     Total other securities
  
$
41,438
                    
$
41,438
    
$
39,827
                    
$
39,827
  

A summary of investment securities that have been in a continuous unrealized loss position is as follows:

As of June 30, 2016
   
Less than 12 Months
    
12 Months or Longer
    
Total
  
               
Gross
                
Gross
                
Gross
  
         
Fair
    
Unrealized
          
Fair
    
Unrealized
          
Fair
    
Unrealized
  
(000's omitted)
    
#
    
Value
    
Losses
      
#
    
Value
    
Losses
      
#
    
Value
    
Losses
  
                                                             
Available-for-Sale Portfolio:
                                                            
 Obligations of state and political subdivisions
    
3
    
$
842
    
$
1
      
0
    
$
0
    
$
0
      
3
    
$
842
    
$
1
  
 Government agency mortgage-backed securities
    
5
      
1,128
      
9
      
14
      
23,688
      
278
      
19
      
24,816
      
287
  
 Corporate debt securities
    
1
      
3,000
      
0
      
0
      
0
      
0
      
1
      
3,000
      
0
  
 Government agency collateralized mortgage obligations
    
0
      
0
      
0
      
2
      
3
      
0
      
2
      
3
      
0
  
 Marketable equity securities
    
1
      
79
      
21
      
0
      
0
      
0
      
1
      
79
      
21
  
    Total available-for-sale investment portfolio
    
10
    
$
5,049
    
$
31
      
16
    
$
23,691
    
$
278
      
26
    
$
28,740
    
$
309
  
13


As of December 31, 2015
   
Less than 12 Months
    
12 Months or Longer
    
Total
  
               
Gross
                
Gross
                
Gross
  
         
Fair
    
Unrealized
          
Fair
    
Unrealized
          
Fair
    
Unrealized
  
(000's omitted)
    
#
    
Value
    
Losses
      
#
    
Value
    
Losses
      
#
    
Value
    
Losses
  
                                                             
Available-for-Sale Portfolio:
                                                            
 U.S. Treasury and agency obligations
    
9
    
$
353,844
    
$
2,027
      
0
    
$
0
    
$
0
      
9
    
$
353,844
    
$
2,027
  
 Obligations of state and political subdivisions
    
18
      
8,804
      
34
      
2
      
735
      
25
      
20
      
9,539
      
59
  
 Government agency mortgage-backed securities
    
17
      
24,178
      
161
      
19
      
30,103
      
1,100
      
36
      
54,281
      
1,261
  
 Corporate debt securities
    
1
      
3,024
      
0
      
1
      
2,710
      
58
      
2
      
5,734
      
58
  
 Government agency collateralized mortgage obligations
    
0
      
0
      
0
      
2
      
3
      
0
      
2
      
3
      
0
  
 Marketable equity securities
    
1
      
87
      
14
      
0
      
0
      
0
      
1
      
87
      
14
  
    Total available-for-sale investment portfolio
    
46
    
$
389,937
    
$
2,236
      
24
    
$
33,551
    
$
1,183
      
70
    
$
423,488
    
$
3,419
  

The unrealized losses reported pertaining to securities issued by the U.S. government and its sponsored entities, include treasuries, agencies, and mortgage-backed securities issued by the Government National Mortgage Association ("GNMA"), the Federal National Mortgage Association ("FNMA"), and the Federal Home Loan Corporation ("FHLMC"), which are currently rated AAA by Moody's Investor Services, AA+ by Standard & Poor's and are guaranteed by the U.S. government. The majority of the obligations of state and political subdivisions and corporations carry a credit rating of A or better.  Additionally, a majority of the obligations of state and political subdivisions carry a secondary level of credit enhancement. The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to recovery of the amortized cost. The unrealized losses in the portfolios are primarily attributable to changes in interest rates.  As such, management does not believe any individual unrealized loss as of June 30, 2016 represents OTTI.

The amortized cost and estimated fair value of debt securities at June 30, 2016, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately.

   
Available-for-Sale
  
   
Amortized
    
Fair
  
(000's omitted)
  
Cost
    
Value
  
Due in one year or less
  
$
46,761
    
$
47,048
  
Due after one through five years
    
775,417
      
815,276
  
Due after five years through ten years
    
1,465,017
      
1,564,831
  
Due after ten years
    
211,589
      
227,650
  
     Subtotal
    
2,498,784
      
2,654,805
  
Government agency mortgage-backed securities
    
215,191
      
223,139
  
Government agency collateralized mortgage obligations
    
11,006
      
11,502
  
     Total
  
$
2,724,981
    
$
2,889,446
  

NOTE E:  LOANS

The segments of the Company's loan portfolio are disaggregated into the following classes that allow management to monitor risk and performance:
·
Consumer mortgages consist primarily of fixed rate residential instruments, typically 10 – 30 years in contractual term, secured by first liens on real property.
·
Business lending is comprised of general purpose commercial and industrial loans including, but not limited to, agricultural-related and dealer floor plans, as well as mortgages on commercial properties.
·
Consumer indirect consists primarily of installment loans originated through selected dealerships and are secured by automobiles, marine and other recreational vehicles.
·
Consumer direct consists of all other loans to consumers such as personal installment loans and lines of credit.
·
Home equity products are consumer purpose installment loans or lines of credit most often secured by a first or second lien position on residential real estate with terms up to 30 years.

 
14

The balances of these classes are summarized as follows:
   
June 30,
    
December 31,
  
(000's omitted)
  
2016
    
2015
  
Consumer mortgage
  
$
1,779,295
    
$
1,769,754
  
Business lending
    
1,536,546
      
1,497,271
  
Consumer indirect
    
993,132
      
935,760
  
Consumer direct
    
195,959
      
195,076
  
Home equity
    
399,870
      
403,514
  
  Gross loans, including deferred origination costs
    
4,904,802
      
4,801,375
  
Allowance for loan losses
    
(46,526
)
    
(45,401
)
Loans, net of allowance for loan losses
  
$
4,858,276
    
$
4,755,974
  

The outstanding balance related to credit impaired acquired loans was $8.1 million and $8.5 million at June 30, 2016 and December 31, 2015, respectively.  The changes in the accretable discount related to the credit impaired acquired loans are as follows:

(000's omitted)
      
Balance at December 31, 2015
  
$
810
  
Accretion recognized, year-to-date
    
(252
)
Net reclassification to accretable from non-accretable
    
116
  
Balance at June 30, 2016
  
$
674
  

Credit Quality
Management monitors the credit quality of its loan portfolio on an ongoing basis.  Measurement of delinquency and past due status are based on the contractual terms of each loan.  Past due loans are reviewed on a monthly basis to identify loans for non-accrual status.  The following is an aged analysis of the Company's past due loans, by class as of June 30, 2016:

Legacy Loans (excludes loans acquired after January 1, 2009)

   
Past Due
    
90+ Days Past
                          
   
30 – 89
    
Due and
          
Total
              
(000's omitted)
  
Days
    
Still Accruing
    
Nonaccrual
    
Past Due
    
Current
    
Total Loans
  
Consumer mortgage
  
$
9,857
    
$
1,018
    
$
11,621
    
$
22,496
    
$
1,581,063
    
$
1,603,559
  
Business lending
    
5,660
      
342
      
4,714
      
10,716
      
1,279,860
      
1,290,576
  
Consumer indirect
    
9,356
      
142
      
0
      
9,498
      
946,646
      
956,144
  
Consumer direct
    
1,179
      
26
      
0
      
1,205
      
182,127
      
183,332
  
Home equity
    
815
      
45
      
1,924
      
2,784
      
303,665
      
306,449
  
Total
  
$
26,867
    
$
1,573
    
$
18,259
    
$
46,699
    
$
4,293,361
    
$
4,340,060
  

Acquired Loans (includes loans acquired after January 1, 2009)

   
Past Due
    
90+ Days Past
                                
   
30 – 89
    
Due and
          
Total
    
Acquired
              
(000's omitted)
  
Days
    
Still Accruing
    
Nonaccrual
    
Past Due
    
Impaired(1)
    
Current
    
Total Loans
  
Consumer mortgage
  
$
1,565
    
$
270
    
$
2,223
    
$
4,058
    
$
0
    
$
171,678
    
$
175,736
  
Business lending
    
340
      
0
      
1,260
      
1,600
      
7,008
      
237,362
      
245,970
  
Consumer indirect
    
168
      
0
      
0
      
168
      
0
      
36,820
      
36,988
  
Consumer direct
    
84
      
0
      
0
      
84
      
0
      
12,543
      
12,627
  
Home equity
    
684
      
66
      
408
      
1,158
      
0
      
92,263
      
93,421
  
Total
  
$
2,841
    
$
336
    
$
3,891
    
$
7,068
    
$
7,008
    
$
550,666
    
$
564,742
  

 
(1)
Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
 

 
15
 
The following is an aged analysis of the Company's past due loans by class as of December 31, 2015:

Legacy Loans (excludes loans acquired after January 1, 2009)

   
Past Due
    
90+ Days Past
                          
   
30 – 89
    
Due and
          
Total
              
(000's omitted)
  
Days
    
Still Accruing
    
Nonaccrual
    
Past Due
    
Current
    
Total Loans
  
Consumer mortgage
  
$
10,482
    
$
1,411
    
$
11,394
    
$
23,287
    
$
1,558,171
    
$
1,581,458
  
Business lending
    
4,442
      
126
      
5,381
      
9,949
      
1,223,679
      
1,233,628
  
Consumer indirect
    
11,575
      
102
      
0
      
11,677
      
878,662
      
890,339
  
Consumer direct
    
1,414
      
51
      
1
      
1,466
      
176,585
      
178,051
  
Home equity
    
1,093
      
111
      
2,029
      
3,233
      
297,012
      
300,245
  
Total
  
$
29,006
    
$
1,801
    
$
18,805
    
$
49,612
    
$
4,134,109
    
$
4,183,721
  

Acquired Loans (includes loans acquired after January 1, 2009)

   
Past Due
    
90+ Days Past
                                
   
30 – 89
    
Due and
          
Total
    
Acquired
              
(000's omitted)
  
Days
    
Still Accruing
    
Nonaccrual
    
Past Due
    
Impaired(1)
    
Current
    
Total Loans
  
Consumer mortgage
  
$
1,373
    
$
394
    
$
1,396
    
$
3,163
    
$
0
    
$
185,133
    
$
188,296
  
Business lending
    
535
      
0
      
1,186
      
1,721
      
7,299
      
254,623
      
263,643
  
Consumer indirect
    
245
      
0
      
0
      
245
      
0
      
45,176
      
45,421
  
Consumer direct
    
140
      
0
      
14
      
154
      
0
      
16,871
      
17,025
  
Home equity
    
636
      
0
      
327
      
963
      
0
      
102,306
      
103,269
  
Total
  
$
2,929
    
$
394
    
$
2,923
    
$
6,246
    
$
7,299
    
$
604,109
    
$
617,654
  
 
 
(1)
Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
 
The Company uses several credit quality indicators to assess credit risk in an ongoing manner.  The Company's primary credit quality indicator for its business lending portfolio is an internal credit risk rating system that categorizes loans as "pass", "special mention",  "classified", or "doubtful".  Credit risk ratings are applied individually to those classes of loans that have significant or unique credit characteristics that benefit from a case-by-case evaluation.  In general, the following are the definitions of the Company's credit quality indicators:

 
Pass
 
The condition of the borrower and the performance of the loans are satisfactory or better.
 
Special Mention
 
The condition of the borrower has deteriorated although the loan performs as agreed.
 
Classified
 
The condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate, if deficiencies are not corrected.
 
Doubtful
The condition of the borrower has deteriorated to the point that collection of the balance is improbable based on current facts and conditions.
 
The following table shows the amount of business lending loans by credit quality category:

   
June 30, 2016
    
December 31, 2015
  
(000's omitted)
  
Legacy
    
Acquired
    
Total
    
Legacy
    
Acquired
    
Total
  
Pass
  
$
1,082,841
    
$
186,526
    
$
1,269,367
    
$
1,048,364
    
$
219,374
    
$
1,267,738
  
Special mention
    
135,172
      
31,724
      
166,896
      
124,768
      
20,007
      
144,775
  
Classified
    
72,283
      
20,712
      
92,995
      
60,181
      
16,963
      
77,144
  
Doubtful
    
280
      
0
      
280
      
315
      
0
      
315
  
Acquired impaired
    
0
      
7,008
      
7,008
      
0
      
7,299
      
7,299
  
Total
  
$
1,290,576
    
$
245,970
    
$
1,536,546
    
$
1,233,628
    
$
263,643
    
$
1,497,271
  
 
16
 
All other loans are underwritten and structured using standardized criteria and characteristics, primarily payment performance, and are normally risk rated and monitored collectively on a monthly basis.  These are typically loans to individuals in the consumer categories and are delineated as either performing or nonperforming.   Performing loans include loans classified as current as well as those classified as 30 - 89 days past due.  Nonperforming loans include 90+ days past due and still accruing and nonaccrual loans. The following table details the balances in all other loan categories at June 30, 2016:

Legacy Loans (excludes loans acquired after January 1, 2009)
   
Consumer
    
Consumer
    
Consumer
    
Home
        
(000's omitted)
  
Mortgage
    
Indirect
    
Direct
    
Equity
    
Total
  
Performing
  
$
1,590,920
    
$
956,002
    
$
183,306
    
$
304,480
    
$
3,034,708
  
Nonperforming
    
12,639
      
142
      
26
      
1,969
      
14,776
  
Total
  
$
1,603,559
    
$
956,144
    
$
183,332
    
$
306,449
    
$
3,049,484
  

Acquired Loans (includes loans acquired after January 1, 2009)

   
Consumer
    
Consumer
    
Consumer
    
Home
        
(000's omitted)
  
Mortgage
    
Indirect
    
Direct
    
Equity
    
Total
  
Performing
  
$
173,243
    
$
36,988
    
$
12,627
    
$
92,947
    
$
315,805
  
Nonperforming
    
2,493
      
0
      
0
      
474
      
2,967
  
Total
  
$
175,736
    
$
36,988
    
$
12,627
    
$
93,421
    
$
318,772
  

The following table details the balances in all other loan categories at December 31, 2015:

Legacy Loans (excludes loans acquired after January 1, 2009)

   
Consumer
    
Consumer
    
Consumer
    
Home
        
(000's omitted)
  
Mortgage
    
Indirect
    
Direct
    
Equity
    
Total
  
Performing
  
$
1,568,653
    
$
890,237
    
$
177,999
    
$
298,105
    
$
2,934,994
  
Nonperforming
    
12,805
      
102
      
52
      
2,140
      
15,099
  
Total
  
$
1,581,458
    
$
890,339
    
$
178,051
    
$
300,245
    
$
2,950,093
  

Acquired Loans (includes loans acquired after January 1, 2009)

   
Consumer
    
Consumer
    
Consumer
    
Home
        
(000's omitted)
  
Mortgage
    
Indirect
    
Direct
    
Equity
    
Total
  
Performing
  
$
186,506
    
$
45,421
    
$
17,011
    
$
102,942
    
$
351,880
  
Nonperforming
    
1,790
      
0
      
14
      
327
      
2,131
  
Total
  
$
188,296
    
$
45,421
    
$
17,025
    
$
103,269
    
$
354,011
  

All loan classes are collectively evaluated for impairment except business lending, as described in Note C.  A summary of individually evaluated impaired loans as of June 30, 2016 and December 31, 2015 follows:

   
June 30,
    
December 31,
  
(000's omitted)
  
2016
    
2015
  
Loans with allowance allocation
  
$
1,187
    
$
0
  
Loans without allowance allocation
    
601
      
2,376
  
Unpaid principal balance
    
1,788
      
2,376
  
Contractual balance
    
3,401
      
3,419
  
Allowance for loan loss allocated
    
255
      
0
  

In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans.  In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan.  Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring ("TDR") has occurred, which is when, for economic or legal reasons related to a borrower's financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider.  Terms may be modified to fit the ability of the borrower to repay in line with its current financial standing and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two.

In accordance with the clarified guidance issued by the Office of the Comptroller of the Currency ("OCC"), loans that have been discharged in Chapter 7 bankruptcy but not reaffirmed by the borrower, are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified.  The Company's lien position against the underlying collateral remains unchanged.  Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral.  The amount of loss incurred in the three and six months ended June 30, 2016 and 2015 was immaterial.
 
17
TDRs that are less than $0.5 million are collectively included in the general loan loss allocation and the qualitative review.  TDRs that are commercial loans and greater than $0.5 million are individually evaluated for impairment, and if necessary, a specific allocation of the allowance for loan losses is provided.  As a result, the determination of the amount of allowance for loan losses related to TDRs is the same as detailed in the critical accounting policies.

Information regarding TDRs as of June 30, 2016 and December 31, 2015 is as follows:

   
June 30, 2016
    
December 31, 2015
  
(000's omitted)
  
Nonaccrual
    
Accruing
    
Total
    
Nonaccrual
    
Accruing
    
Total
  
     
#
    
Amount
      
#
    
Amount
      
#
    
Amount
      
#
    
Amount
      
#
    
Amount
      
#
    
Amount
  
Consumer mortgage
    
43
    
$
1,979
      
44
    
$
2,227
      
87
    
$
4,206
      
37
    
$
1,472
      
54
    
$
2,486
      
91
    
$
3,958
  
Business lending
    
10
      
234
      
5
      
708
      
15
      
942
      
8
      
217
      
6
      
737
      
14
      
954
  
Consumer indirect
    
0
      
0
      
83
      
806
      
83
      
806
      
0
      
0
      
77
      
691
      
77
      
691
  
Consumer direct
    
0
      
0
      
10
      
71
      
10
      
71
      
0
      
0
      
32
      
37
      
32
      
37
  
Home equity
    
14
      
240
      
12
      
261
      
26
      
501
      
10
      
203
      
14
      
301
      
24
      
504
  
Total
    
67
    
$
2,453
      
154
    
$
4,073
      
221
    
$
6,526
      
55
    
$
1,892
      
183
    
$
4,252
      
238
    
$
6,144
  


 
 
 
 
 
 
 
 
 
The following table presents information related to loans modified in a TDR during the three months and six months ended June 30, 2016 and 2015.  Of the loans noted in the table below, all loans for the three months and six months ended June 30, 2016 and 2015 were modified due to a Chapter 7 bankruptcy as described previously.  The financial effects of these restructurings were immaterial.

   
Three Months Ended June 30, 2016
    
Three Months Ended June 30, 2015
  
(000's omitted)
  
Number of loans modified
    
Outstanding Balance
    
Number of loans modified
    
Outstanding Balance
  
Consumer mortgage
    
5
    
$
437
      
2
    
$
61
  
Business lending
    
2
      
51
      
0
      
0
  
Consumer indirect
    
9
      
118
      
6
      
84
  
Consumer direct
    
1
      
52
      
1
      
1
  
Home equity
    
3
      
73
      
0
      
0
  
Total
    
20
    
$
731
      
9
    
$
146
  
 
   
Six Months Ended June 30, 2016
    
Six Months Ended June 30, 2015
  
(000's omitted)
  
Number of loans modified
    
Outstanding Balance
    
Number of loans modified
    
Outstanding Balance
  
Consumer mortgage
    
8
    
$
652
      
6
    
$
280
  
Business lending
    
2
      
51
      
0
      
0
  
Consumer indirect
    
20
      
331
      
12
      
163
  
Consumer direct
    
1
      
52
      
2
      
4
  
Home equity
    
4
      
73
      
1
      
14
  
Total
    
35
    
$
1,159
      
21
    
$
461
  

Allowance for Loan Losses

The allowance for loan losses is general in nature and is available to absorb losses from any loan type despite the analysis below.  The following presents by class the activity in the allowance for loan losses:

   
Three Months Ended June 30, 2016
  
   
Consumer
    
Business
    
Consumer
    
Consumer
    
Home
          
Acquired
        
(000's omitted)
  
Mortgage
    
Lending
    
Indirect
    
Direct
    
Equity
    
Unallocated
    
Impaired
    
Total
  
Beginning balance
  
$
10,148
    
$
16,695
    
$
12,334
    
$
2,875
    
$
2,580
    
$
879
    
$
85
    
$
45,596
  
Charge-offs
    
(156
)
    
(770
)
    
(1,545
)
    
(389
)
    
(80
)
    
0
      
(26
)
    
(2,966
)
Recoveries
    
38
      
156
      
1,140
      
238
      
19
      
0
      
0
      
1,591
  
Provision
    
(177
)
    
868
      
1,286
      
296
      
(19
)
    
(29
)
    
80
      
2,305
  
Ending balance
  
$
9,853
    
$
16,949
    
$
13,215
    
$
3,020
    
$
2,500
    
$
850
    
$
139
    
$
46,526
  
18
 
       
   
Three Months Ended June 30, 2015
  
   
Consumer
    
Business
    
Consumer
    
Consumer
    
Home
          
Acquired
        
(000's omitted)
  
Mortgage
    
Lending
    
Indirect
    
Direct
    
Equity
    
Unallocated
    
Impaired
    
Total
  
Beginning balance
  
$
10,233
    
$
15,405
    
$
11,246
    
$
2,879
    
$
2,663
    
$
2,383
    
$
196
    
$
45,005
  
Charge-offs
    
(199
)
    
(299
)
    
(1,397
)
    
(294
)
    
(56
)
    
0
      
(43
)
    
(2,288
)
Recoveries
    
45
      
527
      
1,184
      
199
      
19
      
0
      
0
      
1,974
  
Provision
    
113
      
(280
)
    
569
      
207
      
51
      
(9
)
    
(60
)
    
591
  
Ending balance
  
$
10,192
    
$
15,353
    
$
11,602
    
$
2,991
    
$
2,677
    
$
2,374
    
$
93
    
$
45,282
  
       
   
Six Months Ended June 30, 2016
  
   
Consumer
    
Business
    
Consumer
    
Consumer
    
Home
            
Acquired
          
(000's omitted)
  
Mortgage
    
Lending
    
Indirect
    
Direct
    
Equity
    
Unallocated
    
Impaired
    
Total
  
Beginning balance
  
$
10,198
    
$
15,749
    
$
12,422
    
$
2,997
    
$
2,666
    
$
1,201
    
$
168
    
$
45,401
  
Charge-offs
    
(243
)
    
(979
)
    
(3,401
)
    
(852
)
    
(137
)
    
0
      
(26
)
    
(5,638
)
Recoveries
    
83
      
291
      
2,255
      
460
      
28
      
0
      
0
      
3,117
  
Provision
    
(185
)
    
1,888
      
1,939
      
415
      
(57
)
    
(351
)
    
(3
)
    
3,646
  
Ending balance
  
$
9,853
    
$
16,949
    
$
13,215
    
$
3,020
    
$
2,500
    
$
850
    
$
139
    
$
46,526
  
                                                                 
   
Six Months Ended June 30, 2015
  
   
Consumer
    
Business
    
Consumer
    
Consumer
    
Home
            
Acquired
          
(000's omitted)
  
Mortgage
    
Lending
    
Indirect
    
Direct
    
Equity
    
Unallocated
    
Impaired
    
Total
  
Beginning balance
  
$
10,286
    
$
15,787
    
$
11,544
    
$
3,083
    
$
2,701
    
$
1,767
    
$
173
    
$
45,341
  
Charge-offs
    
(642
)
    
(433
)
    
(2,823
)
    
(639
)
    
(122
)
    
0
      
(43
)
    
(4,702
)
Recoveries
    
66
      
608
      
2,337
      
392
      
26
      
0
      
0
      
3,429
  
Provision
    
482
      
(609
)
    
544
      
155
      
72
      
607
      
(37
)
    
1,214
  
Ending balance
  
$
10,192
    
$
15,353
    
$
11,602
    
$
2,991
    
$
2,677
    
$
2,374
    
$
93
    
$
45,282
  

NOTE F:  GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS

The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows:

   
June 30, 2016
    
December 31, 2015
  
   
Gross
          
Net
    
Gross
          
Net
  
   
Carrying
    
Accumulated
    
Carrying
    
Carrying
    
Accumulated
    
Carrying
  
(000's omitted)
  
Amount
    
Amortization
    
Amount
    
Amount
    
Amortization
    
Amount
  
Amortizing intangible assets:
                                    
  Core deposit intangibles
  
$
39,688
    
$ 
(31,309
)
  
$
8,379
    
$
39,688
    
$ 
(29,899
)
  
$
9,789
  
  Other intangibles
    
17,852
      
(7,895
)
    
9,957
      
17,565
      
(6,460
)
    
11,105
  
 Total amortizing intangibles
  
$
57,540
    
$ 
(39,204
)
  
$
18,336
    
$
57,253
    
$ 
(36,359
)
  
$
20,894
  

The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows:

(000's omitted)
  
Jul - Dec 2016
  
$
2,634
  
2017
    
4,412
  
2018
    
3,566
  
2019
    
2,782
  
2020
    
2,119
  
Thereafter
    
2,823
  
Total
  
$
18,336
  

Shown below are the components of the Company's goodwill at December 31, 2015 and June 30, 2016:

(000's omitted)
  
December 31, 2015
    
Activity
    
June 30, 2016
  
Goodwill
  
$
468,076
    
$
1,890
    
$
469,966
  
Accumulated impairment
    
(4,824
)
    
0
      
(4,824
)
Goodwill, net
  
$
463,252
    
$
1,890
    
$
465,142
  

19

 
NOTE G:  MANDATORILY REDEEMABLE PREFERRED SECURITIES

The Company sponsors two business trusts, Community Statutory Trust III and Community Capital Trust IV, of which 100% of the common stock is owned by the Company.  The trusts were formed for the purpose of issuing company-obligated mandatorily redeemable preferred securities to third-party investors and investing the proceeds from the sale of such preferred securities solely in junior subordinated debt securities of the Company.  The debentures held by each trust are the sole assets of that trust.  Distributions on the preferred securities issued by each trust are payable quarterly at a rate per annum equal to the interest rate being earned by the trust on the debentures held by that trust and are recorded as interest expense in the consolidated financial statements.  The preferred securities are subject to mandatory redemption, in whole or in part, upon repayment of the debentures.  The Company has entered into agreements which, taken collectively, fully and unconditionally guarantee the preferred securities subject to the terms of each of the guarantees.  The terms of the preferred securities of each trust are as follows:

 
Issuance
Par
  
Maturity
  
Trust
Date
Amount
Interest Rate
Date
Call Price
III
7/31/2001
$24.5 million
3 month LIBOR plus 3.58% (4.22%)
7/31/2031
Par
IV
12/8/2006
$75 million
3 month LIBOR plus 1.65% (2.30%)
12/15/2036
Par

NOTE H:  BENEFIT PLANS

The Company provides a qualified defined benefit pension to eligible employees and retirees, other post-retirement health and life insurance benefits to certain retirees, an unfunded supplemental pension plan for certain key executives, and an unfunded stock balance plan for certain of its nonemployee directors.  The Company accrues for the estimated cost of these benefits through charges to expense during the years that employees earn these benefits.  No contributions to the defined benefit pension plan are required or planned for 2016.

The net periodic benefit cost for the three and six months ended June 30, 2016 and 2015 is as follows:

   
Pension Benefits
    
Post-retirement Benefits
  
   
Three Months Ended
    
Six Months Ended
    
Three Months Ended
    
Six Months Ended
  
   
June 30,
    
June 30,
    
June 30,
    
June 30,
  
(000's omitted)
  
2016
    
2015
    
2016
    
2015
    
2016
    
2015
    
2016
    
2015
  
Service cost
  
$
1,027
    
$
831
    
$
2,052
    
$
1,662
    
$
0
    
$
0
    
$
0
    
$
0
  
Interest cost
    
1,406
      
1,375
      
2,812
      
2,749
      
20
      
22
      
41
      
43
  
Expected return on plan assets
    
(2,961
)
    
(3,042
)
    
(5,921
)
    
(6,085
)
    
0
      
0
      
0
      
0
  
Amortization of unrecognized net loss
    
377
      
366
      
754
      
733
      
(1
)
    
(3
)
    
(3
)
    
(6
)
Amortization of prior service cost
    
11
      
2
      
22
      
4
      
(45
)
    
(45
)
    
(89
)
    
(89
)
Net periodic benefit cost
  
$ 
(140
)
  
$ 
(468
)
  
$ 
(281
)
  
$ 
(937
)
  
$ 
(26
)
  
$ 
(26
)
  
$ 
(51
)
  
$ 
(52
)

NOTE I:  EARNINGS PER SHARE

The two class method is used in the calculations of basic and diluted earnings per share.  Under the two class method, earnings available to common shareholders for the period are allocated between common shareholders and participating securities according to dividends declared and participation rights in undistributed earnings.  The Company has determined that all of its outstanding non-vested stock awards are participating securities as of June 30, 2016.

Basic earnings per share are computed based on the weighted-average of the common shares outstanding for the period.  Diluted earnings per share are based on the weighted-average of the shares outstanding adjusted for the dilutive effect of restricted stock and the assumed exercise of stock options during the year.  The dilutive effect of options is calculated using the treasury stock method of accounting.  The treasury stock method determines the number of common shares that would be outstanding if all the dilutive options (those where the average market price is greater than the exercise price) were exercised and the proceeds were used to repurchase common shares in the open market at the average market price for the applicable time period.  There were approximately 0.8 million weighted-average anti-dilutive stock options outstanding for the three months ended June 30, 2016, and approximately 0.7 million weighted-average anti-dilutive stock options outstanding for the six months ended June 30, 2016, compared to approximately 0.6 million weighted-average anti-dilutive stock options outstanding for the three months ended June 30, 2015, and approximately 0.4 million weighted-average anti-dilutive stock options outstanding for the six months ended June 30, 2015 that were not included in the computation below.
20

The following is a reconciliation of basic to diluted earnings per share for the three and six months ended June 30, 2016 and 2015:

   
Three Months Ended
    
Six Months Ended
  
   
June 30,
    
June 30,
  
(000's omitted, except per share data)
  
2016
    
2015
    
2016
    
2015
  
Net income
  
$
25,857
    
$
23,840
    
$
50,260
    
$
46,137
  
Income attributable to unvested stock-based compensation awards
    
(151
)
    
(99
)
    
(242
)
    
(177
)
Income available to common shareholders
  
$
25,706
    
$
23,741
    
$
50,018
    
$
45,960
  
                                 
Weighted-average common shares outstanding – basic
    
44,021
      
40,690
      
43,942
      
40,674
  
Basic earnings per share
  
$
0.58
    
$
0.58
    
$
1.14
    
$
1.13
  
                                 
Net income
  
$
25,857
    
$
23,840
    
$
50,260
    
$
46,137
  
Income attributable to unvested stock-based compensation awards
    
(151
)
    
(99
)
    
(242
)
    
(177
)
Income available to common shareholders
  
$
25,706
    
$
23,741
    
$
50,018
    
$
45,960
  
                                 
Weighted-average common shares outstanding – basic
    
44,021
      
40,690
      
43,942
      
40,674
  
Assumed exercise of stock options
    
357
      
404
      
347
      
405
  
Weighted-average common shares outstanding – diluted
    
44,378
      
41,094
      
44,289
      
41,079
  
Diluted earnings per share
  
$
0.58
    
$
0.58
    
$
1.13
    
$
1.12
  

Stock Repurchase Program
At its December 2015 meeting, the Company's Board of Directors (the "Board") approved a new repurchase program authorizing the repurchase of up to 2.2 million shares of the Company's common stock, in accordance with securities laws and regulations, through December 31, 2016.  Any repurchased shares will be used for general corporate purposes, including those related to stock plan activities.  The timing and extent of repurchases will depend on market conditions and other corporate considerations as determined at the Company's discretion.  The Company did not repurchase any shares under the authorized plan during the first six months of 2016.

NOTE J:  COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments consist primarily of commitments to extend credit and standby letters of credit.  Commitments to extend credit are agreements to lend to customers, generally having fixed expiration dates or other termination clauses that may require payment of a fee.  These commitments consist principally of unused commercial and consumer credit lines.  Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of an underlying contract with a third party.  The credit risks associated with commitments to extend credit and standby letters of credit are essentially the same as that involved with extending loans to customers and are subject to the Company's normal credit policies.  Collateral may be obtained based on management's assessment of the customer's creditworthiness.  The fair value of the standby letters of credit is immaterial for disclosure.

The contract amounts of commitments and contingencies are as follows:

(000's omitted)
  
June 30,
2016
    
December 31,
2015
  
Commitments to extend credit
  
$
725,561
    
$
811,442
  
Standby letters of credit
    
19,713
      
19,053
  
Total
  
$
745,274
    
$
830,495
  

The Company and its subsidiaries are subject in the normal course of business to various pending and threatened legal proceedings in which claims for monetary damages are asserted. As of June 30, 2016, management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company or its subsidiaries will be material to the Company's consolidated financial position. On at least a quarterly basis, the Company assesses its liabilities and contingencies in connection with such legal proceedings. For those matters where it is probable that the Company will incur losses and the amounts of the losses can be reasonably estimated, the Company records an expense and corresponding liability in its consolidated financial statements. To the extent the pending or threatened litigation could result in exposure in excess of that liability, the amount of such excess is not currently estimable. The range of reasonably possible losses for matters where an exposure is not currently estimable or considered probable, beyond the existing recorded liabilities, is between $0 and $1 million in the aggregate. Although the Company does not believe that the outcome of pending litigation will be material to the Company's consolidated financial position, it cannot rule out the possibility that such outcomes will be material to the consolidated results of operations for a particular reporting period in the future.
21

 
NOTE K:  FAIR VALUE

Accounting standards establish a framework for measuring fair value and require certain disclosures about such fair value instruments.  It defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (i.e. exit price).  Inputs used to measure fair value are classified into the following hierarchy:
     ●     Level 1 –
 Quoted prices in active markets for identical assets or liabilities.
     ●     Level 2 – Quoted prices in active markets for similar assets or liabilities, or quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs other than quoted prices that are observable for the asset or liability.
     ●     Level 3 – Significant valuation assumptions not readily observable in a market.
 
A financial instrument's categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.  The following tables set forth the Company's financial assets and liabilities that were accounted for at fair value on a recurring basis.  There were no transfers between any of the levels for the periods presented.
 
   
June 30, 2016
  
(000's omitted)
  
Level 1
    
Level 2
    
Level 3
    
Total Fair Value
  
Available-for-sale investment securities:
                        
U.S. Treasury and agency securities
  
$
1,992,657
    
$
0
    
$
0
    
$
1,992,657
  
Obligations of state and political subdivisions
    
0
      
645,488
      
0
      
645,488
  
Government agency mortgage-backed securities
    
0
      
223,139
      
0
      
223,139
  
Corporate debt securities
    
0
      
16,660
      
0
      
16,660
  
Government agency collateralized mortgage obligations
    
0
      
11,502
      
0
      
11,502
  
Marketable equity securities
    
417
      
0
      
0
      
417
  
    Total available-for-sale investment securities
    
1,993,074
      
896,789
      
0
      
2,889,863
  
Mortgage loans held for sale
    
0
      
514
      
0
      
514
  
Commitments to originate real estate loans for sale
    
0
      
0
      
361
      
361
  
Forward sales commitments
    
0
      
(78
)
    
0
      
(78
)
  Total
  
$
1,993,074
    
$
897,225
    
$
361
    
$
2,890,660
  

   
December 31, 2015
  
(000's omitted)
  
Level 1
    
Level 2
    
Level 3
    
Total Fair Value
  
Available-for-sale investment securities:
                        
U.S. Treasury and agency securities
  
$
1,899,978
    
$
0
    
$
0
    
$
1,899,978
  
Obligations of state and political subdivisions
    
0
      
666,883
      
0
      
666,883
  
Government agency mortgage-backed securities
    
0
      
210,865
      
0
      
210,865
  
Corporate debt securities
    
0
      
16,680
      
0
      
16,680
  
Government agency collateralized mortgage obligations
    
0
      
13,308
      
0
      
13,308
  
Marketable equity securities
    
399
      
0
      
0
      
399
  
    Total available-for-sale investment securities
    
1,900,377
      
907,736
      
0
      
2,808,113
  
Mortgage loans held for sale
    
0
      
932
      
0
      
932
  
Commitments to originate real estate loans for sale
    
0
      
0
      
117
      
117
  
Forward sales commitments
    
0
      
(37
)
    
0
      
(37
)
Total
  
$
1,900,377
    
$
908,631
    
$
117
    
$
2,809,125
  

The valuation techniques used to measure fair value for the items in the table above are as follows:

·
Available-for-sale investment securities – The fair values of available-for-sale investment securities are based upon quoted prices, if available.  If quoted prices are not available, fair values are measured using quoted market prices for similar securities or model-based valuation techniques.  Level 1 securities include U.S. Treasury obligations and marketable equity securities that are traded by dealers or brokers in active over-the-counter markets.  Level 2 securities include U.S. agency securities, mortgage-backed securities issued by government-sponsored entities, municipal securities and corporate debt securities that are valued by reference to prices for similar securities or through model-based techniques in which all significant inputs, such as reported trades, trade execution data, LIBOR swap yield curve, market prepayment speeds, credit information, market spreads, and security's terms and conditions, are observable.  See Note D for further disclosure of the fair value of investment securities.
22

·
Mortgage loans held for sale –The Company has elected to value loans held for sale at fair value in order to more closely match the gains and losses associated with loans held for sale with the gains and losses on forward sales contracts.  Accordingly, the impact on the valuation will be recognized in the Company's consolidated statement of income.  All mortgage loans held for sale are current and in performing status.  The fair value of mortgage loans held for sale is determined using quoted secondary-market prices of loans with similar characteristics and, as such, has been classified as a Level 2 valuation.  The unpaid principal value of mortgage loans held for sale at June 30, 2016 was approximately $0.5 million.  The unrealized gain on mortgage loans held for sale was recognized in mortgage banking and other income in the consolidated statement and is immaterial.

·
Forward sales commitments – The Company enters into forward sales commitments to sell certain residential real estate loans.  Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet.  The fair value of these forward sales commitments is primarily measured by obtaining pricing from certain government-sponsored entities and reflects the underlying price the entity would pay the Company for an immediate sale on these mortgages.  As such, these instruments are classified as Level 2 in the fair value hierarchy.

·
Commitments to originate real estate loans for sale – The Company enters into various commitments to originate residential real estate loans for sale.  Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet.  The estimated fair value of these commitments is determined using quoted secondary market prices obtained from certain government-sponsored entities.  Additionally, accounting guidance requires the expected net future cash flows related to the associated servicing of the loan to be included in the fair value measurement of the derivative.  The expected net future cash flows are based on a valuation model that calculates the present value of estimated net servicing income.  The valuation model incorporates assumptions that market participants would use in estimating future net servicing income.  Such assumptions include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds.  The determination of expected net cash flows is considered a significant unobservable input contributing to the Level 3 classification of commitments to originate real estate loans for sale.

The changes in Level 3 assets measured at fair value on a recurring basis are summarized in the following tables:
   
Three Months Ended
    
Six Months Ended
  
   
June 30,
    
June 30,
  
   
2016
    
2015
    
2016
    
2015
  
(000's omitted)
  
Commitments
to Originate
Real Estate
Loans for Sale
    
Commitments
to Originate
Real Estate
Loans for Sale
    
Commitments
to Originate
Real Estate
Loans for Sale
    
Commitments
to Originate
Real Estate
Loans for Sale
  
Beginning balance
  
$
282
    
$
152
    
$
117
    
$
185
  
Total losses included in earnings (1)
    
(282
)
    
(152
)
    
(399
)
    
(337
)
Commitments to originate real estate loans held for sale, net
    
361
      
195
      
643
      
347
  
Ending balance
  
$
361
    
$
195
    
$
361
    
$
195
  
 
 
 
 
 
 
 
 
 
 
 
(1)
Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income
 
The fair value information of assets and liabilities measured on a non-recurring basis presented below is not as of the period-end, but rather as of the date the fair value adjustment was recorded closest to the date presented.
 
   
June 30, 2016
    
December 31, 2015
  
(000's omitted)
  
Level 1
    
Level 2
    
Level 3
    
Total Fair Value
    
Level 1
    
Level 2
    
Level 3
    
Total Fair Value
  
Impaired loans
  
$
0
    
$
0
    
$
932
    
$
932
    
$
0
    
$
0
    
$
1,765
    
$
1,765
  
Mortgage servicing rights
    
0
      
0
      
638
      
638
      
0
      
0
      
0
      
0
  
Other real estate owned
    
0
      
0
      
1,726
      
1,726
      
0
      
0
      
2,088
      
2,088
  
   Total
  
$
0
    
$
0
    
$
3,296
    
$
3,296
    
$
0
    
$
0
    
$
3,853
    
$
3,853
  

23

 
Loans are generally not recorded at fair value on a recurring basis.  Periodically, the Company records nonrecurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of those loans.  Nonrecurring adjustments also include certain impairment amounts for collateral-dependent loans calculated when establishing the allowance for credit losses. Such amounts are generally based on the fair value of the underlying collateral supporting the loan and, as a result, the carrying value of the loan less the calculated valuation amount does not necessarily represent the fair value of the loan. Real estate collateral is typically valued using independent appraisals or other indications of value based on recent comparable sales of similar properties or assumptions generally observable in the marketplace, adjusted for non-observable inputs.  Thus, the resulting nonrecurring fair value measurements are generally classified as Level 3. Estimates of fair value used for other collateral supporting commercial loans generally are based on assumptions not observable in the marketplace and, therefore, such valuations classify as Level 3.

Other real estate owned ("OREO") is valued at the time the loan is foreclosed upon and the asset is transferred to OREO. The value is based primarily on third party appraisals, less costs to sell. The appraisals are sometimes further discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the customer and customer's business. Such discounts are significant, ranging from 6% to 94% at June 30, 2016 and result in a Level 3 classification of the inputs for determining fair value. OREO is reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. The Company recovers the carrying value of OREO through the sale of the property. The ability to affect future sales prices is subject to market conditions and factors beyond the Company's control and may impact the estimated fair value of a property.

Originated mortgage servicing rights are recorded at their fair value at the time of sale of the underlying loan, and are amortized in proportion to and over the estimated period of net servicing income.  The fair value of mortgage servicing rights is based on a valuation model incorporating inputs that market participants would use in estimating future net servicing income.  Such inputs include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds and are considered to be unobservable and contribute to the Level 3 classification of mortgage servicing rights.  In accordance with GAAP, the Company must record impairment charges, on a nonrecurring basis, when the carrying value of a stratum exceeds its estimated fair value.  Impairment is recognized through a valuation allowance.  There is a valuation allowance at June 30, 2016 of approximately $0.1 million.

The Company determines fair values based on quoted market values, where available, estimates of present values, or other valuation techniques.  Those techniques are significantly affected by the assumptions used, including, but not limited to, the discount rate and estimates of future cash flows.  In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, may not be realized in immediate settlement of the instrument.  The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis are as follows:
(000's omitted)
  
Fair Value at
June 30, 2016
  
Valuation Technique
Significant Unobservable Inputs
  
Significant
Unobservable Input Range
(Weighted Average)
  
Other real estate owned
  
$
1,726
  
Fair Value of Collateral
Estimated cost of disposal/market adjustment
    
6.3% - 93.8% (31.5
%)
Impaired loans
    
932
  
Fair Value of Collateral
Estimated cost of disposal/market adjustment
    
9.0% - 16.9% (12.8
%)
Commitments to originate
     real estate loans for sale
    
361
  
Discounted cash flow
Embedded servicing value
    
1
%
Mortgage servicing rights
    
638
  
Discounted cash flow
Weighted average constant prepayment rate
    
11.8
%
             
Weighted average discount rate
    
2.24
%
             
Adequate compensation
  
$7/loan
  

(000's omitted)
  
Fair Value at December 31, 2015
  
Valuation Technique
Significant Unobservable Inputs
  
Significant
Unobservable Input Range
(Weighted Average)
  
Other real estate owned
  
$
2,088
  
Fair value of collateral
Estimated cost of disposal/market adjustment
    
5.3% - 74.0% (27.7
%)
Impaired loans
    
1,765
  
Fair value of collateral
Estimated cost of disposal/market adjustment
    
9.0% - 20.0% (17.9
%)
Commitments to originate
     real estate loans for sale
    
117
  
Discounted cash flow
Embedded servicing value
    
1
%

24

Certain financial instruments and all nonfinancial instruments are excluded from fair value disclosure requirements.  Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.  The carrying amounts and estimated fair values of the Company's other financial instruments that are not accounted for at fair value at June 30, 2016 and December 31, 2015 are as follows:

   
June 30, 2016
    
December 31, 2015
  
   
Carrying
    
Fair
    
Carrying
    
Fair
  
(000's omitted)
  
Value
    
Value
    
Value
    
Value
  
Financial assets:
                        
   Net loans
  
$
4,858,276
    
$
4,928,960
    
$
4,755,974
    
$
4,808,856
  
Financial liabilities:
                                
   Deposits
    
6,957,854
      
6,956,075
      
6,873,474
      
6,871,098
  
   Borrowings
    
267,600
      
267,600
      
301,300
      
301,300
  
   Subordinated debt held by unconsolidated subsidiary trusts
    
102,158
      
80,108
      
102,146
      
84,680
  

The following is a further description of the principal valuation methods used by the Company to estimate the fair values of its financial instruments.

Loans have been classified as a Level 3 valuation.  Fair values for variable rate loans that reprice frequently are based on carrying values.  Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.

Deposits have been classified as a Level 2 valuation.  The fair value of demand deposits, interest-bearing checking deposits, savings accounts, and money market deposits is the amount payable on demand at the reporting date.  The fair value of time deposit obligations are based on current market rates for similar products.

Borrowings have been classified as a Level 2 valuation.  The fair value of FHLB overnight advances is the amount payable on demand at the reporting date.  Fair values for long-term borrowings are estimated using discounted cash flows and interest rates currently being offered on similar borrowings, and are immaterial as of the reporting dates.

Subordinated debt held by unconsolidated subsidiary trusts have been classified as a Level 2 valuation.   The fair value of subordinated debt held by unconsolidated subsidiary trusts are estimated using discounted cash flows and interest rates currently being offered on similar securities.

Other financial assets and liabilities – Cash and cash equivalents have been classified as a Level 1 valuation, while accrued interest receivable and accrued interest payable have been classified as a Level 2 valuation.  The fair values of each approximate the respective carrying values because the instruments are payable on demand or have short-term maturities and present relatively low credit risk and interest rate risk.

NOTE L:  DERIVATIVE INSTRUMENTS

The Company is party to derivative financial instruments in the normal course of its business to meet the financing needs of its customers and to manage its own exposure to fluctuations in interest rates.  These financial instruments have been limited to commitments to originate real estate loans held for sale and forward sales commitments.  The Company does not hold or issue derivative financial instruments for trading or other speculative purposes.

The Company enters into forward sales commitments for the future delivery of residential mortgage loans, and interest rate lock commitments to fund loans at a specified interest rate.  The forward sales commitments are utilized to reduce interest rate risk associated with interest rate lock commitments and loans held for sale.  Changes in the estimated fair value of the forward sales commitments and interest rate lock commitments subsequent to inception are based on changes in the fair value of the underlying loan resulting from the fulfillment of the commitment and changes in the probability that the loan will fund within the terms of the commitment, which is affected primarily by changes in interest rates and the passage of time.  At inception and during the life of the interest rate lock commitment, the Company includes the expected net future cash flows related to the associated servicing of the loan as part of the fair value measurement of the interest rate lock commitments.  These derivatives are recorded at fair value, which were immaterial at June 30, 2016.  The effect of the changes to these derivatives for the three and six months then ended was also immaterial.
25

NOTE M:  SEGMENT INFORMATION

Operating segments are components of an enterprise, which are evaluated regularly by the "chief operating decision maker" in deciding how to allocate resources and assess performance.  The Company's chief operating decision maker is the President and Chief Executive Officer of the Company. The Company has identified Banking and Employee Benefit Services as its reportable operating business segments.  CBNA operates the Banking segment that provides full-service banking to consumers, businesses, and governmental units in northern, central, and western New York as well as northeastern Pennsylvania.  Employee Benefit Services, which includes Benefit Plans Administrative Services LLC, BPAS Actuarial and Pension Services LLC (formerly Harbridge Consulting Group, LLC), and Hand Benefits & Trust Company, provides employee benefit trust, collective investment fund, retirement plan administration, actuarial, VEBA/HRA, and health and welfare consulting services.  The All Other segment is comprised of; (a) wealth management services including trust services provided by the personal trust unit within the Bank, broker-dealer and investment advisory services provided by Community Investment Services, Inc. ("CISI"), OWM, and the Carta Group, Inc., as well as asset management provided by Nottingham Advisors, Inc., and (b) full-service insurance, risk management and employee benefit services provided by OneGroup and CBNA Insurance.  The accounting policies used in the disclosure of business segments are the same as those described in the summary of significant accounting policies (See Note A, Summary of Significant Accounting Policies of the most recent Form 10-K for the year ended December 31, 2015 filed with the SEC on February 29, 2016).

Information about reportable segments and reconciliation of the information to the consolidated financial statements follows:

(000's omitted) 
  
Banking
    
Employee
Benefit Services
    
All Other
    
Eliminations
    
Consolidated Total
  
Three Months Ended June 30, 2016
                              
Net interest income
  
$
68,220
    
$
38
    
$
48
    
$
0
    
$
68,306
  
Provision for loan losses
    
2,305
      
0
      
0
      
0
      
2,305
  
Noninterest revenues
    
16,594
      
12,067
      
10,706
      
(595
)
    
38,772
  
Amortization of intangible assets
    
691
      
114
      
598
      
0
      
1,403
  
Other operating expenses
    
47,615
      
9,432
      
8,501
      
(595
)
    
64,953
  
Income before income taxes
  
$
34,203
    
$
2,559
    
$
1,655
    
$
0
    
$
38,417
  
Assets
  
$
8,675,329
    
$
34,814
    
$
68,945
    
$ 
(36,977
)
  
$
8,742,111
  
Goodwill
  
$
440,870
    
$
8,018
    
$
16,254
    
$
0
    
$
465,142
  
                                         
Three Months Ended June 30, 2015
                                        
Net interest income
  
$
61,165
    
$
35
    
$
28
    
$
0
    
$
61,228
  
Provision for loan losses
    
591
      
0
      
0
      
0
      
591
  
Noninterest revenues
    
14,009
      
11,606
      
4,576
      
(472
)
    
29,719
  
Amortization of intangible assets
    
709
      
133
      
38
      
0
      
880
  
Other operating expenses
    
43,393
      
8,957
      
3,290
      
(472
)
    
55,168
  
Income before income taxes
  
$
30,481
    
$
2,551
    
$
1,276
    
$
0
    
$
34,308
  
Assets
  
$
7,882,898
    
$
33,609
    
$
17,047
    
$ 
(24,783
)
  
$
7,908,771
  
Goodwill
  
$
364,495
    
$
8,019
    
$
2,660
    
$
0
    
$
375,174
  
                                         
Six Months Ended June 30, 2016
                                        
Net interest income
  
$
135,019
    
$
77
    
$
91
    
$
0
    
$
135,187
  
Provision for loan losses
    
3,646
      
0
      
0
      
0
      
3,646
  
Noninterest revenues
    
31,907
      
24,457
      
21,850
      
(1,161
)
    
77,053
  
Amortization of intangible assets
    
1,410
      
230
      
1,205
      
0
      
2,845
  
Other operating expenses
    
96,145
      
18,879
      
17,317
      
(1,161
)
    
131,180
  
Income before income taxes
  
$
65,725
    
$
5,425
    
$
3,419
    
$
0
    
$
74,569
  
                                         
Six Months Ended June 30, 2015
                                        
Net interest income
  
$
120,948
    
$
65
    
$
55
    
$
0
    
$
121,068
  
Provision for loan losses
    
1,214
      
0
      
0
      
0
      
1,214
  
Noninterest revenues
    
27,534
      
22,959
      
9,208
      
(936
)
    
58,765
  
Amortization of intangible assets
    
1,448
      
266
      
85
      
0
      
1,799
  
Other operating expenses
    
87,212
      
17,408
      
6,513
      
(936
)
    
110,197
  
Income before income taxes
  
$
58,608
    
$
5,350
    
$
2,665
    
$
0
    
$
66,623
  
 
26
 
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations

This Management's Discussion and Analysis of Financial Condition and Results of Operations ("MD&A") primarily reviews the financial condition and results of operations of Community Bank System, Inc. (the "Company" or "CBSI") as of and for the three and six months ended June 30, 2016 and 2015, although in some circumstances the first quarter of 2016 is also discussed in order to more fully explain recent trends.  The following discussion and analysis should be read in conjunction with the Company's Consolidated Financial Statements and related notes that appear on pages 3 through 26.  All references in the discussion of the financial condition and results of operations refer to the consolidated position and results of the Company and its subsidiaries taken as a whole.  Unless otherwise noted, the term "this year" and equivalent terms refers to results in calendar year 2016, "second quarter" refers to the three months ended June 30, 2016, "YTD" refers to the six months ended June 30, 2016, and earnings per share ("EPS") figures refer to diluted EPS.

This MD&A contains certain forward-looking statements with respect to the financial condition, results of operations, and business of the Company.  These forward-looking statements involve certain risks and uncertainties.  Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements are set herein under the caption, "Forward-Looking Statements," on page 42.

Critical Accounting Policies

As a result of the complex and dynamic nature of the Company's business, management must exercise judgment in selecting and applying the most appropriate accounting policies for its various areas of operations.  The policy decision process not only ensures compliance with the latest generally accepted accounting principles ("GAAP"), but also reflects management's discretion with regard to choosing the most suitable methodology for reporting the Company's financial performance.  It is management's opinion that the accounting estimates covering certain aspects of the business have more significance than others due to the relative importance of those areas to overall performance, or the level of subjectivity in the selection process.  These estimates affect the reported amounts of assets and liabilities as well as disclosures of revenues and expenses during the reporting period.  Actual results could differ from these estimates.  Management believes that the critical accounting estimates include:

·
Acquired loans – Acquired loans are initially recorded at their acquisition date fair values based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values, and discount rate.
 
Acquired loans deemed impaired at acquisition are recorded in accordance with ASC 310-30.  The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount.  The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount, which represents estimated future credit losses and other contractually required payments that the Company does not expect to collect.  Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for loan losses resulting in an increase in the allowance for loan losses.  Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.
 
For acquired loans that are not deemed impaired at acquisition, the difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan, and includes both credit and interest rate considerations. Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans is consistent with the policy described below.  However, for loans collectively evaluated for impairment, the Company compares the net realizable value of the loans to the carrying value.  The carrying value represents the net of the loan's unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.  When the carrying value exceeds the net realizable value, an allowance for loan losses is recognized.  For loans individually evaluated for impairment, a provision is recorded when the required allowance exceeds any remaining discount on the loan.
 
·
Allowance for loan losses – The allowance for loan losses reflects management's best estimate of probable loan losses in the Company's loan portfolio.  Determination of the allowance for loan losses is inherently subjective.  It requires significant estimates, including the amounts and timing of expected future cash flows on impaired loans, appraisal values of underlying collateral for collateralized loans, and the amount of estimated losses on pools of homogeneous loans which is based on historical loss experience and consideration of current economic trends, all of which may be susceptible to significant change.

27

·
Investment securities – Investment securities are classified as held-to-maturity, available-for-sale, or trading.  The appropriate classification is based partially on the Company's ability to hold the securities to maturity and largely on management's intentions with respect to either holding or selling the securities.  The classification of investment securities is significant since it directly impacts the accounting for unrealized gains and losses on securities.  Unrealized gains and losses on available-for-sale securities are recorded in accumulated other comprehensive income or loss, as a separate component of shareholders' equity, and do not affect earnings until realized.  The fair values of investment securities are generally determined by reference to quoted market prices, where available.  If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.  Investment securities with significant declines in fair value are evaluated to determine whether they should be considered other-than-temporarily impaired ("OTTI").  An unrealized loss is generally deemed to be other-than-temporary and a credit loss is deemed to exist if the present value of the expected future cash flows is less than the amortized cost basis of the debt security.  The credit loss component of an other-than-temporary impairment write-down is recorded in earnings, while the remaining portion of the impairment loss is recognized in other comprehensive income (loss), provided the Company does not intend to sell the underlying debt security, and it is not more likely than not that the Company will be required to sell the debt security prior to recovery of the full value of its amortized cost basis.

·
Retirement benefits – The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.  The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees.  Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including, but not limited to, discount rate, rate of future compensation increases, mortality rates, future health care costs, and the expected return on plan assets.

·
Intangible assets – As a result of acquisitions, the Company carries goodwill and identifiable intangible assets.  Goodwill represents the cost of acquired companies in excess of the fair value of net assets at the acquisition date.  Goodwill is evaluated at least annually, or when business conditions suggest impairment may have occurred.  Should impairment occur, goodwill will be reduced to its carrying value through a charge to earnings.  Core deposits and other identifiable intangible assets are amortized to expense over their estimated useful lives.  The determination of whether or not impairment exists is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.  It also requires them to select a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, and company-specific performance and risk metrics, all of which are susceptible to change based on changes in economic and market conditions and other factors.  Future events or changes in the estimates used to determine the carrying value of goodwill and identifiable intangible assets could have a material impact on the Company's results of operations.

A summary of the accounting policies used by management is disclosed in Note A, "Summary of Significant Accounting Policies" on pages 56-61 of the most recent Form 10-K (fiscal year ended December 31, 2015) filed with the Securities and Exchange Commission ("SEC") on February 29, 2016.

Supplemental Reporting of Non-GAAP Results of Operations

The Company consistently provides supplemental reporting of its results on a "net operating" or "tangible" basis, from which the amortization of core deposits and other intangible assets (and the related goodwill, core deposit intangible and other intangible asset balances, net of applicable deferred tax amounts) and acquisition expenses are excluded.  Reconciliations of GAAP amounts with corresponding non-GAAP amounts are presented in Table 11.

Executive Summary

The Company's business philosophy is to operate as a community bank with local decision-making, principally in non-metropolitan markets, providing a broad array of banking and financial services to retail, commercial and municipal customers.  The Company's banking subsidiary is Community Bank, N.A. (the "Bank" or "CBNA").

The Company's core operating objectives are: (i) grow the branch network, primarily through a disciplined acquisition strategy, and certain selective de novo expansions, (ii) build profitable loan and deposit volume using both organic and acquisition strategies, (iii) increase the noninterest component of total revenues through development of banking-related fee income, growth in existing financial services business units, and the acquisition of additional financial services and banking businesses, and (iv) utilize technology to deliver customer-responsive products and services and improve efficiencies.

Significant factors reviewed by management to evaluate achievement of the Company's operating objectives and its operating results and financial condition include, but are not limited to: net income and earnings per share, return on assets and equity, net interest margins, noninterest revenues, noninterest expenses, asset quality, loan and deposit growth, capital management, performance of individual banking and financial services units, performance of specific product lines and customers, liquidity and interest rate sensitivity, enhancements to customer products and services and their underlying performance characteristics, technology advancements, market share, peer comparisons, and the performance of acquisition activities.
28

On December 4, 2015, the Company completed its acquisition of Oneida Financial Corp. ("Oneida"), parent company of Oneida Savings Bank, headquartered in Oneida, New York for approximately $158 million in Company stock and cash, comprised of $56.3 million of cash and the issuance of 2.38 million shares of common stock.  Upon the completion of the merger, the Bank added 12 branch locations in the New York State counties of Oneida and Madison and approximately $769 million of assets, including approximately $399 million of loans and $226 million of investment securities, and $699 million of deposits.  Through the acquisition of Oneida, the Company acquired, among others, OneGroup NY, Inc. ("OneGroup") and Oneida Wealth Management, Inc. ("OWM") as wholly-owned subsidiaries primarily engaged in offering insurance and investment advisory services.  These subsidiaries complement the Company's other non-banking financial services businesses.

Second quarter and year-to-date net income increased compared to the comparable 2015 timeframes by $2.0 million and $4.1 million, respectively.  Earnings per share of $0.58 for the second quarter of 2016 were equivalent to the second quarter of 2015, while 2016 year-to-date earnings per share of $1.13 exceeded 2015 year-to-date earnings per share by $0.01.  The higher net income was due to increases in net interest income and noninterest revenues, partially offset by higher noninterest expenses and provision for loan losses, a higher effective income tax rate and an increase in diluted shares outstanding.

The growth in loans and deposits was evident as balances showed increases in both the average and ending basis as compared to the corresponding prior year period and the fourth quarter of 2015.  The increases were a result of the Oneida acquisition late in the fourth quarter of 2015 and solid organic growth.

The trends of declining yields on interest-earning assets and lower rates of interest-bearing liabilities continued.  The continued low-rate environment has generally meant that higher rate interest-earning assets continue to be replaced with lower rate assets, although that has moderated somewhat over the last year.  The continued decline in the cost of funds is a result of a larger proportion of funding coming from lower rate and noninterest-bearing accounts, instead of higher cost time deposits and borrowings.

Asset quality in the second quarter of 2016 remained stable and favorable.  Second quarter nonperforming and delinquent loan ratios were comparable to those experienced in the second quarter of 2015.  Net charge-offs were $1.4 million for the second quarter of 2016, compared to a historically low $0.3 million of net charge-offs for the second quarter of 2015.

Net Income and Profitability

As shown in Table 1, net income for the second quarter and June YTD of $25.9 million and $50.3 million, respectively, was up $2.0 million, or 8.5%, as compared to the second quarter of 2015 and up $4.1 million, or 8.9%, compared to June YTD 2015.  Earnings per share of $0.58 for the second quarter was equivalent to the second quarter of 2015, while earnings per share for the first six months of 2016 of $1.13 was one cent greater than the first six months of 2015.  The increases in net income are primarily due to the effect of the Oneida acquisition, with earnings per share impacted by an increase in outstanding shares that was principally related to the shares issued as consideration in the Oneida acquisition.

As reflected in Table 1, second quarter net interest income of $68.3 million was up $7.1 million, or 11.6%, from the comparable prior year period, and net interest income for the first six months of 2016 increased $14.1 million, or 11.7%, versus the first half of 2015.  The quarterly and year-over-year improvement resulted from an increase in interest-earning assets, primarily from the Oneida acquisition as well as from solid organic loan growth and investment purchases made during 2015 which more than offset a decline in earning asset yields.

The provision for loan losses for the second quarter and June YTD increased $1.7 million and $2.4 million as compared to the second quarter and first six months of 2015, respectively, reflective of higher level of net charge-offs and solid organic loan growth.

Second quarter and year-to-date noninterest revenues were $38.8 million and $77.1 million, respectively, up $9.1 million, or 30.5%, from the second quarter of 2015 and up $18.3 million, or 31.1%, from the first six months of 2015.  The increases were a result of increases in wealth management and insurance revenue primarily related to the Oneida acquisition, as well as revenue growth generated by the Company's other financial services subsidiaries, and increased revenues from banking sources as a result of the expanded branch network.

Noninterest expenses of $66.4 million and $134.0 million for the second quarter and June YTD periods reflected an increase of $10.3 million, or 18.4%, from the second quarter of 2015 and an increase of $22.0 million, or 19.7%, from the first six months of 2015.  Excluding acquisition-related expenses, 2016 operating expenses were $10.4 million higher for the second quarter and $22.4 million higher for the year-to-date timeframe.  The increases in noninterest expenses were mostly a result of operating a larger franchise, primarily due to the Oneida acquisition.

29
A condensed income statement is as follows:

Table 1: Condensed Income Statements
   
Three Months Ended
    
Six Months Ended
  
   
June 30,
    
June 30,
  
(000's omitted, except per share data)
  
2016
    
2015
    
2016
    
2015
  
Net interest income
  
$
68,306
    
$
61,228
    
$
135,187
    
$
121,068
  
Provision for loan losses
    
2,305
      
591
      
3,646
      
1,214
  
Noninterest revenues
    
38,772
      
29,719
      
77,053
      
58,765
  
Noninterest expenses
    
66,356
      
56,048
      
134,025
      
111,996
  
Income before income taxes
    
38,417
      
34,308
      
74,569
      
66,623
  
Income taxes
    
12,560
      
10,468
      
24,309
      
20,486
  
Net income
  
$
25,857
    
$
23,840
    
$
50,260
    
$
46,137
  
                                 
Diluted weighted average common shares outstanding
    
44,636
      
41,265
      
44,502
      
41,236
  
Diluted earnings per share
  
$
0.58
    
$
0.58
    
$
1.13
    
$
1.12
  

Net Interest Income

Net interest income is the amount by which interest and fees on earning assets (loans, investments, and cash equivalents) exceeds the cost of funds, which consists primarily of interest paid to the Company's depositors and interest on external borrowings.  Net interest margin is the difference between the yield on earning assets and the cost of interest-bearing funds as a percentage of earning assets.

As shown in Table 2a, net interest income (with nontaxable income converted to a fully tax-equivalent basis) for the second quarter was $70.9 million, a $6.6 million, or 10.2%, increase from the same period last year.  The increase resulted from an increase in interest-earning assets of $791.3 million from the second quarter of 2015, primarily related to the Oneida acquisition and solid organic loan growth, partially offset by a five basis point decline in earning asset yields and a $550.4 million increase in average interest-bearing liabilities.  As reflected in Table 3, the second quarter volume increase in interest-earning assets combined with a rate decrease on interest-bearing liabilities had a $7.8 million favorable impact on net interest income, while the rate decrease on interest-earning assets and volume increase on interest-bearing liabilities had a $1.2 million unfavorable impact on net interest income.  June YTD net interest income, as reflected in Table 2b, of $140.3 million increased $13.0 million, or 10.3%, from the year-earlier period.  The June YTD increase resulted from an increase in interest-earning assets of $867.9 million from the prior year, partially offset by a 10-basis point decrease in earning asset yields and a $636.4 million increase in average interest-bearing liabilities.  The volume increase in interest-earning assets combined with modestly lower funding costs on interest-bearing liabilities had a $16.9 million favorable impact on June YTD net interest income, while the rate decrease on interest-earning assets and volume increase on interest-bearing liabilities had a $3.8 million unfavorable impact on net interest income.

The lower net interest margin for the second quarter of 2016 as compared to the second quarter of 2015 was the result of the average yield on interest-earning assets decreasing five basis points, while the average rate on interest-bearing liabilities remained consistent with the prior year period.  The net interest margin of 3.70% for the first six months of 2016 was nine basis points lower than the comparable period of 2015.  The yield on interest-earning assets declined ten basis points, and the rate on interest-bearing liabilities declined one basis point for the first six months of 2016 as compared to the prior year period.  Declining asset yields outweighed the positive effect of modestly lower funding costs on the net interest margin.

The lower average yield on earning assets was the result of a continued decrease in the average yield on loans as well as the average yield on investments.  For the second quarter, the average yield on loans decreased by five basis points compared to the prior year period while the average yield on investments, including cash equivalents, declined ten basis points.  For the first six months of 2016, the average yield on loans decreased nine basis points from the comparable period of 2015, and the average yield on investments, including cash equivalents, declined 18 basis points.  The decline in the loan yield was due to yields on new loan volume being generally below rates on the overall portfolio in the continued low-rate environment.  The lower average yield of investments was the result of maturing higher rate investments being replaced with lower rate instruments, as well as the effect certain changes in state tax rates had on the fully tax-equivalent rate adjustment.

The average rate on interest-bearing liabilities was consistent with the prior year as a slight decline in the average rate of interest-bearing deposits was partially offset by an increase in the average interest rate paid on external borrowings.  The average rate on interest-bearing deposits decreased one basis point for the second quarter, while the average rate on borrowings increased 66 basis points compared to the prior year second quarter.  For the first six months of 2016, the average rate on interest-bearing deposits decreased one basis point and the average rate on borrowings increased 50 basis points from the comparable prior year period.  The increase in the average cost of borrowings was the result of lower-rate overnight FHLB borrowings becoming a smaller proportion of this funding component, as well as increased costs resulting from the 25 basis-point rate increase in the Federal Funds rate in late 2015.
30

The second quarter and year-to-date average balance of investments, including cash equivalents, increased $136.7 million and $229.8 million, respectively, as compared to the corresponding prior year periods.  This growth was principally the result of the Oneida transaction.  Average loan balances increased $654.6 million for the quarter and $638.1 million year-to-date as compared to the prior year, with $391.8 million of the year-to-date increase due to the Oneida acquisition, with the remainder coming from solid organic loan growth across all lending portfolios.

The quarterly and year-to-date increases in average interest-bearing deposits of $740.1 million and $747.0 million, respectively, was primarily a result of the Oneida transaction, which added $587.2 million, as well as the addition of new customers and growth in the balances of existing accounts.  The average borrowing balance decreased $189.7 million for the quarter and $110.6 million year-to-date compared to corresponding prior year periods, reflective of the decrease in overnight FHLB borrowings due to the net liquidity from the Oneida transaction and additional funding from deposit growth.

Tables 2a and 2b below sets forth information related to average interest-earning assets and interest-bearing liabilities and their associated yields and rates for the periods indicated.  Interest income and yields are on a fully tax-equivalent basis ("FTE") using marginal income tax rates of 38.2% and 38.4% in 2016 and 2015, respectively.  Average balances are computed by totaling the daily ending balances in a period and dividing by the number of days in that period.  Loan interest income and yields include amortization of deferred loan fees and costs as well as accretion of acquired loan marks.  Average loan balances include nonaccrual loans and loans held for sale.

Table 2a: Quarterly Average Balance Sheet

   
Three Months Ended
    
Three Months Ended
  
   
June 30, 2016
    
June 30, 2015
  
               
Avg.
                
Avg.
  
   
Average
          
Yield/Rate
    
Average
          
Yield/Rate
  
 (000's omitted except yields and rates)
  
Balance
    
Interest
    
Paid
    
Balance
    
Interest
    
Paid
  
Interest-earning assets:
                                    
   Cash equivalents
  
$
19,456
    
$
22
      
0.46
%
  
$
11,325
    
$
8
      
0.28
%
   Taxable investment securities (1)
    
2,178,448
      
13,994
      
2.58
%
    
2,031,234
      
13,377
      
2.64
%
   Nontaxable investment securities (1)
    
588,897
      
7,047
      
4.81
%
    
607,585
      
7,376
      
4.87
%
   Loans (net of unearned discount)(2)
    
4,866,574
      
52,652
      
4.35
%
    
4,211,962
      
46,234
      
4.40
%
       Total interest-earning assets
    
7,653,375
      
73,715
      
3.87
%
    
6,862,106
      
66,995
      
3.92
%
Noninterest-earning assets
    
1,003,278
                      
816,613
                  
     Total assets
  
$
8,656,653
                    
$
7,678,719
                  
                                                 
Interest-bearing liabilities:
                                                
   Interest checking, savings, and money market deposits
  
$
4,756,244
      
1,060
      
0.09
%
  
$
4,035,837
      
885
      
0.09
%
   Time deposits
    
761,043
      
812
      
0.43
%
    
741,358
      
846
      
0.46
%
   FHLB borrowings
    
147,108
      
210
      
0.58
%
    
336,801
      
294
      
0.35
%
   Subordinated debt held by unconsolidated subsidiary trusts
    
102,155
      
722
      
2.84
%
    
102,130
      
627
      
2.46
%
     Total interest-bearing liabilities
    
5,766,550
      
2,804
      
0.20
%
    
5,216,126
      
2,652
      
0.20
%
Noninterest-bearing liabilities:
                                                
   Noninterest checking deposits
    
1,532,322
                      
1,321,738
                  
   Other liabilities
    
151,428
                      
128,385
                  
Shareholders' equity
    
1,206,353
                      
1,012,470
                  
     Total liabilities and shareholders' equity
  
$
8,656,653
                    
$
7,678,719
                  
                                                 
Net interest earnings
          
$
70,911
                    
$
64,343
          
                                                 
Net interest spread
                    
3.67
%
                    
3.72
%
Net interest margin on interest-earning assets
                    
3.73
%
                    
3.76
%
                                                 
Fully tax-equivalent adjustment
          
$
2,605
                    
$
3,115
          

(1)
Averages for investment securities are based on historical cost basis and the yields do not give effect to changes in fair value that is reflected as a component of noninterest-earning assets, shareholders' equity, and deferred taxes.
 
(2)
Includes nonaccrual loans.  The impact of interest and fees not recognized on nonaccrual loans was immaterial.
 

31

Table 2b: Quarterly Average Balance Sheet

   
Six Months Ended
    
Six Months Ended
  
   
June 30, 2016
    
June 30, 2015
  
               
Avg.
                
Avg.
  
   
Average
          
Yield/Rate
    
Average
          
Yield/Rate
  
 (000's omitted except yields and rates)
  
Balance
    
Interest
    
Paid
    
Balance
    
Interest
    
Paid
  
Interest-earning assets:
                                    
   Cash equivalents
  
$
20,906
    
$
48
      
0.46
%
  
$
14,684
    
$
17
      
0.23
%
   Taxable investment securities (1)
    
2,175,716
      
27,564
      
2.55
%
    
1,938,779
      
25,504
      
2.65
%
   Nontaxable investment securities (1)
    
596,097
      
13,978
      
4.72
%
    
609,447
      
14,756
      
4.88
%
   Loans (net of unearned discount)(2)
    
4,839,575
      
104,405
      
4.34
%
    
4,201,450
      
92,259
      
4.43
%
       Total interest-earning assets
    
7,632,294
      
145,995
      
3.85
%
    
6,764,360
      
132,536
      
3.95
%
Noninterest-earning assets
    
998,165
                      
820,113
                  
     Total assets
  
$
8,630,459
                    
$
7,584,473
                  
                                                 
Interest-bearing liabilities:
                                                
   Interest checking, savings, and money market deposits
  
$
4,711,209
      
2,089
      
0.09
%
  
$
3,988,599
      
1,768
      
0.09
%
   Time deposits
    
776,571
      
1,677
      
0.43
%
    
752,202
      
1,763
      
0.47
%
   FHLB borrowings
    
170,962
      
497
      
0.59
%
    
281,541
      
494
      
0.35
%
   Subordinated debt held by unconsolidated subsidiary trusts
    
102,153
      
1,416
      
2.78
%
    
102,127
      
1,241
      
2.45
%
     Total interest-bearing liabilities
    
5,760,895
      
5,679
      
0.20
%
    
5,124,469
      
5,266
      
0.21
%
Noninterest-bearing liabilities:
                                                
   Noninterest checking deposits
    
1,529,954
                      
1,320,625
                  
   Other liabilities
    
147,811
                      
128,935
                  
Shareholders' equity
    
1,191,799
                      
1,010,444
                  
     Total liabilities and shareholders' equity
  
$
8,630,459
                    
$
7,584,473
                  
                                                 
Net interest earnings
          
$
140,316
                    
$
127,270
          
                                                 
Net interest spread
                    
3.65
%
                    
3.74
%
Net interest margin on interest-earning assets
                    
3.70
%
                    
3.79
%
                                                 
Fully tax-equivalent adjustment
          
$
5,129
                    
$
6,202
          

(1)
Averages for investment securities are based on historical cost basis and the yields do not give effect to changes in fair value that is reflected as a component of noninterest-earning assets, shareholders' equity, and deferred taxes.
 
(2)
Includes nonaccrual loans.  The impact of interest and fees not recognized on nonaccrual loans was immaterial.
 
32

As discussed above and disclosed in Table 3 below, the change in net interest income (fully tax-equivalent basis) may be analyzed by segregating the volume and rate components of the changes in interest income and interest expense for each underlying category.

Table 3: Rate/Volume

   
Three months ended June 30, 2016
    
Six months ended June 30, 2016
  
   
versus June 30, 2015
    
versus June 30, 2015
  
   
Increase (Decrease) Due to Change in (1)
    
Increase (Decrease) Due to Change in (1)
  
               
Net
                
Net
  
(000's omitted)
  
Volume
    
Rate
    
Change
    
Volume
    
Rate
    
Change
  
Interest earned on:
                                    
  Cash equivalents
  
$
8
    
$
6
    
$
14
    
$
9
    
$
22
    
$
31
  
  Taxable investment securities
    
951
      
(334
)
    
617
      
3,029
      
(969
)
    
2,060
  
  Nontaxable investment securities
    
(225
)
    
(104
)
    
(329
)
    
(319
)
    
(459
)
    
(778
)
  Loans
    
7,092
      
(674
)
    
6,418
      
13,792
      
(1,646
)
    
12,146
  
Total interest-earning assets (2)
    
7,632
      
(912
)
    
6,720
      
16,665
      
(3,206
)
    
13,459
  
                                                 
Interest paid on:
                                                
  Interest checking, savings and money
   market deposits
    
161
      
14
      
175
      
321
      
0
      
321
  
  Time deposits
    
22
      
(56
)
    
(34
)
    
56
      
(142
)
    
(86
)
  FHLB borrowings
    
(215
)
    
131
      
(84
)
    
(242
)
    
245
      
3
  
Subordinated debt held by unconsolidated
   subsidiary trusts
    
0
      
95
      
95
      
0
      
175
      
175
  
Total interest-bearing liabilities (2)
    
272
      
(120
)
    
152
      
634
      
(221
)
    
413
  
                                                 
Net interest earnings (2)
    
7,339
      
(771
)
    
6,568
      
16,013
      
(2,967
)
    
13,046
  
 
(1)
The change in interest due to both rate and volume has been allocated to volume and rate changes in proportion to the relationship of the absolute dollar amounts of such change in each component.
 
(2)
Changes due to volume and rate are computed from the respective changes in average balances and rates of the totals; they are not a summation of the changes of the components.
 

Noninterest Revenues

The Company's sources of noninterest revenues are of four primary types: 1) general banking services related to loans, deposits, and other core customer activities typically provided through the branch network and electronic banking channels (performed by CBNA); 2) employee benefit services (performed by Benefit Plans Administrative Services, Inc. and its subsidiaries); 3) wealth management services, comprised of trust services (performed by the trust unit within CBNA), investment products and services (performed by Community Investment Services, Inc. ("CISI") and OWM) and asset management services (performed by Nottingham Advisors, Inc.); and 4) insurance products and services (performed by OneGroup and CBNA Insurance Agency, Inc.).  Additionally, the Company has periodic transactions, most often net gains or losses from the sale of investment securities and prepayment of debt instruments.

Table 4: Noninterest Revenues

   
Three Months Ended
    
Six Months Ended
  
   
June 30,
    
June 30,
  
(000's omitted)
  
2016
    
2015
    
2016
    
2015
  
Deposit service fees
  
$
15,008
    
$
13,213
    
$
28,742
    
$
25,683
  
Employee benefit services
    
11,671
      
11,322
      
23,682
      
22,397
  
Insurance revenues
    
5,797
      
325
      
11,638
      
724
  
Wealth management services
    
4,699
      
4,060
      
9,815
      
8,107
  
Other banking services
    
1,126
      
603
      
2,247
      
1,182
  
Mortgage banking
    
471
      
196
      
929
      
672
  
   Total noninterest revenues
  
$
38,772
    
$
29,719
    
$
77,053
    
$
58,765
  
                                 
Noninterest revenues/operating revenues (FTE basis) (1)
    
35.3
%
    
31.6
%
    
35.4
%
    
31.6
%
 
(1)
 For purposes of this ratio noninterest revenues exclude gains and losses on sales of investment securities. Operating revenues is defined as net interest income on a fully-tax equivalent basis plus noninterest revenue, excluding gains and losses on sales of investment securities.
 
33

As displayed in Table 4, noninterest revenues were $38.8 million in the second quarter of 2016 and $77.1 million for the first six months of 2016.  This represents an increase of $9.1 million, or 30.5%, for the quarter and $18.3 million, or 31.1%, for the YTD period in comparison to 2015, as the Oneida acquisition helped produce growth in both financial services revenues and banking revenues.

General recurring banking noninterest revenue of $16.1 million for the second quarter and $31.0 million for the first six months of 2016 were up $2.3 million, or 16.8%, and $4.1 million, or 15.3%, respectively, as compared to the corresponding prior year periods.  This year-over-year increase was primarily driven by an expanded customer base following the Oneida transaction and an increase in deposit service fees resulting from increased debit card-related revenue as well as certain non-recurring insurance-related gains, partially offset by the continuing trend of lower utilization of overdraft protection programs and a decline in certain other deposit-related services.

Residential mortgage banking income totaled $0.5 million for the second quarter of 2016 and $0.9 million for the first six months of 2016, an increase of $0.3 million as compared to both the second quarter of 2015 and the first six months of 2015.  Residential mortgage banking income consists of realized gains or losses from the sale of residential mortgage loans and the origination of mortgage loan servicing rights, unrealized gains and losses on residential mortgage loans held for sale and related commitments, mortgage loan servicing fees and other residential mortgage loan-related fee income.  Residential mortgage loans sold to investors, primarily Fannie Mae, totaled $11.1 million in the second quarter of 2016 and $16.6 million for the first six months of 2016 compared to $7.7 million and $16.2 million in the respective comparable prior year periods.  Residential mortgage loans held for sale at June 30, 2016 totaled $0.5 million.  Realization of the unrealized gains or losses on mortgage loans held for sale and the related commitments, as well as future revenue generation from mortgage banking activities, are dependent on market conditions and long-term interest rate trends.

Employee benefit services revenue increased $0.3 million, or 3.1%, and $1.3 million, or 5.7%, for the three and six months ended June 30, 2016, respectively, as compared to the prior year periods.  This business benefited from new customer generation and expanded service offerings.  Wealth management and insurance services revenues were up $6.1 million for the first quarter of 2016 and up $12.6 million 2016 YTD as compared to the comparable time periods of 2015, primarily due to acquiring OneGroup and OWM in the Oneida transaction as well as solid growth from CISI and trust services.

The ratio of noninterest revenues to total revenues (FTE basis) was 35.3% for the quarter and 35.4% for the six months ended June 30, 2016, respectively, versus 31.6% for both of the comparable periods of 2015.  The increase for the year-to-date period is a function of a 31.1% increase in non-interest income while net interest income (FTE basis) increased at a lesser 10.3% rate, impacted by both the mix of business acquired in the Oneida transaction as well as the decline in net interest margin.

Noninterest Expenses

Table 5 below sets forth the quarterly results of the major noninterest expense categories for the current and prior year, as well as efficiency ratios (defined below), a standard measure of expense utilization effectiveness commonly used in the banking industry.

Table 5: Noninterest Expenses

   
Three Months Ended
    
Six Months Ended
  
   
June 30,
    
June 30,
  
(000's omitted)
  
2016
    
2015
    
2016
    
2015
  
Salaries and employee benefits
  
$
37,950
    
$
31,010
    
$
77,088
    
$
62,039
  
Occupancy and equipment
    
7,409
      
6,844
      
15,072
      
14,239
  
Data processing and communications
    
8,732
      
7,473
      
17,142
      
14,463
  
Amortization of intangible assets
    
1,403
      
880
      
2,845
      
1,799
  
Legal and professional fees
    
1,857
      
1,642
      
4,374
      
3,388
  
Office supplies and postage
    
1,846
      
1,517
      
3,623
      
3,097
  
Business development and marketing
    
2,149
      
2,258
      
4,163
      
3,822
  
FDIC insurance premiums
    
1,090
      
963
      
2,192
      
1,952
  
Acquisition expenses
    
263
      
361
      
340
      
756
  
Other
    
3,657
      
3,100
      
7,186
      
6,441
  
  Total noninterest expenses
  
$
66,356
    
$
56,048
    
$
134,025
    
$
111,996
  
 
                                
Operating expenses(1)/average assets
    
3.01
%
    
2.86
%
    
3.05
%
    
2.91
%
Efficiency ratio(2)
    
59.0
%
    
58.3
%
    
60.2
%
    
58.8
%
                                 

(1)
Operating expenses, a non-GAAP measure, is calculated as total noninterest expenses less acquisition expenses, and amortization of intangibles.  See Table 11 for Reconciliation of Quarterly GAAP to Non-GAAP Measures.
 
(2)
Efficiency ratio, a non-GAAP measure, is calculated as operating expenses as defined in (1) divided by net interest income on a fully tax-equivalent basis plus noninterest revenues.  See Table 11 for Reconciliation of Quarterly GAAP to Non-GAAP Measures.
 
 
34
As shown in Table 5, noninterest expenses were $66.4 million and $134.0 million for the second quarter and YTD periods of 2016, respectively, an increase of $10.3 million, or 18.4%, and $22.0 million, or 19.7%, from the prior year periods.  Included in the second quarter and YTD 2016 noninterest expenses are $0.1 million and $0.4 million less acquisition-related expenses, respectively, than the corresponding 2015 periods.  Salaries and employee benefits increased $6.9 million, or 22.4%, and $15.0 million, or 24.3%, for the second quarter and YTD periods of 2016, respectively, as compared to the corresponding periods of 2015.  The main drivers of the increases were an increase in average full-time equivalent employees due to the Oneida acquisition, annual merit-based personnel cost increases, and higher retirement plan benefits caused by lower pension discount rates.  The remaining change to operating expenses can be attributed to occupancy and equipment (up $0.6 million for the quarter and $0.8 million YTD), legal and professional (up $0.2 million for the quarter and up $1.0 million YTD), other expenses (up $0.6 million for the quarter and $0.7 million YTD), amortization of intangible assets (up $0.5 million for quarter and $1.0 million YTD), data processing and communications (up $1.3 million for the quarter and $2.7 million YTD), office supplies and postage (up $0.3 million for quarter and $0.5 million YTD), FDIC insurance premiums (up $0.1 million for the quarter and $0.2 million YTD), and  business development and marketing (down by $0.1 million for the quarter and up $0.3 million YTD), all primarily a result of additional costs associated with acquired Oneida business activities.
 
The Company's efficiency ratio (total operating expenses excluding intangible amortization and acquisition expenses divided by the sum of FTE net interest income and noninterest revenues excluding gains/(losses) on investment securities) was 59.0% for the second quarter, 0.7 percentage points unfavorable to the comparable quarter of 2015.  This resulted from operating expenses (as described above) increasing 18.0% while operating income increased by a smaller 16.6%, due to FTE net interest income growing at a slower 10.3% pace because of margin contraction.  The efficiency ratio of 60.2% for the first half of 2016 was 1.4 percentage points unfavorable as compared to the first six months of 2015 due to operating expenses (as described above) increasing 19.6% while 10.3% higher FTE-adjusted net interest income and a 31.1% increase in noninterest revenues resulted in an increase in operating income of a lesser 16.8%.  Current year operating expenses, excluding intangible amortization and acquisition expenses, as a percentage of average assets increased 15 basis points and 14 basis points versus the prior year quarter and year-to-date periods, respectively.  Operating expenses (as defined above) increased 18.0% for the quarter and 19.6% for the year-to-date period, while average assets increased at a slower 12.7% for the quarter and 13.8% for the year-to-date period.  Both ratios were impacted by the Oneida acquisition, whose business operations are more heavily weighted towards financial services which, by their nature, carry higher costs in relation to their asset levels.

Income Taxes

The second quarter and YTD 2016 effective income tax rates were 32.7% and 32.6%, respectively, as compared to the 30.5% and 30.8% for the comparable periods of 2015, reflective of a higher proportion of income being generated from fully taxable sources, as well as certain statutory changes to state tax rates and structures, including those related to the Company's overall asset size being above $8 billion on a consolidated basis.

Investments

The carrying value of investments (including unrealized gains and losses on available-for-sale securities) was $2.93 billion at the end of the second quarter, an increase of $83.4 million from December 31, 2015 and $63.3 million higher than June 30, 2015.  The book value (excluding unrealized gains and losses) of investments decreased $15.4 million from December 31, 2015 and decreased $44.5 million from June 30, 2015.  During the first six months of 2016, the Company purchased $4.8 million of obligations of state and political subdivisions with an average yield of 4.26%, and $22.1 million of government agency mortgage-backed securities with an average yield of 2.35%.  The Company also received $49.3 million of investment maturities, calls, and principal payments during the first six months of 2016.

The change in the carrying value of investments is also impacted by the amount of net unrealized gains in the available-for-sale portfolio.  At June 30, 2016, the portfolio had a $164.6 million net unrealized gain, an increase of $98.8 million from the unrealized gain at December 31, 2015 and a $107.8 million increase from the unrealized gain at June 30, 2015.  These changes in the net unrealized gain were principally driven by the downward movement in longer-term interest rates.
35


Table 6: Investment Securities

 
   
June 30, 2016
    
December 31, 2015
    
June 30, 2015
  
   
Amortized
    
Fair
    
Amortized
    
Fair
    
Amortized
    
Fair
  
(000's omitted)
  
Cost
    
Value
    
Cost
    
Value
    
Cost
    
Value
  
                                     
Available-for-Sale Portfolio:
                                    
U.S. Treasury and agency securities
  
$
1,871,049
    
$
1,992,657
    
$
1,866,819
    
$
1,899,978
    
$
1,861,584
    
$
1,893,445
  
Obligations of state and political subdivisions
    
611,129
      
645,488
      
640,455
      
666,883
      
645,271
      
662,764
  
Government agency mortgage-backed securities
    
215,191
      
223,139
      
205,220
      
210,865
      
212,145
      
218,755
  
Corporate debt securities
    
16,606
      
16,660
      
16,672
      
16,680
      
26,738
      
26,817
  
Government agency collateralized mortgage
   obligations
    
11,006
      
11,502
      
12,862
      
13,308
      
15,034
      
15,655
  
Marketable equity securities
    
251
      
417
      
250
      
399
      
250
      
425
  
     Total available-for-sale portfolio
    
2,725,232
      
2,889,863
      
2,742,278
      
2,808,113
      
2,761,022
      
2,817,861
  
 
                                                
Other Securities:
                                                
Federal Home Loan Bank common stock
    
17,732
      
17,732
      
19,317
      
19,317
      
29,864
      
29,864
  
Federal Reserve Bank common stock
    
19,780
      
19,780
      
16,050
      
16,050
      
16,050
      
16,050
  
Other equity securities
    
3,926
      
3,926
      
4,460
      
4,460
      
4,275
      
4,275
  
     Total other securities
    
41,438
      
41,438
      
39,827
      
39,827
      
50,189
      
50,189
  
                                                 
Total investments
  
$
2,766,670
    
$
2,931,301
    
$
2,782,105
    
$
2,847,940
    
$
2,811,211
    
$
2,868,050
  

Loans

As shown in Table 7, loans ended the second quarter at $4.9 billion, up $641.2 million, or 15.0%, from one year earlier and up $103.4 million, or 2.2%, from the end of 2015.  The growth during the last twelve months was attributable to the Oneida transaction with $390.7 million of the increase, combined with organic growth in all portfolios, particularly the business lending and consumer indirect loans.  The increase during the first six months of 2016 occurred primarily from consumer indirect lending and business lending, partially offset by a slight decrease in the home equity portfolio.

Table 7: Loans

(000's omitted)
  
June 30, 2016
    
December 31, 2015
    
June 30, 2015
  
Consumer mortgage
  
$
1,779,295
      
36.3
%
  
$
1,769,754
      
36.8
%
  
$
1,608,064
      
37.7
%
Business lending
    
1,536,546
      
31.3
%
    
1,497,271
      
31.2
%
    
1,295,889
      
30.4
%
Consumer indirect
    
993,132
      
20.2
%
    
935,760
      
19.5
%
    
837,449
      
19.6
%
Consumer direct
    
195,959
      
4.0
%
    
195,076
      
4.1
%
    
181,623
      
4.3
%
Home equity
    
399,870
      
8.2
%
    
403,514
      
8.4
%
    
340,578
      
8.0
%
  Total loans
   $
4,904,802
      
100.0
%
  
$
4,801,375
      
100.0
%
   $
4,263,603
      
100.0
%

Consumer mortgages increased $171.2 million, or 10.6%, from one year ago, with $129.2 million of the increase related to the Oneida acquisition.  The portfolio increased $9.5 million, or 0.5%, from December 31, 2015.  Consumer mortgage volume has been strong over the last few years due to historically low long-term rates and comparatively stable real estate valuations in the Company's primary markets.  Interest rate levels and expected duration continue to be the most significant factors in determining whether the Company chooses to retain, versus sell and service, portions of its new mortgage production.

The combined total of general-purpose business lending to commercial and industrial customers, mortgages on commercial property and dealer floor plan financing is characterized as the Company's business lending activity.  The business lending portfolio increased $240.7 million, or 18.6%, from June 30, 2015, with the Oneida transaction contributing $160.8 million of the increase. In addition, the portfolio increased $39.3 million, or 2.6%, from December 31, 2015, as 2016 loan generation continued to outpace contractual and unscheduled principal reductions.  Highly competitive conditions continue to prevail in the small and middle market commercial segments in which the Company operates.  The Company maintains its commitment to generating growth in its business portfolio in a manner that adheres to its twin goals of maintaining strong asset quality and producing profitable margins.  The Company continues to invest in additional personnel, technology, and business development resources to further strengthen its capabilities in this important product category.
36

 
Consumer installment loans, both those originated directly (such as personal installment and lines of credit), and indirectly (originated predominantly in automobile, marine, and recreational vehicle dealerships), increased $170.0 million, or 16.7%, on a year-over-year basis, with $49.6 million relating to the Oneida transaction, as well as strong organic growth in the indirect portfolio consistent with regional market conditions.  Additionally, the portfolio increased $58.3 million, or 5.2%, as compared to December 31, 2015, again reflective of strong organic growth.  The volume of new and used vehicle sales to upper tier credit profile customers in the Company's primary markets has continued to expand in recent years.  The Company is focused on maintaining the solid profitability produced by its in-market and contiguous market indirect portfolio, while continuing to pursue its disciplined, long-term approach to expanding its dealer network.

Home equity loans increased $59.3 million, or 17.4%, from one year ago primarily due to the $51.1 million acquired in the Oneida transaction, as well as organic growth driven by proactive marketing efforts and competitive rate offerings.  The portfolio decreased $3.6 million, or 0.9%, from December 31, 2015, due in part to home equity loans being paid off or down as part of the heightened level of consumer deleveraging that has occurred in response to the continued low rate environment.

Asset Quality

Table 8 below exhibits the major components of nonperforming loans and assets and key asset quality metrics for the periods ending June 30, 2016 and 2015 and December 31, 2015.
Table 8: Nonperforming Assets
   
June 30,
    
December 31,
    
June 30,
  
(000's omitted)
  
2016
    
2015
    
2015
  
Nonaccrual loans
                  
  Consumer mortgage
  
$
13,844
    
$
12,790
    
$
15,105
  
  Business lending
    
5,974
      
6,567
      
3,831
  
  Consumer indirect
    
0
      
0
      
0
  
  Consumer direct
    
0
      
15
      
19
  
  Home equity
    
2,332
      
2,356
      
2,485
  
     Total nonaccrual loans
    
22,150
      
21,728
      
21,440
  
Accruing loans 90+ days delinquent
                        
  Consumer mortgage
    
1,288
      
1,805
      
1,058
  
  Business lending
    
342
      
126
      
265
  
  Consumer indirect
    
142
      
102
      
26
  
  Consumer direct
    
26
      
51
      
8
  
  Home equity
    
111
      
111
      
201
  
     Total accruing loans 90+ days delinquent
    
1,909
      
2,195
      
1,558
  
Nonperforming loans
                        
  Consumer mortgage
    
15,132
      
14,595
      
16,163
  
  Business lending
    
6,316
      
6,693
      
4,096
  
  Consumer indirect
    
142
      
102
      
26
  
  Consumer direct
    
26
      
66
      
27
  
  Home equity
    
2,443
      
2,467
      
2,686
  
     Total nonperforming loans
    
24,059
      
23,923
      
22,998
  
Other real estate owned (OREO)
    
1,726
      
2,088
      
2,324
  
     Total nonperforming assets
  
$
25,785
    
$
26,011
    
$
25,322
  
 
                        
Nonperforming loans / total loans
    
0.49
%
    
0.50
%
    
0.54
%
Nonperforming assets / total loans and other real estate
    
0.53
%
    
0.54
%
    
0.59
%
Delinquent loans (30 days old to nonaccruing) to total loans
    
1.10
%
    
1.16
%
    
1.09
%
Net charge-offs to average loans outstanding (quarterly)
    
0.11
%
    
0.31
%
    
0.03
%
Legacy net charge-offs to average legacy loans outstanding (quarterly)
    
0.13
%
    
0.34
%
    
0.04
%
Provision for loan losses to net charge-offs (quarterly)
    
168
%
    
95
%
    
188
%
Legacy provision for loan losses to net charge-offs (quarterly) (1)
    
144
%
    
62
%
    
191
%
(1)Legacy loans exclude loans acquired after January 1, 2009. These ratios are included for comparative purposes to prior periods.
  




37

As displayed in Table 8, nonperforming assets at June 30, 2016 were $25.8 million, a $0.2 million decrease versus the level at the end of 2015 and a $0.5 million increase as compared to one year earlier.  Nonperforming loans increased $0.1 million from year-end 2015 and were up $1.1 million from June 30, 2015.  Other real estate owned ("OREO") at June 30, 2016 of $1.7 million decreased $0.4 million from December 31, 2015 and decreased $0.6 million from June 30, 2015.  At June 30, 2016, OREO consisted of two commercial properties with a total value of $0.3 million and 31 residential properties with a total value of $1.4 million.  This compares to four commercial properties with a total value of $0.6 million and 27 residential OREO properties with a total value of $1.5 million at December 31, 2015 and six commercial properties with a total value of $0.6 million and 27 residential properties with a total value of $1.8 million at June 30, 2015.  Nonperforming loans were 0.49% of total loans outstanding at the end of the second quarter, one basis point lower than the level at December 31, 2015 and a five basis point improvement from the level at June 30, 2015.

Approximately 63% of nonperforming loans at June 30, 2016 are related to the consumer mortgage portfolio.  Collateral values of residential properties within the Company's market area have generally stabilized over the past few years.  Additionally, improved process efficiency and economic conditions as well as lower unemployment levels have positively impacted consumers and have resulted in generally improving nonperforming mortgage levels in 2015 and 2016.  Approximately 26% of the nonperforming loans at June 30, 2016 were related to the business lending portfolio, which is comprised of business loans broadly diversified by industry type.  The level of nonperforming business loans has trended upward recently, which is due primarily to one large relationship.  However the level of nonperforming business loans is below the Company's longer-term average results as a proportion of total business loans.  The remaining 11% of nonperforming loans relate to consumer installment and home equity loans, with home equity non-performing loan levels being driven by the same factors identified for consumer mortgages.  The allowance for loan losses to nonperforming loans ratio, a general measure of coverage adequacy, was 193% at the end of the second quarter, as compared to 190% at year-end 2015 and 197% at June 30, 2015.

Members of the Company's senior management, special asset officers, and lenders review all delinquent and nonaccrual loans and OREO regularly in order to identify deteriorating situations, monitor known problem credits, and discuss any needed changes to collection efforts, if warranted.  Based on the group's consensus, a relationship may be assigned a special assets officer or other senior lending officer to review the loan, meet with the borrowers, assess the collateral and recommend an action plan.  This plan could include foreclosure, restructuring loans, issuing demand letters or other actions.  The Company's larger criticized credits are also reviewed on a quarterly basis by senior credit administration, as well as special assets and commercial lending management to monitor their status and discuss relationship management plans.  Commercial lending management reviews the criticized loan portfolio on a monthly basis.

Delinquent loans (30 days past due through nonaccruing) as a percent of total loans was 1.10% at the end of the second quarter, six basis points below the 1.16% at year-end 2015 and one basis points above the 1.09% at June 30, 2015.  The business lending delinquency ratio at the end of the second quarter was two basis points above the level at December 31, 2015 and 33 basis points above the level at June 30, 2015.  The delinquency rate for consumer direct loans decreased as compared to the level at December 31, 2015, but increased over the level at June 30, 2015.  The consumer indirect and installment loan delinquency level decreased as compared to both December 31, 2015 and June 30, 2015.  The delinquency ratio for consumer mortgages was unchanged from December 31, 2015, but was lower than the level one year ago, while the delinquency ratio for the home equity portfolio decreased as compared to both December 31, 2015 and June 30, 2015.  The Company's success at keeping the nonperforming and delinquency ratios at favorable levels has been the result of its continued focus on maintaining strict underwriting standards, as well as the effective utilization of its collection and recovery capabilities.


38

Table 9: Allowance for Loan Losses Activity
   
Three Months Ended
    
Six Months Ended
  
   
June 30,
    
June 30,
  
(000's omitted)
  
2016
    
2015
    
2016
    
2015
  
Allowance for loan losses at beginning of period
  
$
45,596
    
$
45,005
    
$
45,401
    
$
45,341
  
Charge-offs:
                                
  Consumer mortgage
    
156
      
199
      
243
      
642
  
  Business lending
    
796
      
342
      
1,005
      
476
  
  Consumer indirect
    
1,545
      
1,397
      
3,401
      
2,823
  
  Consumer direct
    
389
      
294
      
852
      
639
  
  Home equity
    
80
      
56
      
137
      
122
  
     Total charge-offs
    
2,966
      
2,288
      
5,638
      
4,702
  
Recoveries:
                                
  Consumer mortgage
    
38
      
45
      
83
      
66
  
  Business lending
    
156
      
527
      
291
      
608
  
  Consumer indirect
    
1,140
      
1,184
      
2,255
      
2,337
  
  Consumer direct
    
238
      
199
      
460
      
392
  
  Home equity
    
19
      
19
      
28
      
26
  
     Total recoveries
    
1,591
      
1,974
      
3,117
      
3,429
  
                                 
Net charge-offs
    
1,375
      
314
      
2,521
      
1,273
  
Provision for loans losses
    
2,305
      
591
      
3,646
      
1,214
  
                                 
Allowance for loan losses at end of period
  
$
46,526
    
$
45,282
    
$
46,526
    
$
45,282
  
Allowance for loan losses / total loans
    
0.95
%
    
1.06
%
    
0.95
%
    
1.06
%
Allowance for legacy loan losses / total legacy loans (1)
    
1.02
%
    
1.11
%
    
1.02
%
    
1.11
%
Allowance for loan losses / nonperforming loans
    
193
%
    
197
%
    
193
%
    
197
%
Allowance for legacy loan losses  / legacy nonperforming loans (1)
    
224
%
    
223
%
    
224
%
    
223
%
Net charge-offs (annualized) to average loans outstanding:
                                
  Consumer mortgage
    
0.03
%
    
0.04
%
    
0.02
%
    
0.07
%
  Business lending
    
0.17
%
    
-0.06
%
    
0.09
%
    
-0.02
%
  Consumer indirect
    
0.17
%
    
0.10
%
    
0.24
%
    
0.12
%
  Consumer direct
    
0.30
%
    
0.21
%
    
0.40
%
    
0.27
%
  Home equity
    
0.06
%
    
0.04
%
    
0.05
%
    
0.06
%
  Total loans
    
0.11
%
    
0.03
%
    
0.10
%
    
0.06
%
 
(1)
Legacy loans exclude loans acquired after January 1, 2009.  These ratios are included for comparative purposes to prior periods.

As displayed in Table 9, net charge-offs during the second quarter of 2016 were $1.4 million, $1.1 million greater than the second quarter of 2015.  Net charge-offs for the six months ended June 30, 2016 were $2.5 million, a $1.2 million increase from the first six months of 2015.  All portfolios except consumer mortgage experienced higher levels of net charge-offs through the first six months of 2016 as compared to the first six months of 2015, reflective of historically low net charge off levels in the comparable prior year period.  The net charge-off ratio (net charge-offs as a percentage of average loans outstanding) for the second quarter of 2016 was 0.11%, 20 basis points lower than the fourth quarter of 2015 and eight basis points higher than the second quarter of 2015.  Net charge-offs and the corresponding net charge-off ratios continue to be below average long-term historical levels.

The provision for loan losses was $2.3 million in the second quarter, of which $2.0 million related to legacy loans and acquired loans accounting for $0.3 million.  The provision was $1.7 million higher than the equivalent prior year period, reflective of a larger loan portfolio.  The second quarter 2016 loan loss provision was $0.9 million more than the level of net charge-offs for the quarter, reflective of an increase in loan balances.  The allowance for loan losses of $46.5 million as of June 30, 2016 was an increase of $1.2 million from the level one year ago, reflective of an increase in the size of the loan portfolio.  Stable asset quality metrics have resulted in an allowance for loan loss to total loans ratio of 0.95% at June 30, 2016, 11 basis points lower than June 30, 2015 and equal to the level reported at December 31, 2015.

As of June 30, 2016, the purchase discount related to the $566.7 million of remaining non-impaired loan balances acquired from Oneida, HSBC Bank USA, N.A., First Niagara Bank, N.A., and Wilber National Bank was approximately $8.9 million, or 1.6% of that portfolio, with $1.9 million included in the allowance for loan losses for acquired loans where the carrying value exceeded the estimated net recoverable value.

39

Deposits

As shown in Table 10, average deposits of $7.0 billion in the second quarter were up $950.7 million, or 15.6%, compared to the second quarter of 2015, with $718.7 million of the increase relating to the Oneida transaction.  Average deposits increased $701.0 million, or 11.0%, from the fourth quarter of last year, with $507.9 million of the increase relating to acquired Oneida deposit relationships.  The mix of average deposits continues to change as the weightings of core deposits (noninterest checking, interest checking, savings and money markets accounts) have increased from prior year levels.  Conversely, the proportion of time deposits decreased, consistent with the last several years.  This change in deposit mix reflects the Company's goal of expanding core account relationships and reducing higher cost time deposit balances, as well as the preference of certain customers to hold a higher proportion of their funds in liquid accounts in the low interest rate environment.  This shift in product mix resulted in the average cost of deposits declining from 0.12% for the first six months of 2015 to 0.11% for the first six months of 2016.  The Company continues to focus heavily on growing its core deposit relationships through its proactive marketing efforts, competitive product offerings, and high quality customer service.

The average nonpublic fund deposits for the second quarter of 2016 increased $443.5 million, or 7.9%, versus the fourth quarter of 2015, $353.3 million of which is attributable to the Oneida transaction.  Compared to the second quarter of 2015, average nonpublic deposits increased $654.9 million, or 12.1%, with $510.3 million attributable to the Oneida transaction.  Average public fund deposits for the second quarter increased $257.5 million, or 34.5%, from the fourth quarter of 2015 and $295.8 million, or 41.8%, from the second quarter of 2015.  The Oneida transaction was responsible for $154.5 million of the increase from the fourth quarter and $208.4 million of the increase from the prior year second quarter.  Public fund deposits as a percentage of total deposits increased from 11.6% in the second quarter of 2015 to 14.2% in the second quarter of 2016, as the Company has been able to expand its municipal deposit relationships in its markets and the acquired Oneida deposit relationships were more heavily weighted toward municipal balances.


Table 10: Quarterly Average Deposits

   
June 30,
    
December 31,
    
June 30,
  
(000's omitted)
  
2016
    
2015
    
2015
  
Noninterest checking deposits
  
$
1,532,322
    
$
1,405,416
    
$
1,321,738
  
Interest checking deposits
    
1,651,843
      
1,459,811
      
1,437,708
  
Regular savings deposits
    
1,306,722
      
1,154,110
      
1,092,825
  
Money market deposits
    
1,797,679
      
1,601,641
      
1,505,304
  
Time deposits
    
761,043
      
727,648
      
741,358
  
  Total deposits
  
$
7,049,609
    
$
6,348,626
    
$
6,098,933
  
 
                        
Nonpublic fund deposits
  
$
6,046,329
    
$
5,602,822
    
$
5,391,406
  
Public fund deposits
    
1,003,280
      
745,804
      
707,527
  
  Total deposits
  
$
7,049,609
    
$
6,348,626
    
$
6,098,933
  

Borrowings

The second quarter of 2016 ended with external borrowings of $369.8 million which were $33.7 million, or 8.4%, lower than borrowings at December 31, 2015, and $298.6 million, or 44.7%, less than the end of the second quarter of 2015.  This decrease was a result of utilizing the net liquidity from the Oneida transaction and additional liquidity from organic deposit growth to reduce overnight borrowing at the FHLB.

Shareholders' Equity

Total shareholders' equity of $1.2 billion at the end of the second quarter represents an increase of $96.3 million from the balance at December 31, 2015.  This increase consisted of net income of $50.3 million, a $61.8 million increase in other comprehensive income, $5.4 million from treasury stock issued to the Company's 401(k) plan, $3.9 million from shares issued under the employee stock plan and $2.2 million from employee stock options earned, partially offset by dividends declared of $27.3 million.  The change in other comprehensive income was comprised of a $61.4 million increase in the after-tax market value adjustment on the available-for-sale investment portfolio and a positive $0.4 million adjustment to the funded status of the Company's retirement plans.  Over the past 12 months, total shareholders' equity increased by $236.6 million, as net income, a higher market value adjustment on investments, and the issuance of common stock more than offset dividends declared, and the change in the funded status of the Company's defined benefit pension and other postretirement plans.


40

The Company's Tier 1 leverage ratio, a primary measure of regulatory capital for which 5% is the requirement to be "well-capitalized", was 10.14% at the end of the second quarter, down 18 basis points from year-end 2015 and six basis points below its level one year earlier.  The decrease in the Tier 1 leverage ratio in comparison to December 31, 2015 is the result of shareholders' equity excluding intangibles and other comprehensive income items increasing 4.0%, primarily from net earnings retention, while average assets excluding intangibles and the market value adjustment on investments increased 5.9%, in part due to the fourth quarter of 2015 including the Oneida acquisition for less than a month.  The Tier 1 leverage ratio decreased as compared to the prior year's second quarter as shareholders' equity, excluding intangibles and other comprehensive income, increased 11.0% due to strong earnings retention and issuance of shares in connection with the Oneida transaction, while average assets excluding intangibles and the market value adjustment increased 11.7%, driven by solid organic loan growth, investment purchases, and the Oneida acquisition.  The net tangible equity-to-assets ratio (a non-GAAP measure) of 9.58% increased 99 basis points from December 31, 2015 and increased 95 basis points versus June 30, 2015 (See Table 11 for Reconciliation of Quarterly GAAP to Non-GAAP Measures).  The increase in the tangible equity ratio during 2016 is primarily attributable to proportionally larger increases in tangible equity levels than the increases in tangible assets due to earnings retention and the increase in the investment market value adjustment outpacing tangible asset growth.

The dividend payout ratio (dividends declared divided by net income) for the first six months of 2016 was 54.3%, compared to 52.8% for the six months ended June 30, 2015.  Dividends declared increased 12.1% as the Company's quarterly dividend per share was raised from $0.30 to $0.31 in July 2015, while net income for June YTD 2016 increased 8.9% over the prior year period.  The 2015 dividend increase marked the Company's 23rd consecutive year of increased dividend payouts to common shareholders.  Additionally, the number of common shares outstanding increased 8.1% over the last twelve months including the impact of the 2.38 million shares issued in the Oneida transaction which accounted for 5.8% of the increase.

Liquidity

Liquidity risk is a measure of the Company's ability to raise cash when needed at a reasonable cost and minimize any loss.  The Bank maintains appropriate liquidity levels in both normal operating environments as well as stressed environments.  The Company must be capable of meeting all obligations to its customers at any time and, therefore, the active management of its liquidity position remains an important management objective.  The Bank has appointed the Asset Liability Committee ("ALCO") to manage liquidity risk using policy guidelines and limits on indicators of potential liquidity risk.  The indicators are monitored using a scorecard with three risk level limits.  These risk indicators measure core liquidity and funding needs, capital at risk and change in available funding sources.  The risk indicators are monitored using such statistics as the core basic surplus ratio, unencumbered securities to average assets, free loan collateral to average assets, loans to deposits, deposits to total funding and borrowings to total funding ratios.

Given the uncertain nature of our customers' demands as well as the Company's desire to take advantage of earnings enhancement opportunities, the Company must have adequate sources of on- and off-balance sheet funds available that can be acquired in time of need.  Accordingly, in addition to the liquidity provided by balance sheet cash flows, liquidity must be supplemented with additional sources such as credit lines from correspondent banks and borrowings from the FHLB and the Federal Reserve Bank of New York ("Federal Reserve").  Other funding alternatives may also be appropriate from time to time, including wholesale and retail repurchase agreements, large certificates of deposit and the brokered CD market.  The primary source of non-deposit funds is FHLB overnight advances, of which $267.6 million was outstanding at June 30, 2016.

The Bank's primary sources of liquidity are its liquid assets, as well as unencumbered securities that can be used to collateralize additional funding.  At June 30, 2016, the Bank had $161.6 million of cash and cash equivalents of which $26.2 million are interest-earning deposits held at the Federal Reserve, FHLB and other correspondent banks.  The Bank also had $1.1 billion in unused FHLB borrowing capacity based on the Company's quarter-end collateral levels.  Additionally, the Company has $1.6 billion of unencumbered securities that could be pledged at the FHLB or Federal Reserve to obtain additional funding.  There is $25 million available in unsecured lines of credit with other correspondent banks.

The Company's primary approach to measuring short-term liquidity is known as the Basic Surplus/Deficit model.  It is used to calculate liquidity over two time periods: first, the amount of cash that could be made available within 30 days (calculated as liquid assets less short-term liabilities as a percentage of average assets); and second, a projection of subsequent cash availability over an additional 60 days.  As of June 30, 2016, this ratio was 18.3% for 30-days and 18.2% for 90-days, excluding the Company's capacity to borrow additional funds from the FHLB and other sources.  There is a sufficient amount of liquidity based on the Company's internal policy requirement of 7.5%.

A sources and uses statement is used by the Company to measure intermediate liquidity risk over the next twelve months.  As of June 30, 2016, there is more than enough liquidity available during the next year to cover projected cash outflows.  In addition, stress tests on the cash flows are performed in various scenarios ranging from high probability events with a low impact on the liquidity position to low probability events with a high impact on the liquidity position.  The results of the stress tests as of June 30, 2016 indicate the Bank has sufficient sources of funds for the next year in all simulated stressed scenarios.

To measure longer-term liquidity, a baseline projection of loan and deposit growth for five years is made to reflect how liquidity levels could change over time.  This five-year measure reflects ample liquidity for loan and other asset growth over the next five years.
41

Though remote, the possibility of a funding crisis exists at all financial institutions.  Accordingly, management has addressed this issue by formulating a Liquidity Contingency Plan, which has been reviewed and approved by both the Company's Board of Directors (the "Board") and the Company's ALCO.  The plan addresses the actions that the Company would take in response to both a short-term and long-term funding crisis.

A short-term funding crisis would most likely result from a shock to the financial system, either internal or external, which disrupts orderly short-term funding operations.  Such a crisis would likely be temporary in nature and would not involve a change in credit ratings.  A long-term funding crisis would most likely be the result of drastic credit deterioration at the Company.  Management believes that both potential circumstances have been fully addressed through detailed action plans and the establishment of trigger points for monitoring such events.

Forward-Looking Statements

This document contains comments or information that constitute forward-looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995), which involve significant risks and uncertainties.  Forward-looking statements often use words such as "anticipate," "target," "expect," "estimate," "intend," "plan," "goal," "forecast, " "believe," or other words of similar meaning.  Actual results may differ materially from the results discussed in the forward-looking statements.  Moreover, the Company's plans, objectives and intentions are subject to change based on various factors (some of which are beyond the Company's control).  Factors that could cause actual results to differ from those discussed in the forward-looking statements include:  (1) risks related to credit quality, interest rate sensitivity and liquidity;  (2) the strength of the U.S. economy in general and the strength of the local economies where the Company conducts its business;  (3) the effect of, and changes in, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System;  (4) inflation, interest rate, market and monetary fluctuations;  (5) the timely development of new products and services and customer perception of the overall value thereof (including, but not limited to, features, pricing and quality) compared to competing products and services;  (6) changes in consumer spending, borrowing and savings habits;  (7) technological changes and implementation and financial risks associated with transitioning to new technology-based systems involving large multi-year contracts;  (8) the ability of the Company to maintain the security of its financial, accounting, technology, data processing and other operating systems and facilities;  (9) any acquisitions or mergers that might be considered or consummated by the Company and the costs and factors associated therewith, including differences in the actual financial results of the acquisition or merger compared to expectations and the realization of anticipated cost savings and revenue enhancements;  (10) the ability to maintain and increase market share and control expenses;  (11) the nature, timing and effect of changes in banking regulations or other regulatory or legislative requirements affecting the respective businesses of the Company and its subsidiaries, including changes in laws and regulations concerning taxes, accounting, banking, risk management, securities and other aspects of the financial services industry, specifically the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010;  (12) changes in the Company's organization, compensation and benefit plans and in the availability of, and compensation levels for, employees in its geographic markets;  (13) the outcome of pending or future litigation and government proceedings; (14) other risk factors outlined in the Company's filings with the SEC from time to time; and (15) the success of the Company at managing the risks of the foregoing.

The foregoing list of important factors is not all-inclusive.  Such forward-looking statements speak only as of the date on which they are made and the Company does not undertake any obligation to update any forward-looking statement, whether written or oral, to reflect events or circumstances after the date on which such statement is made.  If the Company does update or correct one or more forward-looking statements, investors and others should not conclude that the Company would make additional updates or corrections with respect thereto or with respect to other forward-looking statements.
42

Reconciliation of Quarterly GAAP to Non-GAAP Measures

Table 11: Quarterly GAAP to Non-GAAP Reconciliations

   
Three Months Ended
    
Six Months Ended
  
   
June 30,
    
June30,
  
(000's omitted)
  
2016
    
2015
    
2016
    
2015
  
Income statement data
                        
Operating expenses
                        
  Noninterest expenses (GAAP)
  
$
66,356
    
$
56,048
    
$
134,025
    
$
111,996
  
  Acquisition expenses
    
(263
)
    
(361
)
    
(340
)
    
(756
)
  Amortization of intangibles
    
(1,403
)
    
(880
)
    
(2,845
)
    
(1,799
)
     Operating expenses (non-GAAP)
  
$
64,690
    
$
54,807
    
$
130,840
    
$
109,441
  
 Efficiency ratio
                                
  Operating expenses (non-GAAP) - numerator
  
$
64,690
    
$
54,807
    
$
130,840
    
$
109,441
  
  Tax-equivalent net interest income
    
70,911
      
64,343
      
140,316
      
127,270
  
  Noninterest revenues
    
38,772
      
29,719
      
77,053
      
58,765
  
  Denominator
  
$
109,683
    
$
94,062
    
$
217,369
    
$
186,035
  
     Efficiency ratio (non-GAAP)
    
59.0
%
    
58.3
%
    
60.2
%
    
58.8
%
                                 
 
   
June 30,
    
December 31,
    
June 30,
  
(000's omitted)
    
2016
      
2015
      
2015
  
Balance sheet data
                        
Net tangible equity-to-assets ratio at period end
                        
  Shareholders' equity (GAAP)
   $
1,236,929
     $
1,140,647
     $
1,000,339
  
  Intangible assets
    
(483,478
)
    
(484,146
)
    
(385,515
)
  Deferred taxes on goodwill
    
41,528
      
39,724
      
37,685
  
  Tangible common equity (non-GAAP) - numerator
   $
794,979
     $
696,225
     $
652,509
  
  Total assets (GAAP)
   $
8,742,111
     $
8,552,669
     $
7,908,771
  
  Intangible assets
    
(483,478
)
    
(484,146
)
    
(385,515
)
  Deferred taxes on goodwill
    
41,528
      
39,724
      
37,685
  
  Tangible assets (non-GAAP) - denominator
   $
8,300,161
     $
8,108,247
     $
7,560,941
  
     Net tangible equity-to-assets ratio at period end (non-GAAP)
    
9.6
%
    
8.6
%
    
8.6
%
 
                        

Item 3. Quantitative and Qualitative Disclosures about Market Risk

Market risk is the risk of loss in a financial instrument arising from adverse changes in market rates, prices or credit risk.  Credit risk associated with the Company's loan portfolio has been previously discussed in the asset quality section of the MD&A.  Management believes that the tax risk of the Company's municipal investments associated with potential future changes in statutory, judicial and regulatory actions is minimal.  Treasury, agency, mortgage-backed and CMO securities issued by government agencies comprise 77% of the total portfolio and are currently rated AAA by Moody's Investor Services and AA+ by Standard & Poor's.  Municipal and corporate bonds account for 23% of the total portfolio, of which, 98% carry a minimum rating of A-.  The remaining 2% of the portfolio is comprised of other investment grade securities.  The Company does not have material foreign currency exchange rate risk exposure.  Therefore, almost all the market risk in the investment portfolio is related to interest rates.

The ongoing monitoring and management of both interest rate risk and liquidity, in the short and long term time horizons is an important component of the Company's asset/liability management process, which is governed by limits established in the policies reviewed and approved annually by the Company's Board.  The Board delegates responsibility for carrying out the policies to the ALCO, which meets each month.  The committee is made up of the Company's senior management as well as regional and line-of-business managers who oversee specific earning asset classes and various funding sources.  As the Company does not believe it is possible to reliably predict future interest rate movements, it has maintained an appropriate process and set of measurement tools, which enables it to identify and quantify sources of interest rate risk in varying rate environments.  The primary tool used by the Company in managing interest rate risk is income simulation.

43

While a wide variety of strategic balance sheet and treasury yield curve scenarios are tested on an ongoing basis, the following reflects the Company's projected net interest income sensitivity over the subsequent twelve months based on:

·
Asset and liability levels using June 30, 2016 as a starting point.

·
There are assumed to be conservative levels of balance sheet growth, low-to-mid single digit growth in loans and deposits, while using the cash flows from investment contractual maturities and prepayments to repay short-term capital market borrowings or reinvest into securities or cash equivalents.

·
The prime rate and federal funds rates are assumed to move up over a 12-month period while moving the long end of the treasury curve to spreads over the three month treasury that are more consistent with historical norms (normalized yield curve).  In the -25 basis point model, the prime and federal funds rates move lower in the first quarter of year one while moving the long end of the curve to levels over the three month treasury using spreads at a time when the yield curve was flat.  Deposit rates are assumed to move in a manner that reflects the historical relationship between deposit rate movement and changes in the federal funds rate.

·
Cash flows are based on contractual maturity, optionality, and amortization schedules along with applicable prepayments derived from internal historical data and external sources.

Net Interest Income Sensitivity Model
 
 
 
Change in interest rates
Calculated annualized increase
(decrease) in projected net interest
income at June 30, 2016
+200 basis points
($3,458,000)
+100 basis points
($1,055,000)
-25 basis points
   ($329,000)

The modeled net interest income ("NII") decreases in rising rate environments from the flat rate scenario.  The decrease is largely a result of assumed deposit and funding costs increasing faster than the repricing of corresponding assets.  In the short term (year one), the assumed increase of deposit rates in the rising rate environment temporarily outweighs the benefit of earning asset yields increasing to higher levels.  However, over a longer time period (years two and beyond), the growth in NII improves in the rising rate environments as lower yielding assets mature and are replaced at higher rates.  

In the falling rate environment scenario, the Bank shows interest rate risk exposure to lower short term rates and also a flatter yield curve.  Net interest income declines during the first twelve months largely due to lower assumed rates on adjustable and variable rate assets.  Corresponding deposit rates are assumed to remain constant.  Despite federal funds trading between 0.25% and 0.50%, the Company believes long-term treasury rates could potentially fall further in this scenario, and thus, the model includes the impact of this lower treasury rate scenario.

The analysis does not represent a Company forecast and should not be relied upon as being indicative of expected operating results.  These hypothetical estimates are based upon numerous assumptions: the nature and timing of interest rate levels (including yield curve shape), prepayments on loans and securities, deposit decay rates, pricing decisions on loans and deposits, reinvestment/replacement of asset and liability cash flows, and other factors.  While the assumptions are developed based upon current economic and local market conditions, the Company cannot make any assurances as to the predictive nature of these assumptions, including how customer preferences or competitor influences might change.  Furthermore, the sensitivity analysis does not reflect actions that the ALCO might take in responding to or anticipating changes in interest rates.

Item 4. Controls and Procedures

Evaluation of Disclosure Controls and Procedures
The Company maintains disclosure controls and procedures, as defined in Rule 13a -15(e) and 15d – 15(e) under the Securities Exchange Act of 1934 as amended (the "Exchange Act"), designed to ensure information required to be disclosed by the Company in the reports that it files or submits under the Exchange Act is: (i) recorded, processed, summarized, and reported within the time periods specified in the SEC rules and forms, and (ii) accumulated and communicated to management, including the principal executive and principal financial officers, as appropriate, to allow timely decisions regarding required disclosure.  Based on management's evaluation of the effectiveness of the Company's disclosure controls and procedures, with the participation of the Chief Executive Officer and the Chief Financial Officer, it has concluded that, as of the end of the period covered by this Quarterly Report on Form 10-Q, these disclosure controls and procedures were effective as of June 30, 2016.
44

Changes in Internal Control over Financial Reporting
The Company regularly assesses the adequacy of its internal controls over financial reporting.  There have been no changes in the Company's internal controls over financial reporting in connection with the evaluation referenced in the paragraph above that occurred during the Company's quarter ended June 30, 2016 that have materially affected, or are reasonably likely to materially affect, the Company's internal control over financial reporting.

Part II.                          Other Information

Item 1.   Legal Proceedings 
                                
The Company and its subsidiaries are subject in the normal course of business to various pending and threatened legal proceedings in which claims for monetary damages are asserted. As of June 30, 2016, management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company or its subsidiaries will be material to the Company's consolidated financial position. On at least a quarterly basis, the Company assesses its liabilities and contingencies in connection with such legal proceedings. For those matters where it is probable that the Company will incur losses and the amounts of the losses can be reasonably estimated, the Company records an expense and corresponding liability in its consolidated financial statements. To the extent the pending or threatened litigation could result in exposure in excess of that liability, the amount of such excess is not currently estimable. The range of reasonably possible losses for matters where an exposure is not currently estimable or considered probable, beyond the existing recorded liabilities, is between $0 and $1 million in the aggregate. Although the Company does not believe that the outcome of pending litigation will be material to the Company's consolidated financial position, it cannot rule out the possibility that such outcomes will be material to the consolidated results of operations for a particular reporting period in the future.

Item 1A.    Risk Factors

There has not been any material change in the risk factors disclosure from that contained in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2015 filed with the SEC on February 29, 2016.

Item 2.                          Unregistered Sales of Equity Securities and Use of Proceeds

a)  Not applicable.

b)  Not applicable.

c)  At its December 2015 meeting, the Board approved a new stock repurchase program authorizing the repurchase, at the discretion of senior management, of up to 2,200,000 shares of the Company's common stock, in accordance with securities laws and regulations, during a twelve-month period starting January 1, 2016.  Any repurchased shares will be used for general corporate purposes, including those related to stock plan activities.  The timing and extent of repurchases will depend on market conditions and other corporate considerations as determined at the Company's discretion.

The following table presents stock purchases made during the second quarter of 2016:

Issuer Purchases of Equity Securities
Period
  
Total
Number of Shares Purchased
    
Average
Price Paid
Per Share
    
Total Number of Shares Purchased as Part of
Publicly Announced
Plans or Programs
    
Maximum Number of
Shares That May Yet Be
Purchased Under the Plans
or Programs
  
April 1-30, 2016
    
0
      
0
      
0
      
2,200,000
  
May 1-31, 2016
    
0
      
0
      
0
      
2,200,000
  
June 1-30, 2016 (1)
    
17,561
    
$
42.11
      
0
      
2,200,000
  
  Total
    
17,561
    
$
42.11
                  

(1) Included in the common shares repurchased were 596 shares acquired by the Company in connection with satisfaction of tax withholding obligations on vested restricted stock issued pursuant to the employee benefit plan and 16,965 shares acquired by the Company in connection with the administration of the Company's retirement plan.  These shares were not repurchased as part of the publicly announced repurchase plan described above.

Item 3.                          Defaults Upon Senior Securities

Not applicable.

Item 4.                          Mine Safety Disclosures
Not applicable.
45

Item 5.                          Other Information
Not applicable.

Item 6.                          Exhibits

Exhibit No.                                                                                    Description

31.1
Certification of Mark E. Tryniski, President and Chief Executive Officer of the Registrant, pursuant to Rule 13a-15(e) or Rule 15d-15(e) under the Securities Exchange Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. (1)
 
31.2
Certification of Scott Kingsley, Treasurer and Chief Financial Officer of the Registrant, pursuant to Rule 13a-15(e) or Rule 15d-15(e) under the Securities Exchange Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. (1)
 
32.1
Certification of Mark E. Tryniski, President and Chief Executive Officer of the Registrant, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. (2)
 
32.2
Certification of Scott Kingsley, Treasurer and Chief Financial Officer of the Registrant, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. (2)
 
101
Interactive data files pursuant to Rule 405 of Regulation S-T: (i) the Consolidated Statements of Condition, (ii) the Consolidated Statements of Income, (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Changes in Shareholders' Equity, (v) the Consolidated Statements of Cash Flows, and (vi) the Notes to Consolidated Financial Statements tagged as blocks of text and in detail.(3)

(1)  Filed herewith.
(2)  Furnished herewith.
(3)  XBRL (Extensible Business Reporting Language) information is furnished and not filed or a part of a registration statement or prospectus for purposes of sections 11 or 12 of the Securities Act of 1933, is deemed not filed for purposes of section 18 of the Securities Exchange Act of 1934, and otherwise is not subject to liability under these sections.
46
Signatures


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 thereunto duly authorized.




Community Bank System, Inc.


 
 
Date: August 9, 2016   
 
/s/ Mark E. Tryniski
 
 
Mark E. Tryniski, President and Chief Executive
 
 
Officer
 
 
 
Date: August 9, 2016
 
/s/ Scott Kingsley
 
 
Scott Kingsley, Treasurer and Chief
 
 
Financial Officer
 
 
 


                                                                                                                                                            
 


                                                        
 
47
 EX-31.1 2 cbna201610q2qtrex311.htm SIGNATURE 31.1 cbna201510q3rdqtrex311.htm
Exhibit 31.1
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Mark E. Tryniski, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Community Bank System, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b)
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c)
Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d)
Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

5. The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

a)
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and

b)
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.


Date:  August 9, 2016

/s/ Mark E. Tryniski
Mark E. Tryniski
President and Chief Executive Officer
 EX-31.2 3 cbna201610q2qtrex312.htm SIGNATURE 31.2 cbna201510q3rdqtrex312.htm
Exhibit 31.2
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Scott Kingsley, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Community Bank System, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b)
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c)
Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d)
Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

5. The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

a)
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and

b)
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Dated:  August 9, 2016

/s/ Scott Kingsley
Scott Kingsley
Treasurer and Chief Financial Officer
 EX-32.1 4 cbna201610q2qtrex321.htm SIGNATURE 32.1 cbna201510q3rdqtrex321.htm
Exhibit 32.1
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Community Bank System, Inc. (the "Company") on Form 10-Q for the quarter ended June 30, 2016 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Mark E. Tryniski, President and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

(1) the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2) the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

This certification accompanies this Form 10-Q and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liability of that Section.

/s/ Mark E. Tryniski
Mark E. Tryniski
President and Chief Executive Officer
August 9, 2016
 EX-32.2 5 cbna201610q2qtrex322.htm SIGNATURE 32.2 cbna201510q3rdqtrex322.htm
 Exhibit 32.2

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Community Bank System, Inc. (the "Company") on Form 10-Q for the quarter ended June 30, 2016 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Scott Kingsley, Treasurer and Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

(1) the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2) the information  contained in the Report fairly  presents,  in all material respects, the financial condition and results of operations of the Company.

This certification accompanies this Form 10-Q and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liability of that Section.

/s/ Scott Kingsley
Scott Kingsley
Treasurer and Chief Financial Officer
August 9, 2016
 EX-101.INS 6 cbu-20160630.xml XBRL INSTANCE DOCUMENT 0000723188 2016-01-01 2016-06-30 0000723188 2016-07-31 0000723188 2015-12-31 0000723188 2016-06-30 0000723188 2015-04-01 2015-06-30 0000723188 2016-04-01 2016-06-30 0000723188 2015-01-01 2015-06-30 0000723188 us-gaap:CommonStockMember 2015-12-31 0000723188 us-gaap:RetainedEarningsMember 2015-12-31 0000723188 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2015-12-31 0000723188 us-gaap:TreasuryStockMember 2015-12-31 0000723188 us-gaap:AdditionalPaidInCapitalMember 2015-12-31 0000723188 us-gaap:RetainedEarningsMember 2016-01-01 2016-06-30 0000723188 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2016-01-01 2016-06-30 0000723188 us-gaap:CommonStockMember 2016-01-01 2016-06-30 0000723188 us-gaap:AdditionalPaidInCapitalMember 2016-01-01 2016-06-30 0000723188 us-gaap:TreasuryStockMember 2016-01-01 2016-06-30 0000723188 us-gaap:TreasuryStockMember 2016-06-30 0000723188 us-gaap:CommonStockMember 2016-06-30 0000723188 us-gaap:AdditionalPaidInCapitalMember 2016-06-30 0000723188 us-gaap:RetainedEarningsMember 2016-06-30 0000723188 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2016-06-30 0000723188 2014-12-31 0000723188 2015-06-30 0000723188 cbu:AllOtherLoansMember 2016-01-01 2016-06-30 0000723188 us-gaap:CommercialLoanMember 2016-01-01 2016-06-30 0000723188 cbu:OneidaFinancialCorpMember 2015-12-04 2015-12-04 0000723188 cbu:OneidaFinancialCorpMember 2015-12-04 0000723188 cbu:OneidaFinancialCorpMember 2016-04-01 2016-06-30 0000723188 cbu:WJLAgenciesIncMember 2016-01-04 2016-01-04 0000723188 cbu:WJLAgenciesIncMember 2016-01-04 0000723188 us-gaap:OtherIntangibleAssetsMember cbu:OneidaFinancialCorpMember 2015-12-04 0000723188 cbu:WJLAgenciesIncMember us-gaap:CoreDepositsMember 2016-01-04 0000723188 us-gaap:OtherIntangibleAssetsMember cbu:WJLAgenciesIncMember 2016-01-04 0000723188 cbu:OneidaFinancialCorpMember us-gaap:CoreDepositsMember 2015-12-04 0000723188 cbu:AcquiredImpairedLoansMember cbu:OneidaFinancialCorpMember 2015-12-04 0000723188 cbu:AcquiredNonImpairedLoansMember cbu:OneidaFinancialCorpMember 2015-12-04 0000723188 us-gaap:CoreDepositsMember cbu:OneidaFinancialCorpMember 2016-01-01 2016-06-30 0000723188 us-gaap:OtherIntangibleAssetsMember cbu:OneidaFinancialCorpMember 2016-01-01 2016-06-30 0000723188 cbu:WJLAgenciesIncMember us-gaap:OtherIntangibleAssetsMember 2016-01-01 2016-06-30 0000723188 us-gaap:MinimumMember us-gaap:CommercialPortfolioSegmentMember 2016-06-30 0000723188 us-gaap:MaximumMember us-gaap:CustomerRelationshipsMember 2016-01-01 2016-06-30 0000723188 us-gaap:CoreDepositsMember us-gaap:MaximumMember 2016-01-01 2016-06-30 0000723188 us-gaap:CoreDepositsMember us-gaap:MinimumMember 2016-01-01 2016-06-30 0000723188 us-gaap:MinimumMember us-gaap:CustomerRelationshipsMember 2016-01-01 2016-06-30 0000723188 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember 2015-12-31 0000723188 us-gaap:USStatesAndPoliticalSubdivisionsMember 2016-06-30 0000723188 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember 2016-06-30 0000723188 us-gaap:USTreasuryAndGovernmentMember 2015-12-31 0000723188 us-gaap:CorporateDebtSecuritiesMember 2016-06-30 0000723188 us-gaap:CorporateDebtSecuritiesMember 2015-12-31 0000723188 cbu:GovernmentAgencyCollateralizedMortgageObligationsMember 2016-06-30 0000723188 us-gaap:USTreasuryAndGovernmentMember 2016-06-30 0000723188 cbu:GovernmentAgencyCollateralizedMortgageObligationsMember 2015-12-31 0000723188 us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-12-31 0000723188 cbu:MarketableEquitySecurityMember 2016-06-30 0000723188 cbu:MarketableEquitySecurityMember 2015-12-31 0000723188 cbu:FederalReserveBankStockMember 2015-12-31 0000723188 us-gaap:InvestmentInFederalHomeLoanBankStockMember 2016-06-30 0000723188 us-gaap:InvestmentInFederalHomeLoanBankStockMember 2015-12-31 0000723188 cbu:FederalReserveBankStockMember 2016-06-30 0000723188 cbu:OtherEquitySecuritiesMember 2016-06-30 0000723188 cbu:OtherEquitySecuritiesMember 2015-12-31 0000723188 us-gaap:ResidentialMortgageMember us-gaap:MinimumMember 2016-04-01 2016-06-30 0000723188 us-gaap:ResidentialMortgageMember us-gaap:MaximumMember 2016-04-01 2016-06-30 0000723188 us-gaap:MaximumMember cbu:HomeEquityReceivablesMember 2016-04-01 2016-06-30 0000723188 us-gaap:ResidentialMortgageMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0000723188 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0000723188 cbu:HomeEquityReceivablesMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentDirectMember 2016-06-30 0000723188 us-gaap:ResidentialMortgageMember us-gaap:ResidentialPortfolioSegmentMember 2016-06-30 0000723188 cbu:ConsumerInstallmentIndirectMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0000723188 cbu:HomeEquityReceivablesMember us-gaap:ConsumerPortfolioSegmentMember 2016-06-30 0000723188 cbu:ConsumerInstallmentDirectMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember 2016-06-30 0000723188 cbu:LegacyLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-12-31 0000723188 cbu:LegacyLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ResidentialMortgageMember us-gaap:ResidentialPortfolioSegmentMember 2016-06-30 0000723188 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cbu:AcquiredLoansMember cbu:HomeEquityReceivablesMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0000723188 cbu:AcquiredLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2016-06-30 0000723188 cbu:ConsumerInstallmentDirectMember us-gaap:ConsumerPortfolioSegmentMember cbu:LegacyLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2016-06-30 0000723188 cbu:LegacyLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2016-06-30 0000723188 us-gaap:ResidentialPortfolioSegmentMember cbu:AcquiredLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ResidentialMortgageMember 2016-06-30 0000723188 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cbu:AcquiredLoansMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2015-12-31 0000723188 cbu:LegacyLoanMember us-gaap:ConsumerPortfolioSegmentMember cbu:HomeEquityReceivablesMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-12-31 0000723188 cbu:LegacyLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember cbu:HomeEquityReceivablesMember 2016-06-30 0000723188 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember cbu:AcquiredLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-12-31 0000723188 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember cbu:AcquiredLoansMember 2016-06-30 0000723188 us-gaap:ResidentialPortfolioSegmentMember cbu:LegacyLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ResidentialMortgageMember 2015-12-31 0000723188 cbu:ConsumerInstallmentIndirectMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember cbu:LegacyLoanMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cbu:LegacyLoanMember 2016-06-30 0000723188 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cbu:AcquiredLoansMember cbu:ConsumerInstallmentIndirectMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0000723188 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cbu:AcquiredLoansMember us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember 2016-06-30 0000723188 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentDirectMember cbu:AcquiredLoansMember 2015-12-31 0000723188 cbu:LegacyLoanMember cbu:ConsumerInstallmentDirectMember us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-12-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cbu:AcquiredLoansMember cbu:ConsumerInstallmentDirectMember 2016-06-30 0000723188 cbu:LegacyLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-12-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:HomeEquityReceivablesMember cbu:AcquiredLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2016-06-30 0000723188 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cbu:AcquiredLoansMember 2015-12-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember cbu:LegacyLoanMember 2015-12-31 0000723188 us-gaap:CommercialPortfolioSegmentMember cbu:AcquiredLoansMember us-gaap:CommercialLoanMember 2016-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:AcquiredLoansMember cbu:HomeEquityReceivablesMember 2016-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:HomeEquityReceivablesMember cbu:LegacyLoanMember 2015-12-31 0000723188 cbu:LegacyLoanMember us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember 2016-06-30 0000723188 us-gaap:CommercialPortfolioSegmentMember cbu:LegacyLoanMember us-gaap:CommercialLoanMember 2015-12-31 0000723188 cbu:LegacyLoanMember cbu:ConsumerInstallmentDirectMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0000723188 cbu:AcquiredLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2015-12-31 0000723188 us-gaap:ResidentialMortgageMember us-gaap:ResidentialPortfolioSegmentMember cbu:LegacyLoanMember 2015-12-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentDirectMember cbu:LegacyLoanMember 2016-06-30 0000723188 cbu:LegacyLoanMember 2016-06-30 0000723188 cbu:LegacyLoanMember us-gaap:ConsumerPortfolioSegmentMember cbu:HomeEquityReceivablesMember 2016-06-30 0000723188 us-gaap:ResidentialPortfolioSegmentMember cbu:LegacyLoanMember us-gaap:ResidentialMortgageMember 2016-06-30 0000723188 cbu:ConsumerInstallmentIndirectMember cbu:LegacyLoanMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0000723188 cbu:AcquiredLoansMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2016-06-30 0000723188 cbu:AcquiredLoansMember us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember 2016-06-30 0000723188 cbu:AcquiredLoansMember 2015-12-31 0000723188 cbu:AcquiredLoansMember us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentDirectMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember cbu:LegacyLoanMember 2016-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember cbu:AcquiredLoansMember 2015-12-31 0000723188 us-gaap:ResidentialMortgageMember us-gaap:ResidentialPortfolioSegmentMember cbu:AcquiredLoansMember 2015-12-31 0000723188 cbu:LegacyLoanMember 2015-12-31 0000723188 cbu:AcquiredLoansMember 2016-06-30 0000723188 cbu:AcquiredLoansMember us-gaap:ConsumerPortfolioSegmentMember cbu:HomeEquityReceivablesMember 2015-12-31 0000723188 cbu:AcquiredLoansMember cbu:ConsumerInstallmentDirectMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0000723188 us-gaap:ResidentialMortgageMember cbu:FinancingReceivables30To89DaysPastDueMember us-gaap:ResidentialPortfolioSegmentMember cbu:LegacyLoanMember 2016-06-30 0000723188 cbu:LegacyLoanMember us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember cbu:FinancingReceivables30To89DaysPastDueMember 2015-12-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:AcquiredLoansMember cbu:FinancingReceivables30To89DaysPastDueMember cbu:HomeEquityReceivablesMember 2015-12-31 0000723188 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember cbu:FinancingReceivables30To89DaysPastDueMember cbu:AcquiredLoansMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember cbu:AcquiredLoansMember cbu:FinancingReceivables30To89DaysPastDueMember 2015-12-31 0000723188 cbu:AcquiredLoansMember cbu:FinancingReceivables30To89DaysPastDueMember 2015-12-31 0000723188 cbu:FinancingReceivables30To89DaysPastDueMember cbu:AcquiredLoansMember us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember 2015-12-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:FinancingReceivables30To89DaysPastDueMember cbu:AcquiredLoansMember cbu:ConsumerInstallmentDirectMember 2015-12-31 0000723188 cbu:LegacyLoanMember us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember cbu:FinancingReceivables30To89DaysPastDueMember 2015-12-31 0000723188 cbu:LegacyLoanMember us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember cbu:FinancingReceivables30To89DaysPastDueMember 2016-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:HomeEquityReceivablesMember cbu:FinancingReceivables30To89DaysPastDueMember cbu:LegacyLoanMember 2015-12-31 0000723188 cbu:LegacyLoanMember cbu:FinancingReceivables30To89DaysPastDueMember 2015-12-31 0000723188 cbu:FinancingReceivables30To89DaysPastDueMember cbu:ConsumerInstallmentDirectMember us-gaap:ConsumerPortfolioSegmentMember cbu:LegacyLoanMember 2016-06-30 0000723188 cbu:AcquiredLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember cbu:FinancingReceivables30To89DaysPastDueMember 2016-06-30 0000723188 cbu:AcquiredLoansMember us-gaap:ConsumerPortfolioSegmentMember cbu:FinancingReceivables30To89DaysPastDueMember cbu:HomeEquityReceivablesMember 2016-06-30 0000723188 cbu:AcquiredLoansMember cbu:FinancingReceivables30To89DaysPastDueMember 2016-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:LegacyLoanMember cbu:ConsumerInstallmentDirectMember cbu:FinancingReceivables30To89DaysPastDueMember 2015-12-31 0000723188 cbu:AcquiredLoansMember cbu:FinancingReceivables30To89DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentDirectMember 2016-06-30 0000723188 cbu:FinancingReceivables30To89DaysPastDueMember cbu:AcquiredLoansMember us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember 2016-06-30 0000723188 cbu:FinancingReceivables30To89DaysPastDueMember cbu:HomeEquityReceivablesMember us-gaap:ConsumerPortfolioSegmentMember cbu:LegacyLoanMember 2016-06-30 0000723188 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember cbu:FinancingReceivables30To89DaysPastDueMember cbu:AcquiredLoansMember 2015-12-31 0000723188 cbu:FinancingReceivables30To89DaysPastDueMember us-gaap:CommercialLoanMember cbu:LegacyLoanMember us-gaap:CommercialPortfolioSegmentMember 2016-06-30 0000723188 us-gaap:ResidentialPortfolioSegmentMember cbu:LegacyLoanMember us-gaap:ResidentialMortgageMember cbu:FinancingReceivables30To89DaysPastDueMember 2015-12-31 0000723188 cbu:FinancingReceivables30To89DaysPastDueMember cbu:LegacyLoanMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember cbu:AcquiredLoansMember us-gaap:SubstandardMember 2015-12-31 0000723188 cbu:AcquiredLoansMember us-gaap:ResidentialMortgageMember 2015-12-31 0000723188 us-gaap:PassMember us-gaap:CommercialLoanMember 2015-12-31 0000723188 cbu:HomeEquityReceivablesMember us-gaap:NonperformingFinancingReceivableMember cbu:LegacyLoanMember 2015-12-31 0000723188 us-gaap:NonperformingFinancingReceivableMember cbu:AcquiredLoansMember us-gaap:ResidentialMortgageMember 2015-12-31 0000723188 cbu:LegacyLoanMember cbu:HomeEquityReceivablesMember us-gaap:PerformingFinancingReceivableMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:SpecialMentionMember 2015-12-31 0000723188 us-gaap:CommercialLoanMember us-gaap:SpecialMentionMember cbu:LegacyLoanMember 2016-06-30 0000723188 us-gaap:PassMember us-gaap:CommercialLoanMember cbu:LegacyLoanMember 2016-06-30 0000723188 us-gaap:SubstandardMember cbu:AcquiredLoansMember us-gaap:CommercialLoanMember 2016-06-30 0000723188 us-gaap:PerformingFinancingReceivableMember cbu:AcquiredLoansMember cbu:ConsumerInstallmentDirectMember 2016-06-30 0000723188 cbu:LegacyLoanMember us-gaap:PerformingFinancingReceivableMember cbu:ConsumerInstallmentIndirectMember 2016-06-30 0000723188 cbu:ConsumerInstallmentIndirectMember us-gaap:PerformingFinancingReceivableMember cbu:AcquiredLoansMember 2015-12-31 0000723188 us-gaap:PerformingFinancingReceivableMember cbu:AllOtherLoansMember cbu:AcquiredLoansMember 2015-12-31 0000723188 cbu:AcquiredLoansMember cbu:AllOtherLoansMember 2016-06-30 0000723188 cbu:LegacyLoanMember us-gaap:CommercialLoanMember us-gaap:DoubtfulMember 2016-06-30 0000723188 cbu:AllOtherLoansMember us-gaap:PerformingFinancingReceivableMember cbu:AcquiredLoansMember 2016-06-30 0000723188 cbu:PurchasedImpairedMember us-gaap:CommercialLoanMember 2015-12-31 0000723188 cbu:LegacyLoanMember us-gaap:NonperformingFinancingReceivableMember cbu:ConsumerInstallmentDirectMember 2016-06-30 0000723188 cbu:LegacyLoanMember cbu:ConsumerInstallmentDirectMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:SubstandardMember 2015-12-31 0000723188 us-gaap:CommercialLoanMember cbu:LegacyLoanMember 2015-12-31 0000723188 us-gaap:CommercialLoanMember us-gaap:SubstandardMember 2016-06-30 0000723188 us-gaap:NonperformingFinancingReceivableMember cbu:AcquiredLoansMember cbu:ConsumerInstallmentDirectMember 2016-06-30 0000723188 cbu:ConsumerInstallmentIndirectMember cbu:AcquiredLoansMember us-gaap:NonperformingFinancingReceivableMember 2015-12-31 0000723188 us-gaap:ResidentialMortgageMember cbu:LegacyLoanMember 2016-06-30 0000723188 cbu:AcquiredLoansMember cbu:ConsumerInstallmentDirectMember 2015-12-31 0000723188 us-gaap:CommercialLoanMember 2015-12-31 0000723188 cbu:LegacyLoanMember us-gaap:CommercialLoanMember cbu:PurchasedImpairedMember 2016-06-30 0000723188 cbu:AcquiredLoansMember cbu:HomeEquityReceivablesMember 2016-06-30 0000723188 us-gaap:ResidentialMortgageMember cbu:LegacyLoanMember 2015-12-31 0000723188 cbu:LegacyLoanMember cbu:AllOtherLoansMember us-gaap:PerformingFinancingReceivableMember 2015-12-31 0000723188 us-gaap:PassMember us-gaap:CommercialLoanMember 2016-06-30 0000723188 us-gaap:SubstandardMember us-gaap:CommercialLoanMember cbu:LegacyLoanMember 2015-12-31 0000723188 cbu:AcquiredLoansMember us-gaap:CommercialLoanMember us-gaap:SpecialMentionMember 2015-12-31 0000723188 cbu:LegacyLoanMember us-gaap:NonperformingFinancingReceivableMember cbu:AllOtherLoansMember 2015-12-31 0000723188 us-gaap:ResidentialMortgageMember us-gaap:PerformingFinancingReceivableMember cbu:AcquiredLoansMember 2015-12-31 0000723188 us-gaap:ResidentialMortgageMember cbu:LegacyLoanMember us-gaap:PerformingFinancingReceivableMember 2015-12-31 0000723188 us-gaap:PerformingFinancingReceivableMember us-gaap:ResidentialMortgageMember cbu:AcquiredLoansMember 2016-06-30 0000723188 cbu:HomeEquityReceivablesMember cbu:LegacyLoanMember us-gaap:PerformingFinancingReceivableMember 2015-12-31 0000723188 us-gaap:NonperformingFinancingReceivableMember cbu:HomeEquityReceivablesMember cbu:LegacyLoanMember 2016-06-30 0000723188 cbu:LegacyLoanMember cbu:ConsumerInstallmentIndirectMember us-gaap:NonperformingFinancingReceivableMember 2015-12-31 0000723188 us-gaap:CommercialLoanMember cbu:PurchasedImpairedMember cbu:AcquiredLoansMember 2015-12-31 0000723188 cbu:PurchasedImpairedMember cbu:AcquiredLoansMember us-gaap:CommercialLoanMember 2016-06-30 0000723188 us-gaap:SpecialMentionMember us-gaap:CommercialLoanMember 2016-06-30 0000723188 cbu:ConsumerInstallmentIndirectMember us-gaap:NonperformingFinancingReceivableMember cbu:AcquiredLoansMember 2016-06-30 0000723188 cbu:AcquiredLoansMember us-gaap:CommercialLoanMember us-gaap:DoubtfulMember 2015-12-31 0000723188 us-gaap:CommercialLoanMember 2016-06-30 0000723188 us-gaap:ResidentialMortgageMember cbu:LegacyLoanMember us-gaap:NonperformingFinancingReceivableMember 2016-06-30 0000723188 cbu:LegacyLoanMember us-gaap:CommercialLoanMember us-gaap:DoubtfulMember 2015-12-31 0000723188 cbu:ConsumerInstallmentIndirectMember cbu:LegacyLoanMember us-gaap:PerformingFinancingReceivableMember 2015-12-31 0000723188 cbu:LegacyLoanMember cbu:ConsumerInstallmentIndirectMember 2015-12-31 0000723188 cbu:AcquiredLoansMember cbu:ConsumerInstallmentDirectMember us-gaap:NonperformingFinancingReceivableMember 2015-12-31 0000723188 cbu:AcquiredLoansMember us-gaap:NonperformingFinancingReceivableMember us-gaap:ResidentialMortgageMember 2016-06-30 0000723188 cbu:AllOtherLoansMember cbu:LegacyLoanMember 2016-06-30 0000723188 cbu:LegacyLoanMember us-gaap:NonperformingFinancingReceivableMember us-gaap:ResidentialMortgageMember 2015-12-31 0000723188 us-gaap:PerformingFinancingReceivableMember cbu:ConsumerInstallmentDirectMember cbu:AcquiredLoansMember 2015-12-31 0000723188 us-gaap:PerformingFinancingReceivableMember cbu:AcquiredLoansMember cbu:HomeEquityReceivablesMember 2015-12-31 0000723188 cbu:ConsumerInstallmentIndirectMember cbu:AcquiredLoansMember 2015-12-31 0000723188 cbu:LegacyLoanMember cbu:HomeEquityReceivablesMember 2015-12-31 0000723188 cbu:HomeEquityReceivablesMember cbu:AcquiredLoansMember us-gaap:PerformingFinancingReceivableMember 2016-06-30 0000723188 cbu:LegacyLoanMember us-gaap:PerformingFinancingReceivableMember us-gaap:ResidentialMortgageMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:SubstandardMember cbu:LegacyLoanMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember cbu:LegacyLoanMember us-gaap:PassMember 2015-12-31 0000723188 us-gaap:SpecialMentionMember cbu:LegacyLoanMember us-gaap:CommercialLoanMember 2015-12-31 0000723188 cbu:PurchasedImpairedMember cbu:LegacyLoanMember us-gaap:CommercialLoanMember 2015-12-31 0000723188 us-gaap:CommercialLoanMember cbu:LegacyLoanMember 2016-06-30 0000723188 cbu:AcquiredLoansMember us-gaap:PerformingFinancingReceivableMember cbu:ConsumerInstallmentIndirectMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:DoubtfulMember 2016-06-30 0000723188 cbu:LegacyLoanMember cbu:ConsumerInstallmentIndirectMember 2016-06-30 0000723188 cbu:AllOtherLoansMember us-gaap:NonperformingFinancingReceivableMember cbu:LegacyLoanMember 2016-06-30 0000723188 cbu:ConsumerInstallmentIndirectMember cbu:LegacyLoanMember us-gaap:NonperformingFinancingReceivableMember 2016-06-30 0000723188 us-gaap:PassMember cbu:AcquiredLoansMember us-gaap:CommercialLoanMember 2016-06-30 0000723188 cbu:AcquiredLoansMember cbu:HomeEquityReceivablesMember 2015-12-31 0000723188 us-gaap:CommercialLoanMember cbu:AcquiredLoansMember us-gaap:SpecialMentionMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:DoubtfulMember 2015-12-31 0000723188 us-gaap:CommercialLoanMember us-gaap:DoubtfulMember cbu:AcquiredLoansMember 2016-06-30 0000723188 cbu:LegacyLoanMember cbu:ConsumerInstallmentDirectMember us-gaap:NonperformingFinancingReceivableMember 2015-12-31 0000723188 us-gaap:NonperformingFinancingReceivableMember cbu:HomeEquityReceivablesMember cbu:AcquiredLoansMember 2015-12-31 0000723188 cbu:AcquiredLoansMember cbu:AllOtherLoansMember 2015-12-31 0000723188 us-gaap:CommercialLoanMember us-gaap:PassMember cbu:AcquiredLoansMember 2015-12-31 0000723188 us-gaap:CommercialLoanMember cbu:PurchasedImpairedMember 2016-06-30 0000723188 cbu:HomeEquityReceivablesMember cbu:LegacyLoanMember 2016-06-30 0000723188 cbu:AllOtherLoansMember us-gaap:NonperformingFinancingReceivableMember cbu:AcquiredLoansMember 2016-06-30 0000723188 us-gaap:NonperformingFinancingReceivableMember cbu:AcquiredLoansMember cbu:HomeEquityReceivablesMember 2016-06-30 0000723188 cbu:LegacyLoanMember us-gaap:PerformingFinancingReceivableMember cbu:ConsumerInstallmentDirectMember 2016-06-30 0000723188 cbu:ConsumerInstallmentDirectMember cbu:LegacyLoanMember 2015-12-31 0000723188 cbu:AcquiredLoansMember us-gaap:CommercialLoanMember 2016-06-30 0000723188 cbu:LegacyLoanMember cbu:ConsumerInstallmentDirectMember us-gaap:PerformingFinancingReceivableMember 2015-12-31 0000723188 cbu:AcquiredLoansMember us-gaap:NonperformingFinancingReceivableMember cbu:AllOtherLoansMember 2015-12-31 0000723188 us-gaap:PerformingFinancingReceivableMember cbu:AllOtherLoansMember cbu:LegacyLoanMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember cbu:AcquiredLoansMember 2015-12-31 0000723188 cbu:LegacyLoanMember cbu:AllOtherLoansMember 2015-12-31 0000723188 cbu:ConsumerInstallmentIndirectMember cbu:AcquiredLoansMember 2016-06-30 0000723188 cbu:AcquiredLoansMember cbu:ConsumerInstallmentDirectMember 2016-06-30 0000723188 cbu:AcquiredLoansMember us-gaap:ResidentialMortgageMember 2016-06-30 0000723188 us-gaap:MaximumMember 2016-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:HomeEquityReceivablesMember 2015-01-01 2015-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentDirectMember 2016-01-01 2016-06-30 0000723188 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2016-04-01 2016-06-30 0000723188 cbu:ConsumerInstallmentIndirectMember us-gaap:ConsumerPortfolioSegmentMember 2016-01-01 2016-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember 2015-04-01 2015-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember 2015-04-01 2015-06-30 0000723188 cbu:ConsumerInstallmentDirectMember us-gaap:ConsumerPortfolioSegmentMember 2016-04-01 2016-06-30 0000723188 us-gaap:ResidentialMortgageMember us-gaap:ResidentialPortfolioSegmentMember 2016-01-01 2016-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember 2016-04-01 2016-06-30 0000723188 us-gaap:ResidentialMortgageMember us-gaap:ResidentialPortfolioSegmentMember 2015-01-01 2015-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember 2015-01-01 2015-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentDirectMember 2015-01-01 2015-06-30 0000723188 us-gaap:ResidentialMortgageMember us-gaap:ResidentialPortfolioSegmentMember 2015-04-01 2015-06-30 0000723188 cbu:ConsumerInstallmentDirectMember us-gaap:ConsumerPortfolioSegmentMember 2015-04-01 2015-06-30 0000723188 cbu:ConsumerInstallmentIndirectMember us-gaap:ConsumerPortfolioSegmentMember 2015-01-01 2015-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember 2016-01-01 2016-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:HomeEquityReceivablesMember 2016-01-01 2016-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember 2016-04-01 2016-06-30 0000723188 cbu:HomeEquityReceivablesMember us-gaap:ConsumerPortfolioSegmentMember 2016-04-01 2016-06-30 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:HomeEquityReceivablesMember 2015-04-01 2015-06-30 0000723188 cbu:AcquiredImpairedMember 2015-03-31 0000723188 cbu:ConsumerInstallmentDirectMember us-gaap:ConsumerPortfolioSegmentMember 2015-03-31 0000723188 cbu:ConsumerInstallmentIndirectMember us-gaap:ConsumerPortfolioSegmentMember 2016-03-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember 2014-12-31 0000723188 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2016-03-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentIndirectMember 2015-03-31 0000723188 us-gaap:UnallocatedFinancingReceivablesMember 2015-03-31 0000723188 us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember 2014-12-31 0000723188 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2014-12-31 0000723188 2016-03-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:HomeEquityReceivablesMember 2016-03-31 0000723188 cbu:AcquiredImpairedMember 2015-12-31 0000723188 cbu:HomeEquityReceivablesMember us-gaap:ConsumerPortfolioSegmentMember 2014-12-31 0000723188 us-gaap:UnallocatedFinancingReceivablesMember 2015-12-31 0000723188 cbu:HomeEquityReceivablesMember us-gaap:ConsumerPortfolioSegmentMember 2015-03-31 0000723188 us-gaap:UnallocatedFinancingReceivablesMember 2014-12-31 0000723188 cbu:AcquiredImpairedMember 2014-12-31 0000723188 us-gaap:ConsumerPortfolioSegmentMember cbu:ConsumerInstallmentDirectMember 2014-12-31 0000723188 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2015-03-31 0000723188 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2015-03-31 0000723188 us-gaap:UnallocatedFinancingReceivablesMember 2016-03-31 0000723188 cbu:ConsumerInstallmentDirectMember us-gaap:ConsumerPortfolioSegmentMember 2016-03-31 0000723188 cbu:AcquiredImpairedMember 2016-03-31 0000723188 2015-03-31 0000723188 us-gaap:ResidentialMortgageMember us-gaap:ResidentialPortfolioSegmentMember 2016-03-31 0000723188 us-gaap:UnallocatedFinancingReceivablesMember 2015-04-01 2015-06-30 0000723188 cbu:AcquiredImpairedMember 2015-04-01 2015-06-30 0000723188 us-gaap:UnallocatedFinancingReceivablesMember 2015-01-01 2015-06-30 0000723188 cbu:AcquiredImpairedMember 2015-01-01 2015-06-30 0000723188 us-gaap:UnallocatedFinancingReceivablesMember 2016-01-01 2016-06-30 0000723188 cbu:AcquiredImpairedMember 2016-01-01 2016-06-30 0000723188 us-gaap:UnallocatedFinancingReceivablesMember 2016-04-01 2016-06-30 0000723188 cbu:AcquiredImpairedMember 2016-04-01 2016-06-30 0000723188 us-gaap:UnallocatedFinancingReceivablesMember 2016-06-30 0000723188 cbu:AcquiredImpairedMember 2016-06-30 0000723188 us-gaap:CommercialLoanMember us-gaap:CommercialPortfolioSegmentMember 2015-06-30 0000723188 cbu:ConsumerInstallmentIndirectMember us-gaap:ConsumerPortfolioSegmentMember 2015-06-30 0000723188 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2015-06-30 0000723188 cbu:AcquiredImpairedMember 2015-06-30 0000723188 us-gaap:UnallocatedFinancingReceivablesMember 2015-06-30 0000723188 cbu:ConsumerInstallmentDirectMember us-gaap:ConsumerPortfolioSegmentMember 2015-06-30 0000723188 cbu:HomeEquityReceivablesMember us-gaap:ConsumerPortfolioSegmentMember 2015-06-30 0000723188 us-gaap:CoreDepositsMember 2015-12-31 0000723188 us-gaap:OtherIntangibleAssetsMember 2015-12-31 0000723188 us-gaap:OtherIntangibleAssetsMember 2016-06-30 0000723188 us-gaap:CoreDepositsMember 2016-06-30 0000723188 cbu:CommunityStatutoryTrust4Member 2016-01-01 2016-06-30 0000723188 cbu:CommunityStatutoryTrust3Member 2016-01-01 2016-06-30 0000723188 cbu:CommunityStatutoryTrust4Member 2016-06-30 0000723188 cbu:CommunityStatutoryTrust3Member 2016-06-30 0000723188 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2016-04-01 2016-06-30 0000723188 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2015-01-01 2015-06-30 0000723188 us-gaap:PensionPlansDefinedBenefitMember 2015-01-01 2015-06-30 0000723188 us-gaap:PensionPlansDefinedBenefitMember 2016-01-01 2016-06-30 0000723188 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2015-04-01 2015-06-30 0000723188 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2016-01-01 2016-06-30 0000723188 us-gaap:PensionPlansDefinedBenefitMember 2015-04-01 2015-06-30 0000723188 us-gaap:PensionPlansDefinedBenefitMember 2016-04-01 2016-06-30 0000723188 us-gaap:CommitmentsToExtendCreditMember 2015-12-31 0000723188 us-gaap:StandbyLettersOfCreditMember 2016-06-30 0000723188 us-gaap:CommitmentsToExtendCreditMember 2016-06-30 0000723188 us-gaap:StandbyLettersOfCreditMember 2015-12-31 0000723188 us-gaap:MinimumMember 2016-06-30 0000723188 us-gaap:FairValueInputsLevel3Member us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:FairValueMeasurementsRecurringMember cbu:GovernmentAgencyCollateralizedMortgageObligationsMember 2016-06-30 0000723188 us-gaap:FairValueInputsLevel2Member cbu:GovernmentAgencyCollateralizedMortgageObligationsMember us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0000723188 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0000723188 cbu:MarketableEquitySecurityMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2016-06-30 0000723188 us-gaap:FairValueInputsLevel3Member us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0000723188 us-gaap:FairValueInputsLevel3Member cbu:GovernmentAgencyCollateralizedMortgageObligationsMember us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember cbu:GovernmentAgencyCollateralizedMortgageObligationsMember 2015-12-31 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0000723188 us-gaap:FairValueMeasurementsRecurringMember cbu:GovernmentAgencyCollateralizedMortgageObligationsMember us-gaap:FairValueInputsLevel2Member 2016-06-30 0000723188 us-gaap:FairValueInputsLevel3Member us-gaap:USTreasuryAndGovernmentMember us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember us-gaap:FairValueInputsLevel1Member 2015-12-31 0000723188 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:CorporateDebtSecuritiesMember 2016-06-30 0000723188 us-gaap:FairValueInputsLevel2Member us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember cbu:MarketableEquitySecurityMember 2015-12-31 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember 2015-12-31 0000723188 us-gaap:FairValueInputsLevel3Member us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0000723188 cbu:GovernmentAgencyCollateralizedMortgageObligationsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2015-12-31 0000723188 cbu:MarketableEquitySecurityMember us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0000723188 us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0000723188 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasuryAndGovernmentMember 2016-06-30 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member us-gaap:USTreasuryAndGovernmentMember 2016-06-30 0000723188 us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasuryAndGovernmentMember 2015-12-31 0000723188 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:CorporateDebtSecuritiesMember 2015-12-31 0000723188 us-gaap:FairValueInputsLevel2Member cbu:MarketableEquitySecurityMember us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member us-gaap:USStatesAndPoliticalSubdivisionsMember 2016-06-30 0000723188 cbu:MarketableEquitySecurityMember us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2016-06-30 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2015-12-31 0000723188 us-gaap:FairValueInputsLevel2Member us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember 2016-06-30 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2015-12-31 0000723188 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-12-31 0000723188 us-gaap:FairValueMeasurementsRecurringMember cbu:MarketableEquitySecurityMember us-gaap:FairValueInputsLevel3Member 2016-06-30 0000723188 cbu:GovernmentAgencyCollateralizedMortgageObligationsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2016-06-30 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2015-12-31 0000723188 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0000723188 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member cbu:MarketableEquitySecurityMember 2016-06-30 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember 2016-06-30 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-12-31 0000723188 cbu:GovernmentAgencyCollateralizedMortgageObligationsMember us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0000723188 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasuryAndGovernmentMember 2015-12-31 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasuryAndGovernmentMember 2016-06-30 0000723188 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasuryAndGovernmentMember 2015-12-31 0000723188 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 cbu:MarketableEquitySecurityMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2015-12-31 0000723188 us-gaap:USTreasuryAndGovernmentMember us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2016-06-30 0000723188 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0000723188 cbu:RealEstateLoanOriginationAndSaleCommitmentsMember 2015-03-31 0000723188 cbu:RealEstateLoanOriginationAndSaleCommitmentsMember 2014-12-31 0000723188 cbu:RealEstateLoanOriginationAndSaleCommitmentsMember 2015-12-31 0000723188 cbu:RealEstateLoanOriginationAndSaleCommitmentsMember 2016-03-31 0000723188 cbu:RealEstateLoanOriginationAndSaleCommitmentsMember 2016-01-01 2016-06-30 0000723188 cbu:RealEstateLoanOriginationAndSaleCommitmentsMember 2016-04-01 2016-06-30 0000723188 cbu:RealEstateLoanOriginationAndSaleCommitmentsMember 2015-01-01 2015-06-30 0000723188 cbu:RealEstateLoanOriginationAndSaleCommitmentsMember 2015-04-01 2015-06-30 0000723188 cbu:RealEstateLoanOriginationAndSaleCommitmentsMember 2016-06-30 0000723188 cbu:RealEstateLoanOriginationAndSaleCommitmentsMember 2015-06-30 0000723188 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsNonrecurringMember 2015-12-31 0000723188 us-gaap:FairValueMeasurementsNonrecurringMember 2015-12-31 0000723188 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2016-06-30 0000723188 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2016-06-30 0000723188 us-gaap:FairValueMeasurementsNonrecurringMember 2016-06-30 0000723188 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2015-12-31 0000723188 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2015-12-31 0000723188 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2016-06-30 0000723188 cbu:OtherRealEstateOwnedMember us-gaap:MarketApproachValuationTechniqueMember us-gaap:MaximumMember us-gaap:FairValueInputsLevel3Member 2016-01-01 2016-06-30 0000723188 us-gaap:MarketApproachValuationTechniqueMember us-gaap:MinimumMember us-gaap:FairValueInputsLevel3Member cbu:OtherRealEstateOwnedMember 2016-01-01 2016-06-30 0000723188 cbu:MortgageServicingRightsMember 2016-06-30 0000723188 cbu:ImpairedLoansMember 2015-12-31 0000723188 cbu:CommitmentsToOriginateRealEstateLoansForSaleMember 2016-06-30 0000723188 cbu:ImpairedLoansMember 2016-06-30 0000723188 cbu:OtherRealEstateOwnedMember 2016-06-30 0000723188 cbu:OtherRealEstateOwnedMember 2015-12-31 0000723188 cbu:CommitmentsToOriginateRealEstateLoansForSaleMember 2015-12-31 0000723188 us-gaap:MarketApproachValuationTechniqueMember cbu:ImpairedLoansMember us-gaap:WeightedAverageMember 2015-01-01 2015-12-31 0000723188 us-gaap:MaximumMember us-gaap:MarketApproachValuationTechniqueMember cbu:ImpairedLoansMember 2015-01-01 2015-12-31 0000723188 us-gaap:MarketApproachValuationTechniqueMember us-gaap:MinimumMember cbu:ImpairedLoansMember 2016-01-01 2016-06-30 0000723188 us-gaap:MinimumMember us-gaap:MarketApproachValuationTechniqueMember cbu:ImpairedLoansMember 2015-01-01 2015-12-31 0000723188 us-gaap:MarketApproachValuationTechniqueMember cbu:OtherRealEstateOwnedMember us-gaap:WeightedAverageMember 2016-01-01 2016-06-30 0000723188 us-gaap:MarketApproachValuationTechniqueMember cbu:OtherRealEstateOwnedMember us-gaap:MaximumMember 2016-01-01 2016-06-30 0000723188 us-gaap:MarketApproachValuationTechniqueMember us-gaap:WeightedAverageMember cbu:OtherRealEstateOwnedMember 2015-01-01 2015-12-31 0000723188 us-gaap:MaximumMember cbu:OtherRealEstateOwnedMember us-gaap:MarketApproachValuationTechniqueMember 2015-01-01 2015-12-31 0000723188 us-gaap:MaximumMember us-gaap:MarketApproachValuationTechniqueMember cbu:ImpairedLoansMember 2016-01-01 2016-06-30 0000723188 us-gaap:MarketApproachValuationTechniqueMember us-gaap:WeightedAverageMember cbu:ImpairedLoansMember 2016-01-01 2016-06-30 0000723188 cbu:OtherRealEstateOwnedMember us-gaap:MarketApproachValuationTechniqueMember us-gaap:MinimumMember 2016-01-01 2016-06-30 0000723188 us-gaap:MinimumMember us-gaap:MarketApproachValuationTechniqueMember cbu:OtherRealEstateOwnedMember 2015-01-01 2015-12-31 0000723188 cbu:DiscountedCashFlowMember cbu:CommitmentsToOriginateRealEstateLoansForSaleMember 2015-01-01 2015-12-31 0000723188 cbu:DiscountedCashFlowMember cbu:CommitmentsToOriginateRealEstateLoansForSaleMember 2016-01-01 2016-06-30 0000723188 cbu:DiscountedCashFlowMember cbu:MortgageServicingRightsMember 2016-01-01 2016-06-30 0000723188 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2015-12-31 0000723188 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2016-06-30 0000723188 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2016-06-30 0000723188 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2015-12-31 0000723188 us-gaap:AllOtherSegmentsMember 2015-04-01 2015-06-30 0000723188 cbu:BankingMember us-gaap:OperatingSegmentsMember 2015-04-01 2015-06-30 0000723188 us-gaap:OperatingSegmentsMember cbu:BankingMember 2016-04-01 2016-06-30 0000723188 us-gaap:AllOtherSegmentsMember 2016-04-01 2016-06-30 0000723188 us-gaap:IntersegmentEliminationMember 2016-01-01 2016-06-30 0000723188 us-gaap:OperatingSegmentsMember cbu:BankingMember 2015-01-01 2015-06-30 0000723188 us-gaap:OperatingSegmentsMember cbu:EmployeeBenefitServicesMember 2015-01-01 2015-06-30 0000723188 cbu:EmployeeBenefitServicesMember us-gaap:OperatingSegmentsMember 2015-04-01 2015-06-30 0000723188 us-gaap:AllOtherSegmentsMember 2016-01-01 2016-06-30 0000723188 us-gaap:OperatingSegmentsMember cbu:EmployeeBenefitServicesMember 2016-04-01 2016-06-30 0000723188 us-gaap:OperatingSegmentsMember cbu:EmployeeBenefitServicesMember 2016-01-01 2016-06-30 0000723188 us-gaap:AllOtherSegmentsMember 2015-01-01 2015-06-30 0000723188 us-gaap:IntersegmentEliminationMember 2015-01-01 2015-06-30 0000723188 us-gaap:OperatingSegmentsMember cbu:BankingMember 2016-01-01 2016-06-30 0000723188 us-gaap:IntersegmentEliminationMember 2015-04-01 2015-06-30 0000723188 us-gaap:IntersegmentEliminationMember 2016-04-01 2016-06-30 0000723188 us-gaap:AllOtherSegmentsMember 2015-06-30 0000723188 us-gaap:AllOtherSegmentsMember 2016-06-30 0000723188 us-gaap:OperatingSegmentsMember cbu:EmployeeBenefitServicesMember 2016-06-30 0000723188 us-gaap:OperatingSegmentsMember cbu:BankingMember 2016-06-30 0000723188 us-gaap:IntersegmentEliminationMember 2015-06-30 0000723188 cbu:EmployeeBenefitServicesMember us-gaap:OperatingSegmentsMember 2015-06-30 0000723188 us-gaap:IntersegmentEliminationMember 2016-06-30 0000723188 us-gaap:OperatingSegmentsMember cbu:BankingMember 2015-06-30 xbrli:shares iso4217:USD iso4217:USD xbrli:shares cbu:Branch cbu:Component cbu:Calculation cbu:Segment cbu:Factor cbu:Position cbu:Loan cbu:Trust xbrli:pure false --12-31 2016-06-30 Yes No Yes Large Accelerated Filer COMMUNITY BANK SYSTEM, INC. 0000723188 44262061 2016 Q2 10-Q <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The amortized cost and estimated fair value of investment securities as of June 30, 2016 and December 31, 2015 are as follows:</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 309px; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 5px; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 309px; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 5px; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 309px; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 5px; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 309px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">(000's omitted)</div></td><td valign="bottom" style="width: 5px; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gains</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gains</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 309px; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">Available-for-Sale Portfolio:</div></td><td valign="bottom" style="width: 5px; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">U.S. Treasury and agency securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,871,049</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">121,608</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,992,657</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,866,819</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">35,186</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,027</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,899,978</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Obligations of state and political subdivisions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">611,129</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">34,360</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">645,488</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">640,455</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26,487</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">59</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">666,883</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">215,191</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,235</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">287</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">223,139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">205,220</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,906</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,261</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">210,865</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Corporate debt securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,606</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">54</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,672</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">66</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,680</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,006</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">496</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,502</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,862</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">446</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">13,308</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Marketable equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">251</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">187</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">21</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">417</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">250</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">163</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">&#160;&#160;&#160;&#160;&#160;Total available-for-sale portfolio</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,725,232</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">164,940</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">309</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,889,863</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,742,278</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">69,254</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,419</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,808,113</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr style="height: 13px;"><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Other Securities:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Federal Home Loan Bank common stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,732</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,732</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,317</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,317</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Federal Reserve Bank common stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,780</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,780</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,050</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,050</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Other equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,926</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,926</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,460</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,460</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr style="height: 18px;"><td valign="bottom" style="width: 36.06%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">&#160;&#160;&#160;&#160;&#160;Total other securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">41,438</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">41,438</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">39,827</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">39,827</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> 2 2 1 20 26 19 9 36 2 1 3 1 70 2 16 2 1 19 24 14 0 2 0 0 0 0 101897000 40518000 20862000 21283000 19235000 81035000 535568000 528015000 928000 2220000 2220000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The allowance for loan losses is general in nature and is available to absorb losses from any loan type despite the analysis below.&#160; The following presents by class the activity in the allowance for loan losses:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif;">Three Months Ended </font>June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Business</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Lending</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Beginning balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,148</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,695</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,334</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,875</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,580</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">879</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">85</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,596</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Charge-offs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(156</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(770</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,545</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(389</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(80</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(2,966</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Recoveries</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">38</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">156</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,140</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">238</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,591</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(177</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">868</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,286</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">296</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(29</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">80</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,305</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,853</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,949</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">13,215</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,020</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,500</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">850</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,526</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 20%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif;">Three Months Ended </font>June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Business</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Lending</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Beginning balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,233</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,405</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,246</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,879</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,663</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,383</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">196</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,005</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Charge-offs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(199</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(299</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,397</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(294</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(56</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(43</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(2,288</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Recoveries</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">527</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,184</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">199</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,974</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">113</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(280</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">569</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">207</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">51</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(60</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">591</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,192</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,353</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,602</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,991</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,677</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,374</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">93</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,282</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif;">Six Months Ended </font>June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Business</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Lending</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Beginning balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,198</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,749</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,422</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,997</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,666</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,201</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">168</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,401</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Charge-offs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(243</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(979</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(3,401</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(852</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(137</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(5,638</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Recoveries</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">83</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">291</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,255</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">460</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">28</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(185</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,888</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,939</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">415</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(57</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(351</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,646</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,853</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,949</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">13,215</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,020</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,500</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">850</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,526</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif;">Six Months Ended </font>June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Business</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Lending</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Beginning balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,286</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,787</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,544</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,083</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,701</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,767</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">173</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,341</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Charge-offs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(642</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(433</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(2,823</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(639</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(122</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(43</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(4,702</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Recoveries</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">66</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">608</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,337</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">392</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,429</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">482</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(609</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">544</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">155</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">72</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">607</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,214</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,192</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,353</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,602</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,991</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,677</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,374</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">93</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,282</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> 0 4702000 43000 0 80000 2966000 43000 137000 3401000 2823000 1397000 1545000 639000 299000 0 26000 5638000 2288000 852000 122000 642000 243000 199000 979000 56000 294000 770000 433000 0 26000 389000 156000 0 1184000 0 26000 66000 0 19000 19000 3429000 2255000 0 0 0 2337000 83000 0 45000 608000 1591000 238000 392000 28000 38000 1140000 199000 527000 460000 291000 0 156000 1974000 3117000 257000 206000 880000 2845000 1799000 1403000 0 230000 1448000 85000 0 1410000 0 0 266000 133000 709000 38000 598000 1205000 114000 691000 -242000 -151000 -99000 -177000 400000 700000 600000 800000 -900000 8742111000 8552669000 17047000 68945000 34814000 8675329000 -24783000 33609000 -36977000 7908771000 7882898000 3296000 3296000 3853000 3853000 0 0 0 0 1765000 361000 638000 932000 1726000 2088000 117000 54281000 9539000 353844000 87000 842000 3000000 3000 24816000 79000 5734000 3000 28740000 423488000 2889863000 2808113000 0 0 11502000 13308000 210865000 417000 0 0 0 907736000 11502000 0 0 896789000 0 16660000 16660000 0 0 0 0 210865000 0 399000 2808113000 1993074000 0 0 2889863000 1899978000 16680000 0 645488000 417000 0 0 223139000 0 1900377000 0 0 0 0 16680000 0 0 223139000 666883000 13308000 0 1992657000 1899978000 645488000 399000 1992657000 666883000 8804000 0 1128000 3024000 389937000 87000 0 3000000 79000 24178000 353844000 5049000 842000 163000 187000 815276000 1564831000 47048000 164940000 69254000 2498784000 25000 1100000 58000 1183000 0 0 0 278000 0 278000 0 0 0 0 0 0 30103000 3000 0 23688000 2710000 0 735000 33551000 23691000 3000 0 2027000 1261000 0 0 58000 1000 0 59000 287000 309000 0 287000 0 58000 2027000 59000 14000 21000 1261000 1000 3419000 0 227650000 309000 3419000 10 1 1 46 17 5 0 1 3 0 9 18 1 211589000 21000 14000 251000 250000 2742278000 2725232000 1465017000 6906000 26487000 8235000 34360000 66000 54000 121608000 496000 35186000 446000 0 34000 31000 21000 2236000 9000 1000 161000 0 0 2027000 0 14000 775417000 205220000 611129000 215191000 1866819000 16606000 16672000 11006000 1871049000 12862000 640455000 2724981000 46761000 2654805000 16680000 1992657000 13308000 666883000 11502000 223139000 210865000 1899978000 16660000 645488000 2889446000 11006000 215191000 11502000 223139000 417000 399000 515000 736000 0 26529000 400000 800000 102202000 0 0 81772000 225729000 0 769000000 207010000 104069000 0 1133000 2380000 24770000 48501000 0 1333000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>Acquisition-related expenses totaling $0.4 million and $0.8 million are excluded from the pro forma information for the three and six months ended June 30, 2015, respectively.</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 50%;"><tr><td valign="bottom" style="width: 44%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Pro Forma (Unaudited)</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Pro Forma (Unaudited)</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 44%; vertical-align: top; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total revenue, net of interest expense</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 25%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">104,069</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 25%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">207,010</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 44%; vertical-align: top; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 25%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24,770</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 25%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">48,501</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> 22212000 0 288000 68787000 2149000 2258000 3822000 4163000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: justify; display: block; line-height: 11.4pt; text-indent: 0pt;">NOTE B:&#160; ACQUISITIONS</div><div style="display: block; line-height: 8pt; text-indent: 0pt;"><br style="line-height: 8pt;" /></div><div style="display: block; line-height: 14.4pt; text-indent: 0pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">On January 4, 2016, the Company, through its subsidiary, CBNA Insurance Agency, Inc. ("CBNA Insurance"), completed its acquisition of WJL Agencies Inc. doing business as The Clark Insurance Agencies ("WJL"), an insurance agency operating in northern New York. The Company paid $0.6 million in cash for the intangible assets of the company.&#160; Goodwill in the amount of $0.3 million and intangible assets in the amount of $0.3 million were recorded in conjunction with the acquisition.&#160; The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.</div><div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">On December 4, 2015, the Company completed its acquisition of Oneida Financial Corp. ("Oneida"), parent company of Oneida Savings Bank, headquartered in Oneida, New York for approximately $158 million in Company stock and cash, comprised of $56.3 million of cash and the issuance of 2.38 million shares of common stock.&#160; Upon the completion of the merger, Community Bank, N.A. ("CBNA" or the "Bank") added 12 branch locations in Oneida and Madison counties and approximately $769 million of assets, including approximately $399 million of loans and $226 million of investment securities, along with $699 million of deposits.&#160; Through the acquisition of Oneida, the Company acquired, among others, OneGroup NY, Inc. ("OneGroup") and Oneida Wealth Management, Inc. ("OWM") as wholly-owned subsidiaries primarily engaged in offering insurance and investment advisory services.&#160; These subsidiaries complement the Company's other non-banking financial services businesses. The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.</div></div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The assets and liabilities assumed in the acquisitions were recorded at their estimated fair values based on management's best estimates using information available at the date of the acquisition, and were subject to adjustment based on updated information not available at the time of acquisition.&#160; During the first quarter of 2016, the carrying amount of other assets decreased by $0.9 million and other liabilities increased by $0.7 million as a result of adjustments made to fair value estimates recorded for the Oneida acquisition. Other assets decreased as a result of new information obtained related to the fair value calculation of loans partially offset by a decrease in the fair value adjustment made to accounts receivable for uncollectible accounts as actual cash receipts exceed anticipated cash receipts.&#160; Other liabilities increased as a result of updated information related to deferred taxes.&#160; Goodwill increased $1.6 million as a result of these changes in fair value estimates.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The above referenced acquisitions expanded the Company's geographical presence in New York and management expects that the Company will benefit from greater geographic diversity and the advantages of other synergistic business development opportunities.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following table summarizes the estimated fair value of the assets acquired and liabilities assumed after considering the measurement period adjustments described above:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000s omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consideration paid :</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Cash</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">575</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">56,266</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Community Bank System, Inc. common stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102,202</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Total net consideration paid</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">575</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">158,468</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Recognized amounts of identifiable assets acquired and liabilities assumed:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Cash and cash equivalents</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">81,772</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Investment securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">225,729</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399,422</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Premises and equipment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">22,212</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Accrued interest receivable</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26,529</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Core deposit intangibles</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,570</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other intangibles</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">288</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,994</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Deposits</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(699,241</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other liabilities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,333</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="border-top: #000000 2px solid; width: 70%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Total identifiable assets, net</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">288</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">68,787</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Goodwill</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">287</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">89,681</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments were aggregated by comparable characteristics and&#160; recorded at fair value without a carryover of the related allowance for loan losses.&#160; Cash flows for each loan were determined using an estimate of credit losses and an estimated rate of prepayments.&#160; Projected monthly cash flows were then discounted to present value using a market-based discount rate.&#160; The excess of the undiscounted expected cash flows over the estimated fair value is referred to as the "accretable yield" and is recognized into interest income over the remaining lives of the acquired loans.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following is a summary of the loans acquired from Oneida at the date of acquisition:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 55%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Non-impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000s omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Contractually required principal and interest at acquisition</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,138</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">484,937</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">490,075</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Contractual cash flows not expected to be collected</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,977</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(4,833</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(6,810</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;Expected cash flows at acquisition</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">480,104</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">483,265</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 5.4pt; line-height: 11.4pt;">Interest component of expected cash flows</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(341</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(83,502</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(83,843</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Fair value of acquired loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,820</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">396,602</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399,422</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The fair value of checking, savings and money market deposit accounts acquired were assumed to approximate the carrying value as these accounts have no stated maturity and are payable on demand.&#160; Certificate of deposit accounts were valued at the present value of the certificates' expected contractual payments discounted at market rates for similar certificates.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The core deposit intangibles and other intangibles related to the Oneida acquisition and the other intangibles related to WJL are being amortized using an accelerated method over their estimated useful life of eight years.&#160; The goodwill, which is not amortized for book purposes, was assigned to the Banking and All Other segments for the Oneida acquisition and the All Other segment for WJL.&#160; Goodwill arising from the Oneida acquisition is not deductible for tax purposes.&#160; Goodwill arising from the WJL acquisition is deductible for tax purposes.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Direct costs related to the acquisitions were expensed as incurred.&#160; Merger and acquisition integration-related expenses amount to $0.3 million and $0.4 million during the three months ended June 30, 2016 and 2015 and $0.3 million and $0.8 million for the six months ended June 30, 2016 and 2015, respectively, and have been separately stated in the Consolidated Statements of Income.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Supplemental Pro Forma Financial Information</div><div style="display: block; line-height: 14.4pt; text-indent: 0pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">The following unaudited condensed pro forma information assumes the Oneida acquisition had been completed as of January 1, 2015 for the three months and six months ended June 30, 2015.&#160; The pro forma information does not include amounts related to WJL as the amounts were immaterial and financial information is not readily available. The table below has been prepared for comparative purposes only and is not necessarily indicative of the actual results that would have been attained had the acquisition occurred as of the beginning of the years presented, nor is it indicative of the Company's future results. Furthermore, the unaudited pro forma information does not reflect management's estimate of any revenue-enhancing opportunities nor anticipated cost savings or the impact of conforming certain acquiree accounting policies to the Company's policies that may have occurred as a result of the integration and consolidation of the acquisitions.</div><div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 1pt; font-family: Arial, sans-serif; text-align: left; line-height: 1.15pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">The pro forma information set forth below reflects the historical results of Oneida combined with the Company's consolidated statement of income with adjustments related to (a)&#160;certain purchase accounting fair value adjustments; (b)&#160;amortization of customer lists and core deposit intangibles and (c) changes to effective tax rate as a result of the Company's assets size being above $8 billion on a consolidated basis.&#160; Acquisition-related expenses totaling $0.4 million and $0.8 million are excluded from the pro forma information for the three and six months ended June 30, 2015, respectively.</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;</div></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 50%;"><tr><td valign="bottom" style="width: 44%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Pro Forma (Unaudited)</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Pro Forma (Unaudited)</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 44%; vertical-align: top; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total revenue, net of interest expense</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 25%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">104,069</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 25%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">207,010</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 44%; vertical-align: top; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 25%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24,770</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 25%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">48,501</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> 9994000 0 288000 2570000 263000 340000 756000 361000 153210000 161634000 138396000 143047000 0 0 399422000 396602000 2820000 810000 674000 5138000 484937000 490075000 252000 3161000 480104000 483265000 116000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 12pt; text-indent: 0pt;">NOTE J:&#160; COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS</div><div style="display: block; line-height: 8pt; text-indent: 0pt;"><br style="line-height: 8pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 12pt; text-indent: 0pt;">The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers.&#160; These financial instruments consist primarily of commitments to extend credit and standby letters of credit.&#160; Commitments to extend credit are agreements to lend to customers, generally having fixed expiration dates or other termination clauses that may require payment of a fee.&#160; These commitments consist principally of unused commercial and consumer credit lines.&#160; Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of an underlying contract with a third party.&#160; The credit risks associated with commitments to extend credit and standby letters of credit are essentially the same as that involved with extending loans to customers and are subject to the Company's normal credit policies.&#160; Collateral may be obtained based on management's assessment of the customer's creditworthiness.&#160; The fair value of the standby letters of credit is immaterial for disclosure.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The contract amounts of commitments and contingencies are as follows:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 40%;"><tr><td valign="bottom" style="width: 54%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31,</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Commitments to extend credit</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">725,561</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">811,442</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Standby letters of credit</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,713</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,053</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">745,274</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">830,495</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company and its subsidiaries are subject in the normal course of business to various pending and threatened legal proceedings in which claims for monetary damages are asserted. As of June 30, 2016, management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company or its subsidiaries will be material to the Company's consolidated financial position. On at least a quarterly basis, the Company assesses its liabilities and contingencies in connection with such legal proceedings. For those matters where it is probable that the Company will incur losses and the amounts of the losses can be reasonably estimated, the Company records an expense and corresponding liability in its consolidated financial statements. To the extent the pending or threatened litigation could result in exposure in excess of that liability, the amount of such excess is not currently estimable. The range of reasonably possible losses for matters where an exposure is not currently estimable or considered probable, beyond the existing recorded liabilities, is between $0 and $1 million in the aggregate. Although the Company does not believe that the outcome of pending litigation will be material to the Company's consolidated financial position, it cannot rule out the possibility that such outcomes will be material to the consolidated results of operations for a particular reporting period in the future.</div></div> 0.30 0.31 0.62 0.60 44442568 44695978 44696000 44443000 75000000 75000000 1.00 1.00 43774860 44178695 8732000 7473000 14463000 17142000 45605000 -6424000 112060000 34087000 2006-12-08 2001-07-31 Par Par 3 month LIBOR 3 month LIBOR 301300000 267600000 0.0165 0.0358 75000000 24500000 267600000 267600000 301300000 301300000 2036-12-15 2031-07-31 0.023 0.0422 -733000 -366000 3000 -377000 6000 -754000 3000 1000 4000 -89000 22000 -89000 2000 -45000 -45000 11000 0 6085000 0 3042000 0 0 5921000 2961000 1406000 1375000 43000 22000 41000 20000 2749000 2812000 -26000 -140000 -51000 -468000 -281000 -26000 -937000 -52000 0 0 1662000 2052000 0 0 831000 1027000 6957854000 6873474000 6871098000 6957854000 6873474000 6956075000 6533000 7150000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">NOTE L:&#160; DERIVATIVE INSTRUMENTS</div><div style="display: block; line-height: 8pt; text-indent: 0pt;"><br style="line-height: 8pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company is party to derivative financial instruments in the normal course of its business to meet the financing needs of its customers and to manage its own exposure to fluctuations in interest rates.&#160; These financial instruments have been limited to commitments to originate real estate loans held for sale and forward sales commitments.&#160; The Company does not hold or issue derivative financial instruments for trading or other speculative purposes.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company enters into forward sales commitments for the future delivery of residential mortgage loans, and interest rate lock commitments to fund loans at a specified interest rate.&#160; The forward sales commitments are utilized to reduce interest rate risk associated with interest rate lock commitments and loans held for sale.&#160; Changes in the estimated fair value of the forward sales commitments and interest rate lock commitments subsequent to inception are based on changes in the fair value of the underlying loan resulting from the fulfillment of the commitment and changes in the probability that the loan will fund within the terms of the commitment, which is affected primarily by changes in interest rates and the passage of time.&#160; At inception and during the life of the interest rate lock commitment, the Company includes the expected net future cash flows related to the associated servicing of the loan as part of the fair value measurement of the interest rate lock commitments.&#160; These derivatives are recorded at fair value, which were immaterial at June 30, 2016.&#160; The effect of the changes to these derivatives for the three and six months then ended was also immaterial.</div></div> 12247000 13681000 27292000 27292000 0.58 0.58 1.13 1.14 0.58 0.58 1.12 1.13 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">NOTE I:&#160; EARNINGS PER SHARE</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; margin-right: 12.25pt; text-indent: 0pt;">The two class method is used in the calculations of basic and diluted earnings per share.&#160; Under the two class method, earnings available to common shareholders for the period are allocated between common shareholders and participating securities according to dividends declared and participation rights in undistributed earnings.&#160; The Company has determined that all of its outstanding non-vested stock awards are participating securities as of June 30, 2016.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Basic earnings per share are computed based on the weighted-average of the common shares outstanding for the period.&#160; Diluted earnings per share are based on the weighted-average of the shares outstanding adjusted for the dilutive effect of restricted stock and the assumed exercise of stock options during the year.&#160; The dilutive effect of options is calculated using the treasury stock method of accounting.&#160; The treasury stock method determines the number of common shares that would be outstanding if all the dilutive options (those where the average market price is greater than the exercise price) were exercised and the proceeds were used to repurchase common shares in the open market at the average market price for the applicable time period.&#160; There were approximately 0.8 million weighted-average anti-dilutive stock options outstanding for the three months ended June 30, 2016, and approximately 0.7 million weighted-average anti-dilutive stock options outstanding for the six months ended June 30, 2016, compared to approximately 0.6 million weighted-average anti-dilutive stock options outstanding for the three months ended June 30, 2015, and approximately 0.4 million weighted-average anti-dilutive stock options outstanding for the six months ended June 30, 2015 that were not included in the computation below.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following is a reconciliation of basic to diluted earnings per share for the three and six months ended June 30<font style="font-size: 10pt; font-family: 'Times New Roman', serif;">, 2016</font> and 2015:</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 56%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted, except per share data)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">25,857</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,840</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">50,260</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,137</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income attributable to unvested stock-based compensation awards</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(151</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(99</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(242</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(177</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income available to common shareholders</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">25,706</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,741</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">50,018</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,960</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Weighted-average common shares outstanding &#8211; basic</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">44,021</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">40,690</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">43,942</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">40,674</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Basic earnings per share</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0.58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0.58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1.14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1.13</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">25,857</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,840</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">50,260</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,137</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income attributable to unvested stock-based compensation awards</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(151</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(99</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(242</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(177</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income available to common shareholders</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">25,706</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,741</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">50,018</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,960</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Weighted-average common shares outstanding &#8211; basic</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">44,021</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">40,690</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">43,942</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">40,674</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Assumed exercise of stock options</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">357</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">404</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">347</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">405</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Weighted-average common shares outstanding &#8211; diluted</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">44,378</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">41,094</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">44,289</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">41,079</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Diluted earnings per share</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0.58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0.58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1.13</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1.12</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Stock Repurchase Program</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 12pt; text-indent: 0pt;">At its December 2015 meeting, the Company's Board of Directors (the "Board") approved a new repurchase program authorizing the repurchase of up to 2.2 million shares of the Company's common stock, in accordance with securities laws and regulations, through December 31, 2016.&#160;&#160;Any repurchased shares will be used for general corporate purposes, including those related to stock plan activities.&#160; The timing and extent of repurchases will depend on market conditions and other corporate considerations as determined at the Company's discretion.&#160; The Company did not repurchase any shares under the authorized plan during the first six months of 2016.</div></div> 1 928000 1063000 399000 282000 337000 152000 0.0224 117000 908631000 1900377000 2890660000 897225000 1993074000 361000 2809125000 0.118 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 12pt; text-indent: 0pt;">NOTE K:&#160; FAIR VALUE</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 12pt; text-indent: 0pt;">Accounting standards establish a framework for measuring fair value and require certain disclosures about such fair value instruments.&#160; It defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (i.e. exit price).&#160; Inputs used to measure fair value are classified into the following hierarchy:</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 12pt; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 10%;"><div><font style="font-family: Times New Roman;">&#160;&#160;&#160;&#160; &#9679;&#160;&#160;&#160;&#160; </font>Level 1 &#8211;</div></td><td style="width: 90%;">Quoted prices in active markets for identical assets or liabilities.</td></tr><tr><td style="width: 10%;"><font style="font-family: Times New Roman;">&#160;&#160;&#160;&#160; &#9679;&#160;&#160;&#160;&#160; </font>Level 2 &#8211;</td><td style="width: 90%;">Quoted prices in active markets for similar assets or liabilities, or quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs other than quoted prices that are observable for the asset or liability.</td></tr><tr><td style="width: 10%;"><font style="font-family: Times New Roman;">&#160;&#160;&#160;&#160; &#9679;&#160;&#160;&#160;&#160; </font>Level 3 &#8211;</td><td style="width: 90%;">Significant valuation assumptions not readily observable in a market.</td></tr></table></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; clear: both; display: block; line-height: 12pt; text-indent: 0pt;">&#160;</div><div style="clear: both; display: block; line-height: 12pt; text-indent: 0pt; font-size: 10pt; font-family: 'Times New Roman'; text-align: left;">A financial instrument&#8217;s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.&#160; The following tables set forth the Company&#8217;s financial assets and liabilities that were accounted for at fair value on a recurring basis.&#160; There were no transfers between any of the levels for the periods presented.</div><div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: 10pt 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -9pt;">Available-for-sale investment securities:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">U.S. Treasury and agency securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,992,657</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,992,657</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Obligations of state and political subdivisions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">645,488</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">645,488</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">223,139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">223,139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Corporate debt securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,502</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,502</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Marketable equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">417</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">417</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">&#160;&#160;&#160;&#160;Total available-for-sale investment securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,993,074</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">896,789</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,889,863</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">Mortgage loans held for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -9pt;">Commitments to originate real estate loans for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">Forward sales commitments</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(78</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(78</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">&#160;&#160;Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,993,074</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">897,225</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,890,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 13.1pt; text-indent: 0pt;"><br style="line-height: 13.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -9pt;">Available-for-sale investment securities:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">U.S. Treasury and agency securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,899,978</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,899,978</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Obligations of state and political subdivisions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">666,883</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">666,883</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">210,865</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">210,865</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Corporate debt securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,680</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,680</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">13,308</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">13,308</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Marketable equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">&#160;&#160;&#160;&#160;Total available-for-sale investment securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,900,377</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">907,736</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,808,113</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">Mortgage loans held for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">932</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">932</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -9pt;">Commitments to originate real estate loans for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">Forward sales commitments</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -9pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,900,377</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">908,631</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,809,125</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 85.7pt; display: block; line-height: 11.4pt; margin-right: 12.25pt; text-indent: -85.7pt;">The valuation techniques used to measure fair value for the items in the table above are as follows:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 18pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; line-height: 11.4pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Available-for-sale investment securities &#8211; The fair values of available-for-sale investment securities are based upon quoted prices, if available.&#160; If quoted prices are not available, fair values are measured using quoted market prices for similar securities or model-based valuation techniques.&#160; Level 1 securities include U.S. Treasury obligations and marketable equity securities that are traded by dealers or brokers in active over-the-counter markets.&#160; Level 2 securities include U.S. agency securities, mortgage-backed securities issued by government-sponsored entities, municipal securities and corporate debt securities that are valued by reference to prices for similar securities or through model-based techniques in which all significant inputs, such as reported trades, trade execution data, LIBOR swap yield curve, market prepayment speeds, credit information, market spreads, and security's terms and conditions, are observable.&#160; See Note D for further disclosure of the fair value of investment securities.</div></td></tr></table></div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 18pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; line-height: 11.4pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: justify; line-height: 11.4pt;">Mortgage loans held for sale &#8211;The Company has elected to value loans held for sale at fair value in order to more closely match the gains and losses associated with loans held for sale with the gains and losses on forward sales contracts.&#160; Accordingly, the impact on the valuation will be recognized in the Company's consolidated statement of income.&#160; All mortgage loans held for sale are current and in performing status.&#160; The fair value of mortgage loans held for sale is determined using quoted secondary-market prices of loans with similar characteristics and, as such, has been classified as a Level 2 valuation.&#160; The unpaid principal value of mortgage loans held for sale at June 30, 2016 was approximately $0.5 million.&#160; The unrealized gain on mortgage loans held for sale was recognized in mortgage banking and other income in the consolidated statement and is immaterial.</div></td></tr></table></div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 18pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; line-height: 11.4pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Forward sales commitments &#8211; The Company enters into forward sales commitments to sell certain residential real estate loans.&#160; Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet.&#160; The fair value of these forward sales commitments is primarily measured by obtaining pricing from certain government-sponsored entities and reflects the underlying price the entity would pay the Company for an immediate sale on these mortgages.&#160; As such, these instruments are classified as Level 2 in the fair value hierarchy.</div></td></tr></table></div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 18pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; line-height: 11.4pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Commitments to originate real estate loans for sale &#8211; The Company enters into various commitments to originate residential real estate loans for sale.&#160; Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet.&#160; The estimated fair value of these commitments is determined using quoted secondary market prices obtained from certain government-sponsored entities.&#160; Additionally, accounting guidance requires the expected net future cash flows related to the associated servicing of the loan to be included in the fair value measurement of the derivative.&#160; The expected net future cash flows are based on a valuation model that calculates the present value of estimated net servicing income.&#160; The valuation model incorporates assumptions that market participants would use in estimating future net servicing income.&#160; Such assumptions include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds.&#160; The determination of expected net cash flows is considered a significant unobservable input contributing to the Level 3 classification of commitments to originate real estate loans for sale.</div></td></tr></table></div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The changes in Level 3 assets measured at fair value on a recurring basis are summarized in the following tables:</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 40%; vertical-align: middle;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: middle; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: middle; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Commitments </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">to Originate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Real Estate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans for Sale</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Commitments </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">to Originate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Real Estate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans for Sale</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Commitments </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">to Originate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Real Estate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans for Sale</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Commitments </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">to Originate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Real Estate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans for Sale</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; text-indent: 0.1pt;">Beginning balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">282</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">152</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">185</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; text-indent: 0.1pt;">Total losses included in earnings<sup> (1)</sup></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(282</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(152</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(399</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(337</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 8.8pt; line-height: 11.4pt; text-indent: -8.8pt;">Commitments to originate real estate loans held for sale, net</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">195</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">643</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">347</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">195</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">195</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div style="text-align: left;"><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td style="width: 4%; vertical-align: top; text-align: center;"><div style="text-align: left;"><sup>(1)</sup></div></td><td style="width: 96%;"><div style="font-size: 8pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 9.1pt;">Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income</div></td></tr></table></div><div>&#160;</div><div style="font-size: 9.5pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 12pt;">The fair value information of assets and liabilities measured on a non-recurring basis presented below is not as of the period-end, but rather as of the date the fair value adjustment was recorded closest to the date presented.</div><div>&#160;</div></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Impaired loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">932</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">932</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,765</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,765</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Mortgage servicing rights</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">638</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">638</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other real estate owned</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,726</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,726</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,088</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,088</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,296</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,296</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,853</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,853</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Loans are generally not recorded at fair value on a recurring basis.&#160; Periodically, the Company records nonrecurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of those loans.&#160; Nonrecurring adjustments also include certain impairment amounts for collateral-dependent loans calculated when establishing the allowance for credit losses. Such amounts are generally based on the fair value of the underlying collateral supporting the loan and, as a result, the carrying value of the loan less the calculated valuation amount does not necessarily represent the fair value of the loan. Real estate collateral is typically valued using independent appraisals or other indications of value based on recent comparable sales of similar properties or assumptions generally observable in the marketplace, adjusted for non-observable inputs.&#160; Thus, the resulting nonrecurring fair value measurements are generally classified as Level 3. Estimates of fair value used for other collateral supporting commercial loans generally are based on assumptions not observable in the marketplace and, therefore, such valuations classify as Level 3.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Other real estate owned ("OREO") is valued at the time the loan is foreclosed upon and the asset is transferred to OREO. The value is based primarily on third party appraisals, less costs to sell. The appraisals are sometimes further discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the customer and customer's business. Such discounts are significant, ranging from 6% to 94% at June 30, 2016 and result in a Level 3 classification of the inputs for determining fair value. OREO is reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. The Company recovers the carrying value of OREO through the sale of the property. The ability to affect future sales prices is subject to market conditions and factors beyond the Company's control and may impact the estimated fair value of a property.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; margin-right: 12.25pt; text-indent: 0pt;">Originated mortgage servicing rights are recorded at their fair value at the time of sale of the underlying loan, and are amortized in proportion to and over the estimated period of net servicing income.&#160; The fair value of mortgage servicing rights is based on a valuation model incorporating inputs that market participants would use in estimating future net servicing income.&#160; Such inputs include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds and are considered to be unobservable and contribute to the Level 3 classification of mortgage servicing rights.&#160; In accordance with GAAP, the Company must record impairment charges, on a nonrecurring basis, when the carrying value of a stratum exceeds its estimated fair value.&#160; Impairment is recognized through a valuation allowance.&#160; There is a valuation allowance at June 30, 2016 of approximately $0.1 million.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company determines fair values based on quoted market values, where available, estimates of present values, or other valuation techniques.&#160; Those techniques are significantly affected by the assumptions used, including, but not limited to, the discount rate and estimates of future cash flows.&#160; In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, may not be realized in immediate settlement of the instrument.&#160; The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis are as follows:</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: center; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair Value at </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Valuation Technique</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Significant Unobservable Inputs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Significant </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unobservable Input Range</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">(Weighted Average)</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 10.25pt;">Other real estate owned</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">1,726</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair Value of Collateral</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Estimated cost of disposal/market adjustment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">6<font style="font-size: 9pt; font-family: Palatino, 'Book Antiqua', serif;">.</font>3% - 93.8% (31.5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 10.25pt;">Impaired loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">932</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair Value of Collateral</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Estimated cost of disposal/market adjustment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">9.0% - 16.9% (12.8</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 4.5pt; line-height: 10.25pt; text-indent: -4.5pt;">Commitments to originate </div><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 4.5pt; line-height: 10.25pt; text-indent: -4.5pt;">&#160;&#160;&#160;&#160; real estate loans for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Discounted cash flow</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Embedded servicing value</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: top; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 10.25pt;">Mortgage servicing rights</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">638</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Discounted cash flow</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Weighted average constant prepayment rate</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">11.8</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #cceeff;">&#160;&#160;&#160;</td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Weighted average discount rate</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">2.24</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #ffffff;">&#160;&#160;&#160;</td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Adequate compensation</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">$7/loan</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: center; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair Value at December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Valuation Technique</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Significant Unobservable Inputs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Significant </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unobservable Input Range</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">(Weighted Average)</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 10.25pt;">Other real estate owned</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">2,088</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair value of collateral</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Estimated cost of disposal/market adjustment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">5.3% - 74.0% (27.7</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 10.25pt;">Impaired loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">1,765</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair value of collateral</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Estimated cost of disposal/market adjustment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">9.0% - 20.0% (17.9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 4.5pt; line-height: 10.25pt; text-indent: -4.5pt;">Commitments to originate </div><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 4.5pt; line-height: 10.25pt; text-indent: -4.5pt;">&#160;&#160;&#160;&#160; real estate loans for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Discounted cash flow</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Embedded servicing value</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%</div></td></tr></table></div><div style="clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Certain financial instruments and all nonfinancial instruments are excluded from fair value disclosure requirements.&#160; Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.&#160; The carrying amounts and estimated fair values of the Company's other financial instruments that are not accounted for at fair value at June 30, 2016 and December 31, 2015 are as follows:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Financial assets:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Net loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,858,276</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,928,960</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,755,974</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,808,856</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Financial liabilities:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Deposits</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,957,854</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,956,075</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,873,474</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,871,098</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Borrowings</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">267,600</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">267,600</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">301,300</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">301,300</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Subordinated debt held by unconsolidated subsidiary trusts</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102,158</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">80,108</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102,146</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">84,680</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following is a further description of the principal valuation methods used by the Company to estimate the fair values of its financial instruments.</div><div style="text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Loans have been classified as a Level 3 valuation.&#160; Fair values for variable rate loans that reprice frequently are based on carrying values.&#160; Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Deposits have been classified as a Level 2 valuation.&#160; The fair value of demand deposits, interest-bearing checking deposits, savings accounts, and money market deposits is the amount payable on demand at the reporting date.&#160; The fair value of time deposit obligations are based on current market rates for similar products.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Borrowings have been classified as a Level 2 valuation.&#160; The fair value of FHLB overnight advances is the amount payable on demand at the reporting date.&#160; Fair values for long-term borrowings are estimated using discounted cash flows and interest rates currently being offered on similar borrowings, and are immaterial as of the reporting dates.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Subordinated debt held by unconsolidated subsidiary trusts have been classified as a Level 2 valuation.&#160;&#160; The fair value of subordinated debt held by unconsolidated subsidiary trusts are estimated using discounted cash flows and interest rates currently being offered on similar securities.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Other financial assets and liabilities &#8211; Cash and cash equivalents have been classified as a Level 1 valuation, while accrued interest receivable and accrued interest payable have been classified as a Level 2 valuation.&#160; The fair values of each approximate the respective carrying values because the instruments are payable on demand or have short-term maturities and present relatively low credit risk and interest rate risk.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 9.5pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 12pt;">The fair value information of assets and liabilities measured on a non-recurring basis presented below is not as of the period-end, but rather as of the date the fair value adjustment was recorded closest to the date presented.</div><div>&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Impaired loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">932</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">932</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,765</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,765</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Mortgage servicing rights</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">638</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">638</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other real estate owned</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,726</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,726</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,088</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,088</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,296</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,296</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,853</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,853</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis are as follows:</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: center; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair Value at </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Valuation Technique</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Significant Unobservable Inputs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Significant </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unobservable Input Range</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">(Weighted Average)</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 10.25pt;">Other real estate owned</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">1,726</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair Value of Collateral</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Estimated cost of disposal/market adjustment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">6<font style="font-size: 9pt; font-family: Palatino, 'Book Antiqua', serif;">.</font>3% - 93.8% (31.5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 10.25pt;">Impaired loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">932</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair Value of Collateral</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Estimated cost of disposal/market adjustment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">9.0% - 16.9% (12.8</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 4.5pt; line-height: 10.25pt; text-indent: -4.5pt;">Commitments to originate </div><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 4.5pt; line-height: 10.25pt; text-indent: -4.5pt;">&#160;&#160;&#160;&#160; real estate loans for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Discounted cash flow</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Embedded servicing value</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: top; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 10.25pt;">Mortgage servicing rights</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">638</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Discounted cash flow</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Weighted average constant prepayment rate</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">11.8</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #cceeff;">&#160;&#160;&#160;</td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Weighted average discount rate</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">2.24</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #ffffff;">&#160;&#160;&#160;</td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Adequate compensation</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">$7/loan</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: center; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair Value at December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Valuation Technique</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Significant Unobservable Inputs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Significant </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unobservable Input Range</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">(Weighted Average)</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 10.25pt;">Other real estate owned</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">2,088</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair value of collateral</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Estimated cost of disposal/market adjustment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">5.3% - 74.0% (27.7</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 10.25pt;">Impaired loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">1,765</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair value of collateral</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Estimated cost of disposal/market adjustment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">9.0% - 20.0% (17.9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 4.5pt; line-height: 10.25pt; text-indent: -4.5pt;">Commitments to originate </div><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 4.5pt; line-height: 10.25pt; text-indent: -4.5pt;">&#160;&#160;&#160;&#160; real estate loans for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 17%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Discounted cash flow</div></td><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Embedded servicing value</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; line-height: 10.25pt;">%</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>The carrying amounts and estimated fair values of the Company's other financial instruments that are not accounted for at fair value at June 30, 2016 and December 31, 2015 are as follows:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Financial assets:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Net loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,858,276</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,928,960</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,755,974</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,808,856</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Financial liabilities:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Deposits</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,957,854</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,956,075</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,873,474</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,871,098</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Borrowings</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">267,600</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">267,600</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">301,300</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">301,300</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Subordinated debt held by unconsolidated subsidiary trusts</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102,158</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">80,108</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102,146</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">84,680</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The changes in Level 3 assets measured at fair value on a recurring basis are summarized in the following tables:</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 40%; vertical-align: middle;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: middle; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: middle; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Commitments </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">to Originate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Real Estate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans for Sale</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Commitments </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">to Originate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Real Estate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans for Sale</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Commitments </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">to Originate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Real Estate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans for Sale</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Commitments </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">to Originate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Real Estate </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans for Sale</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; text-indent: 0.1pt;">Beginning balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">282</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">152</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">185</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; text-indent: 0.1pt;">Total losses included in earnings<sup> (1)</sup></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(282</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(152</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(399</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(337</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 8.8pt; line-height: 11.4pt; text-indent: -8.8pt;">Commitments to originate real estate loans held for sale, net</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">195</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">643</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">347</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">195</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">195</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div style="text-align: left;"><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td style="width: 4%; vertical-align: top; text-align: center;"><div style="text-align: left;"><sup>(1)</sup></div></td><td style="width: 96%;"><div style="font-size: 8pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 9.1pt;">Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income</div></td></tr></table></div></div> 152000 185000 117000 282000 361000 195000 80108000 84680000 102158000 102146000 1090000 963000 1952000 2192000 13213000 15008000 28742000 25683000 126000 1018000 0 336000 26000 1573000 270000 394000 111000 45000 0 0 1411000 142000 342000 0 0 0 51000 0 1801000 66000 394000 102000 176585000 4293361000 237362000 4134109000 254623000 171678000 946646000 16871000 550666000 297012000 1223679000 102306000 185133000 92263000 1581063000 12543000 878662000 182127000 36820000 1279860000 303665000 45176000 604109000 1558171000 9857000 4442000 636000 84000 1721000 9949000 1565000 535000 2929000 245000 154000 140000 11575000 46699000 3163000 9356000 963000 1466000 1600000 49612000 1093000 6246000 22496000 10716000 29006000 1179000 340000 245000 684000 11677000 2841000 7068000 168000 23287000 4058000 1205000 1158000 1414000 84000 168000 2784000 9498000 815000 1373000 5660000 10482000 3233000 26867000 806000 6144000 501000 3958000 4206000 71000 942000 691000 954000 6526000 504000 37000 1260000 408000 2029000 0 5381000 1000 1186000 11394000 0 18259000 1924000 11621000 0 2223000 0 2923000 0 4714000 0 1396000 18805000 3891000 327000 14000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>The following table details the balances in all other loan categories at June 30, 2016:</div><div style="line-height: 6.85pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Legacy Loans</font> (excludes loans acquired after January 1, 2009)</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Performing</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,590,920</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">956,002</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">183,306</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">304,480</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,034,708</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Nonperforming</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,639</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">142</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,969</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14,776</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,603,559</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">956,144</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">183,332</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">306,449</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,049,484</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 5.7pt; text-indent: 0pt;"><br style="line-height: 5.7pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Acquired Loans</font> (includes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 5.7pt; text-indent: 0pt;"><br style="line-height: 5.7pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Performing</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">173,243</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">36,988</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,627</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">92,947</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">315,805</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Nonperforming</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,493</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">474</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,967</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">175,736</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">36,988</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,627</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">93,421</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">318,772</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 5.7pt; text-indent: 0pt;"><br style="line-height: 5.7pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following table details the balances in all other loan categories at December 31, 2015:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Legacy Loans</font> (excludes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 5.7pt; text-indent: 0pt;"><br style="line-height: 5.7pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Performing</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,568,653</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">890,237</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">177,999</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">298,105</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,934,994</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Nonperforming</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,805</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">52</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,140</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,099</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,581,458</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">890,339</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">178,051</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">300,245</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,950,093</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Acquired Loans</font> (includes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 5.7pt; text-indent: 0pt;"><br style="line-height: 5.7pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Performing</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">186,506</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,421</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,011</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102,942</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">351,880</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Nonperforming</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,790</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">327</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,131</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">188,296</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,421</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,025</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">103,269</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">354,011</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following table shows the amount of business lending loans by credit quality category:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Legacy</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Legacy</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Pass</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,082,841</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">186,526</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,269,367</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,048,364</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">219,374</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,267,738</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Special mention</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">135,172</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">31,724</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">166,896</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">124,768</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20,007</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">144,775</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Classified</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">72,283</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20,712</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">92,995</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">60,181</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,963</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">77,144</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Doubtful</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">280</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">280</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">315</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">315</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Acquired impaired</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,008</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,008</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,299</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,299</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,290,576</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">245,970</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,536,546</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,233,628</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">263,643</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,497,271</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> 0 52000 0 280000 163000 84000 437000 1000 731000 118000 52000 51000 461000 4000 146000 652000 73000 73000 14000 61000 51000 1159000 0 331000 1 1 5 20 6 0 1 8 9 6 0 35 2 2 1 20 12 2 9 21 4 2 3 0 2823000 4412000 11105000 20894000 9957000 9789000 18336000 8379000 31309000 36359000 39204000 6460000 7895000 29899000 39688000 17565000 17852000 57253000 39688000 57540000 P8Y P8Y P8Y P20Y P20Y P7Y P7Y 2634000 2119000 2782000 3566000 4824000 4824000 469966000 468076000 0 465142000 463252000 89681000 287000 375174000 364495000 0 0 2660000 8018000 8019000 440870000 16254000 1600000 1890000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Intangible Assets</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Intangible assets include core deposit intangibles, customer relationship intangibles and goodwill arising from acquisitions. Core deposit intangibles and customer relationship intangibles are amortized on either an accelerated or straight-line basis over periods ranging from seven to 20 years. The initial and ongoing carrying value of goodwill and other intangible assets is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.&#160; It also requires use of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, peer volatility indicators, and company-specific risk indicators.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.&#160; The implied fair value of a reporting unit's goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value over fair value.&#160; The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">NOTE F:&#160; GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: justify; display: block; line-height: 11.4pt; text-indent: 0pt;">The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows:</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 34%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Net</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Net</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Accumulated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Accumulated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amortization</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amortization</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">Amortizing intangible assets:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Core deposit intangibles</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">39,688</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(31,309</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,379</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">39,688</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(29,899</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,789</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Other intangibles</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,852</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(7,895</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,957</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,565</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(6,460</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,105</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;Total amortizing intangibles</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">57,540</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(39,204</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18,336</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">57,253</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(36,359</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20,894</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 20%;"><tr><td colspan="4" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">(000's omitted)</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">Jul - Dec 2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 45%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,634</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">2017</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 45%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,412</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">2018</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 45%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,566</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">2019</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 45%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,782</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">2020</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 45%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,119</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">Thereafter</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 45%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,823</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 45%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18,336</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Shown below are the components of the Company's goodwill at December 31, 2015 and June 30, 2016:</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 50%;"><tr><td valign="bottom" style="width: 36%; vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Activity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 36%; vertical-align: top; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Goodwill</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">468,076</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,890</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">469,966</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36%; vertical-align: top; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Accumulated impairment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(4,824</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(4,824</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 36%; vertical-align: top; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Goodwill, net</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">463,252</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,890</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">465,142</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> 1890000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">All loan classes are collectively evaluated for impairment except business lending, as described in Note C.&#160; A summary of individually evaluated impaired loans as of June 30, 2016 and December 31, 2015 follows:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 40%;"><tr><td valign="bottom" style="width: 54%; vertical-align: top;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Loans with allowance allocation</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,187</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Loans without allowance allocation</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">601</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,376</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Unpaid principal balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,788</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,376</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Contractual balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,401</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,419</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Allowance for loan loss allocated</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">255</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> 0 1187000 601000 2376000 2376000 1788000 255000 0 100000 34308000 38417000 66623000 74569000 2559000 2665000 34203000 58608000 5350000 3419000 1276000 1655000 0 0 30481000 0 5425000 65725000 0 2551000 10468000 12560000 24309000 20486000 13291000 14174000 151556000 84380000 2060000 -4648000 347000 404000 405000 357000 325000 5797000 724000 11638000 45791000 52509000 91382000 104159000 63880000 71110000 126334000 140866000 2804000 2652000 5266000 5679000 210000 294000 494000 497000 1872000 1731000 3766000 3531000 627000 722000 1416000 1241000 5321000 5689000 68306000 61228000 121068000 135187000 28000 61165000 68220000 48000 0 120948000 65000 35000 91000 38000 77000 55000 0 135019000 0 0 66001000 60637000 119854000 131541000 13288000 14016000 25348000 27612000 4801000 4585000 9095000 9604000 5373858000 5411601000 25904000 26202000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Investment Securities</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company can classify its investments in debt and equity securities as held-to-maturity, available-for-sale, or trading.&#160; Held-to-maturity securities are those for which the Company has the positive intent and ability to hold until maturity, and are reported at cost, which is adjusted for amortization of premiums and accretion of discounts.&#160; Securities classified as available-for-sale are reported at fair value with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of applicable income taxes.&#160; None of the Company's investment securities have been classified as trading securities at June 30, 2016.&#160; Certain equity securities are stated at cost and include restricted stock of the Federal Reserve Bank of New York ("Federal Reserve") and Federal Home Loan Bank of New York ("FHLB").</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Fair values for investment securities are based upon quoted market prices, where available.&#160; If quoted market prices are not available, fair values are based upon quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company conducts an assessment of all securities in an unrealized loss<font style="font-size: 12pt; font-family: 'Times New Roman', serif;">&#160;</font>position to determine if other-than-temporary impairment ("OTTI") exists on a quarterly basis. An unrealized loss exists when the current fair value of an individual security is less than its amortized cost basis.&#160; The OTTI assessment considers the security structure, recent security collateral performance metrics, if applicable, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment about, and expectations of, future performance, and relevant independent industry research, analysis and forecasts. The severity of the impairment and the length of time the security has been impaired is also considered in the assessment.&#160; The assessment of whether an OTTI decline exists is performed on each security, regardless of the classification of the security as available-for-sale or held-to-maturity and involves a high degree of subjectivity and judgment that is based on the information available to management at a point in time.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 13.7pt; text-indent: 0pt;">An OTTI loss must be recognized for a debt security in an unrealized loss position if there is intent to sell the security or it is more likely than not the Company will be required to sell the security prior to recovery of its amortized cost basis. In this situation, the amount of loss recognized in income is equal to the difference between the fair value and the amortized cost basis of the security. Even if management does not have the intent, and it is not more likely than not that the Company will be required to sell the securities, an evaluation of the expected cash flows to be received is performed to determine if a credit loss has occurred. For debt securities, a critical component of the evaluation for OTTI is the identification of credit-impaired securities, where the Company does not expect to receive cash flows sufficient to recover the entire amortized cost basis of the security.&#160; In the event of a credit loss, only the amount of impairment associated with the credit loss would be recognized in income. The portion of the unrealized loss relating to other factors, such as liquidity conditions in the market or changes in market interest rates, is recorded in accumulated other comprehensive loss.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Equity securities are also evaluated to determine whether the unrealized loss is expected to be recoverable based on whether evidence exists to support a realizable value equal to or greater than the amortized cost basis. If it is probable that the amortized cost basis will not be recovered, taking into consideration the estimated recovery period and the ability to hold the equity security until recovery, OTTI is recognized in earnings equal to the difference between the fair value and the amortized cost basis of the security.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The specific identification method is used in determining the realized gains and losses on sales of investment securities and OTTI charges.&#160; Premiums and discounts on securities are amortized and accreted, respectively, on the interest method basis over the period to maturity or estimated life of the related security.&#160; Purchases and sales of securities are recognized on a trade date basis.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">NOTE D:&#160; INVESTMENT SECURITIES</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The amortized cost and estimated fair value of investment securities as of June 30, 2016 and December 31, 2015 are as follows:</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 309px; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 5px; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 309px; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 5px; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 309px; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 5px; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 309px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">(000's omitted)</div></td><td valign="bottom" style="width: 5px; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gains</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Gains</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 309px; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">Available-for-Sale Portfolio:</div></td><td valign="bottom" style="width: 5px; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">U.S. Treasury and agency securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,871,049</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">121,608</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,992,657</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,866,819</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">35,186</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,027</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,899,978</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Obligations of state and political subdivisions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">611,129</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">34,360</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">645,488</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">640,455</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26,487</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">59</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">666,883</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">215,191</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,235</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">287</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">223,139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">205,220</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,906</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,261</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">210,865</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Corporate debt securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,606</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">54</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,672</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">66</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,680</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,006</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">496</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,502</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,862</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">446</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">13,308</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Marketable equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">251</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">187</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">21</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">417</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">250</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">163</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">&#160;&#160;&#160;&#160;&#160;Total available-for-sale portfolio</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,725,232</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">164,940</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">309</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,889,863</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,742,278</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">69,254</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,419</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,808,113</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr style="height: 13px;"><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Other Securities:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Federal Home Loan Bank common stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,732</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,732</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,317</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,317</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Federal Reserve Bank common stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,780</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,780</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,050</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,050</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36.06%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">Other equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,926</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,926</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,460</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,460</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr style="height: 18px;"><td valign="bottom" style="width: 36.06%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 10.25pt; text-indent: -9pt;">&#160;&#160;&#160;&#160;&#160;Total other securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">41,438</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">41,438</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">39,827</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">39,827</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">A summary of investment securities that have been in a continuous unrealized loss position is as follows:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><u>As of June 30, 2016</u></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Less than 12 Months</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">12 Months or Longer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr style="height: 16px;"><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 11.4pt; margin-right: 2.25pt; text-indent: -13.5pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr style="height: 14px;"><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">Available-for-Sale Portfolio:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Obligations of state and political subdivisions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">842</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">842</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,128</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,688</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">278</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24,816</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">287</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Corporate debt securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,000</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,000</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; text-indent: -13.5pt;">&#160;Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr style="height: 15px;"><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; text-indent: -13.5pt;">&#160;Marketable equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">79</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">21</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">79</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">21</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;&#160;&#160;&#160;Total available-for-sale investment portfolio</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,049</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">31</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,691</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">278</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">28,740</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">309</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; display: block; text-indent: 0pt;"><u>As of December 31, 2015</u></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Less than 12 Months</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">12 Months or Longer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 11.4pt; margin-right: 2.25pt; text-indent: -13.5pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">Available-for-Sale Portfolio:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;U.S. Treasury and agency obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">353,844</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,027</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">353,844</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,027</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Obligations of state and political subdivisions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,804</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">34</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">735</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">25</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,539</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">59</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24,178</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">30,103</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,100</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">36</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">54,281</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,261</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Corporate debt securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,024</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,710</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,734</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; text-indent: -13.5pt;">&#160;Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; text-indent: -13.5pt;">&#160;Marketable equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">87</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">87</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;&#160;&#160;&#160;Total available-for-sale investment portfolio</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">389,937</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,236</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">33,551</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,183</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">70</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">423,488</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,419</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The unrealized losses reported pertaining to securities issued by the U.S. government and its sponsored entities, include treasuries, agencies, and mortgage-backed securities issued by the Government National Mortgage Association ("GNMA"), the Federal National Mortgage Association ("FNMA"), and the Federal Home Loan Corporation ("FHLMC"), which are currently rated AAA by Moody's Investor Services, AA+ by Standard &amp; Poor's and are guaranteed by the U.S. government. The majority of the obligations of state and political subdivisions and corporations carry a credit rating of A or better.&#160; Additionally, a majority of the obligations of state and political subdivisions carry a secondary level of credit enhancement. The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to recovery of the amortized cost. The unrealized losses in the portfolios are primarily attributable to changes in interest rates.&#160; As such, management does not believe any individual unrealized loss as of June 30, 2016 represents OTTI.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The amortized cost and estimated fair value of debt securities at June 30, 2016, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.&#160; Securities not due at a single maturity date are shown separately.</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Available-for-Sale</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Due in one year or less</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,761</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">47,048</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Due after one through five years</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">775,417</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">815,276</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Due after five years through ten years</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,465,017</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,564,831</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Due after ten years</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">211,589</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">227,650</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Subtotal</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,498,784</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,654,805</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">215,191</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">223,139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,006</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,502</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,724,981</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,889,446</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The amortized cost and estimated fair value of debt securities at June 30, 2016, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.&#160; Securities not due at a single maturity date are shown separately.</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Available-for-Sale</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Due in one year or less</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,761</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">47,048</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Due after one through five years</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">775,417</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">815,276</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Due after five years through ten years</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,465,017</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,564,831</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Due after ten years</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">211,589</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">227,650</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Subtotal</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,498,784</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,654,805</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">215,191</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">223,139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,006</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,502</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,724,981</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,889,446</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> 102158000 102146000 31010000 37950000 62039000 77088000 7505182000 7412022000 8742111000 8552669000 700000 45401000 46526000 196000 2879000 12334000 11544000 10198000 15749000 16695000 11246000 2383000 15787000 10286000 45596000 2580000 2666000 12422000 45341000 168000 2701000 1201000 2663000 1767000 173000 3083000 10233000 15405000 879000 2875000 85000 45005000 10148000 2997000 850000 139000 15353000 13215000 9853000 2500000 11602000 10192000 45282000 93000 16949000 2374000 3020000 2991000 2677000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Allowance for Loan Losses</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Management continually evaluates the credit quality of the Company's loan portfolio, and performs a formal review of the adequacy of the allowance for loan losses on a quarterly basis.&#160; The allowance reflects management's best estimate of probable losses inherent in the loan portfolio.&#160; Determination of the allowance is subjective in nature and requires significant estimates.&#160;&#160; The Company's allowance methodology consists of two broad components - general and specific loan loss allocations.</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The general loan loss allocation is composed of two calculations that are computed on five main loan segments:&#160; business lending; consumer direct; consumer indirect; home equity; and consumer mortgage.&#160; The first calculation is quantitative and determines an allowance level based on the latest 36 months of historical net charge-off data for each loan class (commercial loans exclude balances with specific loan loss allocations).&#160; The second calculation is qualitative and takes into consideration eight qualitative environmental factors:&#160; levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.&#160; &#160; A component of the qualitative calculation is the unallocated allowance for loan loss.&#160; The qualitative and quantitative calculations are added together to determine the general loan loss allocation.&#160; The specific loan loss allocation relates to individual commercial loans that are both greater than $0.5 million and in a nonaccruing status with respect to interest.&#160; Specific loan losses are based on discounted estimated cash flows, including any cash flows resulting from the conversion of collateral or collateral shortfalls.&#160; The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances and allowances needed for acquired loans to derive the total required allowance for loan losses to be reflected on the Consolidated Statement of Condition.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Loan losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance.&#160; A provision for loan losses is charged to operations based on management's periodic evaluation of factors previously mentioned.</div></div> 932000 514000 4858276000 4755974000 4801375000 4904802000 1769754000 1536546000 1497271000 403514000 195959000 1779295000 935760000 399870000 195076000 993132000 183332000 1581458000 103269000 1290576000 890339000 188296000 263643000 36988000 12627000 45421000 300245000 4340060000 956144000 564742000 306449000 17025000 1233628000 245970000 4183721000 1603559000 617654000 178051000 175736000 93421000 16963000 188296000 1267738000 2140000 1790000 304480000 144775000 135172000 1082841000 20712000 12627000 956002000 45421000 351880000 318772000 280000 315805000 7299000 26000 183332000 77144000 1233628000 92995000 0 0 1603559000 17025000 1497271000 0 93421000 1581458000 2934994000 1269367000 60181000 20007000 15099000 186506000 1568653000 173243000 298105000 1969000 102000 7299000 7008000 166896000 0 0 1536546000 12639000 315000 890237000 890339000 14000 2493000 3049484000 12805000 17011000 102942000 45421000 300245000 92947000 1590920000 72283000 1048364000 124768000 0 1290576000 36988000 280000 956144000 14776000 142000 186526000 103269000 31724000 315000 0 52000 327000 354011000 219374000 7008000 306449000 2967000 474000 183306000 178051000 245970000 177999000 2131000 3034708000 263643000 2950093000 36988000 12627000 175736000 4808856000 4928960000 4858276000 4755974000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">NOTE E:&#160; LOANS</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The segments of the Company's loan portfolio are disaggregated into the following classes that allow management to monitor risk and performance:</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 11.4pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgages consist primarily of fixed rate residential instruments, typically 10 &#8211; 30 years in contractual term, secured by first liens on real property.</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 11.4pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending is comprised of general purpose commercial and industrial loans including, but not limited to, agricultural-related and dealer floor plans, as well as mortgages on commercial properties.</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 11.4pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect consists primarily of installment loans originated through selected dealerships and are secured by automobiles, marine and other recreational vehicles.</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 11.4pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct consists of all other loans to consumers such as personal installment loans and lines of credit.</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 11.4pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity products are consumer purpose installment loans or lines of credit most often secured by a first or second lien position on residential real estate with terms up to 30 years.</div></td></tr></table></div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The balances of these classes are summarized as follows:</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 64%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 12.25pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,779,295</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,769,754</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,536,546</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,497,271</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">993,132</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">935,760</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">195,959</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">195,076</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399,870</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">403,514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Gross loans, including deferred origination costs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,904,802</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,801,375</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Allowance for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(46,526</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(45,401</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Loans, net of allowance for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,858,276</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,755,974</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The outstanding balance related to credit impaired acquired loans was $8.1 million and $8.5 million at June 30, 2016 and December 31, 2015, respectively.&#160; The changes in the accretable discount related to the credit impaired acquired loans are as follows:</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 82%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 82%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Balance at December 31, 2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">810</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 82%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Accretion recognized, year-to-date</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(252</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 82%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net reclassification to accretable from non-accretable</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">116</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 82%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Balance at June 30, 2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">674</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><u>Credit Quality</u></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Management monitors the credit quality of its loan portfolio on an ongoing basis.&#160; Measurement of delinquency and past due status are based on the contractual terms of each loan.&#160; Past due loans are reviewed on a monthly basis to identify loans for non-accrual status.&#160; The following is an aged analysis of the Company's past due loans, by class as of June 30, 2016:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Legacy Loans </font>(excludes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">90+ Days Past</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">30 &#8211; 89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Due and</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Days</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Still Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Current</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,857</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,018</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,621</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">22,496</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,581,063</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,603,559</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">342</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,714</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,716</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,279,860</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,290,576</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,356</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">142</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,498</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">946,646</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">956,144</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,179</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,205</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">182,127</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">183,332</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">815</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,924</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,784</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">303,665</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">306,449</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26,867</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,573</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18,259</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,699</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,293,361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,340,060</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; margin-right: 12.25pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Acquired Loans </font>(includes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 22%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">90+ Days Past</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: left;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">30 &#8211; 89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Due and</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Days</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Still Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired<sup>(1)</sup></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Current</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,565</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">270</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,223</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,058</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">171,678</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">175,736</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">340</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,260</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,600</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,008</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">237,362</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">245,970</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">168</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">168</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">36,820</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">36,988</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">84</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">84</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,543</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,627</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">684</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">66</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">408</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,158</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">92,263</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">93,421</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,841</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">336</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,891</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,068</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,008</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">550,666</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">564,742</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /> &#160; </div><div style="font-size: 8pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 9.1pt; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="font-size: 8pt; width: 3%; vertical-align: top; text-align: center;"><div><sup>(1)</sup></div></td><td style="width: 97%; vertical-align: top; text-align: center;"><div style="font-size: 8pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 9.1pt;"><font style="font-size: 8pt; font-family: 'Times New Roman', serif;">Acquired impaired loans were not</font> classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.&#160; As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.</div></td></tr></table></div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following is an aged analysis of the Company's past due loans by class as of December 31, 2015:</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Legacy Loans </font>(excludes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">90+ Days Past</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: left;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">30 &#8211; 89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Due and</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Days</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Still Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Current</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,482</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,411</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,394</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,287</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,558,171</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,581,458</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr style="height: 17px;"><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,442</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">126</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,381</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,949</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,223,679</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,233,628</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,575</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,677</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">878,662</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">890,339</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,414</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">51</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,466</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">176,585</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">178,051</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,093</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">111</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,029</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,233</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">297,012</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">300,245</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">29,006</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,801</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18,805</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">49,612</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,134,109</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,183,721</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; margin-right: 12.25pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Acquired Loans </font>(includes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 19%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">90+ Days Past</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: left;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">30 &#8211; 89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Due and</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Days</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Still Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired<sup>(1)</sup></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Current</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,373</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">394</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,396</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,163</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">185,133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">188,296</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">535</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,186</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,721</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,299</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">254,623</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">263,643</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">245</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">245</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,176</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,421</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">140</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">154</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,871</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,025</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">636</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">327</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">963</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102,306</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">103,269</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,929</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">394</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,923</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,246</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,299</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">604,109</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">617,654</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;">&#160;</div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;">&#160;</div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 3%; vertical-align: top; text-align: center;"><div><sup>(1)</sup></div></td><td style="font-size: 8pt; font-family: 'Times New Roman', Times, serif; width: 97%;"><div>Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.&#160; As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.</div></td></tr></table></div><div style="clear: both; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; display: block; text-indent: 0pt;">The Company uses several credit quality indicators to assess credit risk in an ongoing manner.&#160; The Company's primary credit quality indicator for its business lending portfolio is an internal credit risk rating system that categorizes loans as "pass", "special mention",&#160; "classified", or "doubtful".&#160; Credit risk ratings are applied individually to those classes of loans that have significant or unique credit characteristics that benefit from a case-by-case evaluation.&#160; In general, the following are the definitions of the Company's credit quality indicators:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 15%;"><div>Pass</div><div>&#160;</div></td><td style="width: 85%;"><div>The condition of the borrower and the performance of the loans are satisfactory or better.</div><div>&#160;</div></td></tr><tr><td style="width: 15%;"><div>Special Mention</div><div>&#160;</div></td><td style="width: 85%;"><div>The condition of the borrower has deteriorated although the loan performs as agreed.</div><div>&#160;</div></td></tr><tr><td style="width: 15%;"><div>Classified</div><div>&#160;</div></td><td style="width: 85%;"><div>The condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate, if deficiencies are not corrected.</div><div>&#160;</div></td></tr><tr><td style="width: 15%;"><div>Doubtful</div></td><td style="width: 85%;"><div>The condition of the borrower has deteriorated to the point that collection of the balance is improbable based on current facts and conditions.</div></td></tr></table></div><div style="text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following table shows the amount of business lending loans by credit quality category:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Legacy</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Legacy</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Pass</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,082,841</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">186,526</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,269,367</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,048,364</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">219,374</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,267,738</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Special mention</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">135,172</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">31,724</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">166,896</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">124,768</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20,007</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">144,775</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Classified</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">72,283</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20,712</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">92,995</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">60,181</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,963</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">77,144</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Doubtful</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">280</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">280</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">315</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">315</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Acquired impaired</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,008</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,008</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,299</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,299</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,290,576</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.09%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">245,970</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,536,546</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,233,628</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">263,643</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,497,271</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 9.1pt; text-indent: 0pt;">&#160;</div><div style="text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">All other loans are underwritten and structured using standardized criteria and characteristics, primarily payment performance, and are normally risk rated and monitored collectively on a monthly basis.&#160; These are typically loans to individuals in the consumer categories and are delineated as either performing or nonperforming.&#160;&#160; Performing loans include loans classified as current as well as those classified as 30 - 89 days past due.&#160; Nonperforming loans include 90+ days past due and still accruing and nonaccrual loans. The following table details the balances in all other loan categories at June 30, 2016:</div><div style="line-height: 6.85pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Legacy Loans</font> (excludes loans acquired after January 1, 2009)</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;</div></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Performing</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,590,920</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">956,002</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">183,306</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">304,480</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,034,708</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Nonperforming</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,639</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">142</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,969</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14,776</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,603,559</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">956,144</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">183,332</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">306,449</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,049,484</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 5.7pt; text-indent: 0pt;"><br style="line-height: 5.7pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Acquired Loans</font> (includes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 5.7pt; text-indent: 0pt;"><br style="line-height: 5.7pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Performing</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">173,243</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">36,988</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,627</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">92,947</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">315,805</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Nonperforming</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,493</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">474</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,967</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">175,736</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">36,988</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,627</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">93,421</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">318,772</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 5.7pt; text-indent: 0pt;"><br style="line-height: 5.7pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following table details the balances in all other loan categories at December 31, 2015:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Legacy Loans</font> (excludes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 5.7pt; text-indent: 0pt;"><br style="line-height: 5.7pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Performing</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,568,653</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">890,237</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">177,999</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">298,105</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,934,994</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Nonperforming</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,805</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">52</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,140</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,099</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,581,458</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">890,339</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">178,051</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">300,245</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,950,093</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Acquired Loans</font> (includes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 5.7pt; text-indent: 0pt;"><br style="line-height: 5.7pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Performing</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">186,506</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,421</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,011</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102,942</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">351,880</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Nonperforming</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,790</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">327</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,131</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">188,296</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,421</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,025</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">103,269</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">354,011</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">All loan classes are collectively evaluated for impairment except business lending, as described in Note C.&#160; A summary of individually evaluated impaired loans as of June 30, 2016 and December 31, 2015 follows:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 40%;"><tr><td valign="bottom" style="width: 54%; vertical-align: top;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Loans with allowance allocation</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,187</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Loans without allowance allocation</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">601</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,376</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Unpaid principal balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,788</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,376</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Contractual balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,401</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,419</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: top; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Allowance for loan loss allocated</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">255</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans.&#160; In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan.&#160; Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring ("TDR") has occurred, which is when, for economic or legal reasons related to a borrower's financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider.&#160; Terms may be modified to fit the ability of the borrower to repay in line with its current financial standing and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In accordance with the clarified guidance issued by the Office of the Comptroller of the Currency ("OCC"), loans that have been discharged in Chapter 7 bankruptcy but not reaffirmed by the borrower, are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified.&#160; The Company's lien position against the underlying collateral remains unchanged.&#160; Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral.&#160; The amount of loss incurred in the three and six months ended June 30, 2016 and 2015 was immaterial.</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">TDRs that are less than $0.5 million are collectively included in the general loan loss allocation and the qualitative review.&#160; TDRs that are commercial loans and greater than $0.5 million are individually evaluated for impairment, and if necessary, a specific allocation of the allowance for loan losses is provided.&#160; As a result, the determination of the amount of allowance for loan losses related to TDRs is the same as detailed in the critical accounting policies.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Information regarding TDRs as of June 30, 2016 and December 31, 2015 is as follows:</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="22" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="22" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">43</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,979</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">44</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,227</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">87</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,206</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,472</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">54</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,486</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">91</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,958</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">234</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">708</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">942</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">217</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">737</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">954</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">83</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">806</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">83</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">806</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">77</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">691</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">77</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">691</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">71</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">71</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">32</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">32</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">240</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">261</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">501</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">203</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">301</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">504</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">67</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,453</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">154</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,073</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">221</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,526</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">55</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,892</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">183</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,252</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">238</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,144</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following table presents information related to loans modified in a TDR during the three months and six months ended June 30, 2016 and 2015.&#160; Of the loans noted in the table below, all loans for the three months and six months ended June 30, 2016 and 2015 were modified due to a Chapter 7 bankruptcy as described previously.&#160; The financial effects of these restructurings were immaterial.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Number of loans modified</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Outstanding Balance</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Number of loans modified</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Outstanding Balance</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">437</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">61</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr style="height: 20px;"><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">51</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">118</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">84</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">52</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">73</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr style="height: 22px;"><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">731</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">146</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Number of loans modified</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Outstanding Balance</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Number of loans modified</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Outstanding Balance</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">652</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">280</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">51</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">331</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">163</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">52</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">73</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">35</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,159</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">21</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">461</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><u>Allowance for Loan Losses</u></div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The allowance for loan losses is general in nature and is available to absorb losses from any loan type despite the analysis below.&#160; The following presents by class the activity in the allowance for loan losses:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif;">Three Months Ended </font>June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Business</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Lending</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Beginning balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,148</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,695</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,334</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,875</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,580</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">879</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">85</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,596</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Charge-offs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(156</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(770</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,545</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(389</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(80</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(2,966</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Recoveries</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">38</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">156</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,140</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">238</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,591</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(177</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">868</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,286</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">296</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(29</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">80</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,305</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,853</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,949</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">13,215</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,020</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,500</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">850</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,526</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div>&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 20%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif;">Three Months Ended </font>June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Business</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Lending</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Beginning balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,233</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,405</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,246</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,879</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,663</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,383</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">196</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,005</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Charge-offs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(199</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(299</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,397</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(294</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(56</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(43</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(2,288</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Recoveries</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">527</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,184</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">199</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,974</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">113</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(280</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">569</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">207</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">51</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(60</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">591</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,192</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,353</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,602</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,991</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,677</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,374</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">93</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,282</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif;">Six Months Ended </font>June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Business</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Lending</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Beginning balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,198</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,749</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,422</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,997</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,666</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,201</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">168</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,401</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Charge-offs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(243</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(979</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(3,401</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(852</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(137</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(5,638</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Recoveries</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">83</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">291</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,255</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">460</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">28</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(185</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,888</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,939</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">415</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(57</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(351</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,646</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,853</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,949</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">13,215</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,020</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,500</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">850</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,526</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="30" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif;">Six Months Ended </font>June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Business</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consumer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Home</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Mortgage</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Lending</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Indirect</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Direct</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Equity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Beginning balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,286</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,787</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,544</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,083</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,701</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,767</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">173</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,341</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Charge-offs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(642</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(433</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(2,823</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(639</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(122</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(43</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(4,702</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Recoveries</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">66</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">608</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,337</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">392</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,429</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">482</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(609</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">544</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">155</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">72</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">607</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,214</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,192</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15,353</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,602</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,991</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,677</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,374</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">93</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,282</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> 0 1000000 514000 514000 0 0 932000 932000 0 0 -92994000 -406339000 33686000 357010000 67732000 53980000 8424000 4651000 46137000 25857000 50260000 23840000 50260000 45960000 50018000 23741000 25706000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">New Accounting Pronouncements</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In May 2014, the FASB issued ASU No. 2014-09, <font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606)</font>.&#160; This new guidance supersedes the revenue recognition requirements in ASC 605, Revenue Recognition, and is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects consideration to which the entity expects to be entitled in exchange for those goods and services. The ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract.&#160; This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2017.&#160; The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: Times, serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In January 2016, the FASB issued ASU&#160;2016-1, <font style="font-size: 10pt; font-family: Times, serif; font-style: italic;">Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.</font> This guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The primary focus of this guidance is to supersede the guidance to classify equity securities with readily determinable fair values into different categories (trading or available-for-sale) and requires equity securities to be measured at fair value with changes in the fair value recognized through net income. This guidance requires adoption through a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption.&#160; This ASU&#160;is effective for fiscal years beginning after December&#160;15, 2017, including interim periods within those fiscal years.&#160; Early adoption is permitted for all companies in any interim or annual period. <font style="font-size: 10pt; font-family: 'Times New Roman', serif;">The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.</font></div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In February 2016, the FASB issued ASU 2016-02, <font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic;">Leases (Topic 842)</font>. This new guidance supersedes the lease requirements in <font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic;">Topic 840, Leases</font> and is based on the principle that a lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term.&#160; The accounting applied by a lessor is largely unchanged from that applied under the previous guidance.&#160; In addition, the guidance requires an entity to separate the lease components from the nonlease components in a contract.&#160; The ASU requires disclosures about the amount, timing, and judgments related to a reporting entity's accounting for leases and related cash flows.&#160; The standard is required to be applied to all leases in existence as of the date of adoption using a modified retrospective transition approach.&#160; This guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early adoption is permitted for all companies in any interim or annual period.&#160; The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In March 2016, the FASB issued ASU 2016-09, <font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic;">Compensation &#8211; Stock Compensation (Topic 718)</font>.&#160; The amendments simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities and classification on the statement of cash flows.&#160; The new guidance requires all excess tax benefits and tax deficiencies be recognized as income tax expense or benefit in the income statement.&#160; The tax effects of exercised or vested awards should be treated as discrete items in the reporting period in which they occur. This guidance requires certain amendments to be applied through a cumulative-effect adjustment to equity as of the beginning of the fiscal period in which the guidance is adopted while other amendments are required to be applied retrospectively or prospectively.&#160; This ASU is effective for fiscal periods beginning after December 15, 2016, and interim periods within those annual periods.&#160; Early adoption is permitted for any entity in any interim or annual period.&#160;&#160; The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In June 2016, the FASB issued ASU No. 2016-13, <font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic;">Financial Instruments &#8211; Credit Losses (Topic 326)</font>.&#160; This new guidance significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income.&#160; This ASU will replace the "incurred loss" model under existing guidance with an "expected loss" model for instruments measured at amortized cost, and require entities to record allowances for available-for-sale debt securities rather than reduce the carrying amount, as they do today under the other-than-temporary impairment model.&#160; This ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans.&#160; This guidance requires adoption through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is adopted.&#160; This ASU is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years.&#160; Early adoption is permitted for all companies as of fiscal years beginning after December 15, 2018, including interim periods within those fiscal years.&#160; The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.</div></div> 241000 0 1499616000 1546253000 29719000 38772000 58765000 77053000 27534000 -1161000 16594000 4576000 14009000 -595000 22959000 24457000 11606000 12067000 -472000 31907000 10706000 21850000 9208000 -936000 6844000 7409000 15072000 14239000 56048000 66356000 134025000 111996000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">NOTE A:&#160; BASIS OF PRESENTATION</div><div style="display: block; line-height: 8pt; text-indent: 0pt;"><br style="line-height: 8pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The interim financial data as of and for the three and six months ended June 30, 2016 is unaudited; however, in the opinion of Community Bank System, Inc. (the "Company"), the interim data includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for the interim periods in conformity with generally accepted accounting principles ("GAAP").&#160; The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period.</div></div> -16000 -13000 -33000 -25000 -144000 -140000 -288000 -281000 -21000 -27000 -52000 -42000 -363000 -376000 -727000 -751000 -43000 -34000 -85000 -67000 -223000 -232000 -463000 -446000 170129000 167903000 12003000 -19129000 -5756000 37417000 19537000 -30460000 61379000 -12444000 -49589000 31540000 98796000 -18200000 -1161000 -595000 55168000 131180000 64953000 9432000 47615000 3290000 18879000 17408000 17317000 -936000 96145000 43393000 110197000 8501000 6513000 8957000 87212000 -472000 39827000 41438000 16050000 17732000 19317000 19780000 3926000 4460000 17732000 19780000 16050000 39827000 19317000 4460000 41438000 3926000 3657000 3100000 7186000 6441000 -30460000 19537000 -12444000 61379000 -196000 -211000 -421000 -394000 19748000 61800000 -30264000 -12050000 61800000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>The following is an aged analysis of the Company's past due loans, by class as of June 30, 2016:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Legacy Loans </font>(excludes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">90+ Days Past</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">30 &#8211; 89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Due and</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Days</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Still Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Current</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,857</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,018</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,621</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">22,496</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,581,063</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,603,559</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">342</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,714</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,716</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,279,860</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,290,576</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,356</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">142</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,498</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">946,646</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">956,144</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,179</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,205</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">182,127</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">183,332</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">815</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,924</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,784</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">303,665</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">306,449</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26,867</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,573</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18,259</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,699</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,293,361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,340,060</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; margin-right: 12.25pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Acquired Loans </font>(includes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 22%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">90+ Days Past</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: left;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">30 &#8211; 89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Due and</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Days</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Still Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired<sup>(1)</sup></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Current</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,565</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">270</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,223</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,058</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">171,678</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">175,736</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">340</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,260</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,600</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,008</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">237,362</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">245,970</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">168</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">168</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">36,820</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">36,988</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">84</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">84</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,543</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,627</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">684</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">66</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">408</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,158</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">92,263</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">93,421</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 22%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,841</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">336</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,891</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,068</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,008</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">550,666</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">564,742</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /> &#160; </div><div style="font-size: 8pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 9.1pt; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="font-size: 8pt; width: 3%; vertical-align: top; text-align: center;"><div><sup>(1)</sup></div></td><td style="width: 97%; vertical-align: top; text-align: center;"><div style="font-size: 8pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 9.1pt;"><font style="font-size: 8pt; font-family: 'Times New Roman', serif;">Acquired impaired loans were not</font> classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.&#160; As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.</div></td></tr></table></div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following is an aged analysis of the Company's past due loans by class as of December 31, 2015:</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Legacy Loans </font>(excludes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">90+ Days Past</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: left;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">30 &#8211; 89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Due and</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Days</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Still Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Current</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,482</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,411</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,394</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,287</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,558,171</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,581,458</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr style="height: 17px;"><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,442</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">126</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,381</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,949</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,223,679</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,233,628</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,575</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,677</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">878,662</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">890,339</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,414</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">51</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,466</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">176,585</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">178,051</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,093</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">111</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,029</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,233</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">297,012</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">300,245</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">29,006</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,801</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18,805</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">49,612</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,134,109</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,183,721</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; margin-right: 12.25pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold;">Acquired Loans </font>(includes loans acquired after January 1, 2009)</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 19%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">90+ Days Past</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: left;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">30 &#8211; 89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Due and</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Days</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Still Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired<sup>(1)</sup></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Current</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,373</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">394</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,396</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,163</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">185,133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">188,296</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">535</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,186</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,721</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,299</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">254,623</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">263,643</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">245</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">245</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,176</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,421</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">140</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">154</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,871</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,025</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">636</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">327</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">963</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102,306</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">103,269</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 19%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,929</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">394</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,923</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,246</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,299</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">604,109</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">617,654</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;">&#160;</div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;">&#160;</div><div style="clear: both; display: block; line-height: 6.85pt; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 3%; vertical-align: top; text-align: center;"><div><sup>(1)</sup></div></td><td style="font-size: 8pt; font-family: 'Times New Roman', Times, serif; width: 97%;"><div>Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.&#160; As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.</div></td></tr></table></div></div> 31173000 108983000 448747000 28237000 575000 56266000 0 100000 0 575000 158468000 575000 9125000 716000 27216000 24360000 4612000 10312000 5810000 5569000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Retirement Benefits</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.&#160; The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees, officers, and directors.&#160; Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including discount rate, rate of future compensation increases, and expected return on plan assets.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">NOTE H:&#160; BENEFIT PLANS</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company provides a qualified defined benefit pension to eligible employees and retirees, other post-retirement health and life insurance benefits to certain retirees, an unfunded supplemental pension plan for certain key executives, and an unfunded stock balance plan for certain of its nonemployee directors.&#160; The Company accrues for the estimated cost of these benefits through charges to expense during the years that employees earn these benefits.&#160; No contributions to the defined benefit pension plan are required or planned for 2016.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The net periodic benefit cost for the three and six months ended June 30, 2016 and 2015 is as follows:</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Post-retirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="width: 142px; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="width: 142px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="width: 64px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="width: 64px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Service cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,027</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">831</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.05%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5.95%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,052</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,662</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Interest cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,406</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,375</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.05%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5.95%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,812</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,749</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">22</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">41</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">43</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Expected return on plan assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(2,961</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(3,042</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.05%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5.95%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(5,921</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(6,085</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of unrecognized net loss</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">377</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">366</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.05%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5.95%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">754</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">733</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(6</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of prior service cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.05%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5.95%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">22</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(45</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(45</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="border-top: #000000 2px solid; width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net periodic benefit cost</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(140</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(468</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1.28%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1.05%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 5.95%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(281</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(937</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(26</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(26</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1.28%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1.52%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(51</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1.4%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1.52%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(52</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr></table></div></div> 0 0 500000 500000 1.00 1.00 0 0 -33700000 228200000 89631000 49500000 172000 3001000 5613000 3882000 4063000 6128000 1857000 1642000 3388000 4374000 112803000 114434000 591000 2305000 1214000 3646000 1286000 569000 -57000 868000 -609000 482000 -3000 -60000 -19000 1939000 607000 415000 -177000 -351000 80000 -9000 296000 51000 113000 544000 -29000 -185000 -280000 72000 207000 155000 1888000 -37000 2305000 0 0 0 0 1214000 0 591000 0 0 0 0 0 0 0 3646000 566591000 589559000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 20%;"><tr><td colspan="4" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">(000's omitted)</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">Jul - Dec 2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 45%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,634</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">2017</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 45%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,412</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">2018</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 45%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,566</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">2019</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 45%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,782</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">2020</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 45%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,119</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">Thereafter</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 45%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,823</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt; margin-right: 5.55pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 45%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18,336</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following is a reconciliation of basic to diluted earnings per share for the three and six months ended June 30<font style="font-size: 10pt; font-family: 'Times New Roman', serif;">, 2016</font> and 2015:</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 56%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted, except per share data)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">25,857</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,840</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">50,260</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,137</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income attributable to unvested stock-based compensation awards</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(151</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(99</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(242</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(177</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income available to common shareholders</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">25,706</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,741</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">50,018</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,960</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Weighted-average common shares outstanding &#8211; basic</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">44,021</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">40,690</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">43,942</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">40,674</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Basic earnings per share</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0.58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0.58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1.14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1.13</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">25,857</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,840</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">50,260</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46,137</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income attributable to unvested stock-based compensation awards</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(151</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(99</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(242</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(177</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income available to common shareholders</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">25,706</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,741</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">50,018</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">45,960</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Weighted-average common shares outstanding &#8211; basic</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">44,021</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">40,690</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">43,942</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">40,674</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Assumed exercise of stock options</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">357</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">404</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">347</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">405</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Weighted-average common shares outstanding &#8211; diluted</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">44,378</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">41,094</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">44,289</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">41,079</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: middle; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Diluted earnings per share</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0.58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0.58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1.13</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1.12</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="clear: both; display: block; line-height: 12pt; text-indent: 0pt; font-size: 10pt; font-family: 'Times New Roman'; text-align: left;">A financial instrument&#8217;s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.&#160; The following tables set forth the Company&#8217;s financial assets and liabilities that were accounted for at fair value on a recurring basis.&#160; There were no transfers between any of the levels for the periods presented.</div><div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: 10pt 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -9pt;">Available-for-sale investment securities:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">U.S. Treasury and agency securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,992,657</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,992,657</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Obligations of state and political subdivisions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">645,488</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">645,488</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">223,139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">223,139</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Corporate debt securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,502</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,502</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Marketable equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">417</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">417</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">&#160;&#160;&#160;&#160;Total available-for-sale investment securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,993,074</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">896,789</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,889,863</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">Mortgage loans held for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -9pt;">Commitments to originate real estate loans for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">Forward sales commitments</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(78</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(78</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">&#160;&#160;Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,993,074</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">897,225</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">361</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,890,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="clear: both; display: block; line-height: 13.1pt; text-indent: 0pt;"><br style="line-height: 13.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 11.4pt;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -9pt;">Available-for-sale investment securities:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">U.S. Treasury and agency securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,899,978</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,899,978</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Obligations of state and political subdivisions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">666,883</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">666,883</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">210,865</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">210,865</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Corporate debt securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,680</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,680</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">13,308</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">13,308</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -4.5pt;">Marketable equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">&#160;&#160;&#160;&#160;Total available-for-sale investment securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,900,377</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">907,736</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,808,113</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">Mortgage loans held for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">932</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">932</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -9pt;">Commitments to originate real estate loans for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 4.5pt;">Forward sales commitments</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 56%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; margin-right: 4.5pt; text-indent: -9pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,900,377</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">908,631</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,809,125</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The net periodic benefit cost for the three and six months ended June 30, 2016 and 2015 is as follows:</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Post-retirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="width: 142px; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="width: 142px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="width: 64px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="width: 64px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Service cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,027</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">831</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.05%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5.95%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,052</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,662</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Interest cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,406</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,375</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.05%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5.95%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,812</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,749</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">22</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">41</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">43</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Expected return on plan assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(2,961</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(3,042</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.05%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5.95%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(5,921</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(6,085</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of unrecognized net loss</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">377</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">366</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.05%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5.95%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">754</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">733</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(6</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of prior service cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.05%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5.95%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">22</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(45</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(45</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.28%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1.4%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1.52%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="border-top: #000000 2px solid; width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net periodic benefit cost</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(140</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(468</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1.28%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1.05%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 5.95%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(281</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(937</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(26</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(26</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1.28%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1.52%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(51</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1.4%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1.52%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(52</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following table summarizes the estimated fair value of the assets acquired and liabilities assumed after considering the measurement period adjustments described above:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000s omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consideration paid :</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Cash</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">575</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">56,266</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Community Bank System, Inc. common stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">102,202</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Total net consideration paid</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">575</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">158,468</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Recognized amounts of identifiable assets acquired and liabilities assumed:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Cash and cash equivalents</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">81,772</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Investment securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">225,729</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399,422</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Premises and equipment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">22,212</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Accrued interest receivable</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26,529</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Core deposit intangibles</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,570</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other intangibles</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">288</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,994</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Deposits</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(699,241</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other liabilities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,333</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="border-top: #000000 2px solid; width: 70%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Total identifiable assets, net</div></td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">288</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">68,787</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 70%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Goodwill</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">287</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">89,681</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: justify; display: block; line-height: 11.4pt; text-indent: 0pt;">The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows:</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 34%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Net</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Net</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Accumulated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Accumulated</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amortization</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amortization</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">Amortizing intangible assets:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Core deposit intangibles</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">39,688</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(31,309</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,379</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">39,688</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(29,899</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,789</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Other intangibles</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,852</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(7,895</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,957</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,565</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(6,460</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,105</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 34%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;Total amortizing intangibles</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">57,540</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(39,204</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18,336</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">57,253</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(36,359</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 8%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20,894</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">A summary of investment securities that have been in a continuous unrealized loss position is as follows:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;"><u>As of June 30, 2016</u></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Less than 12 Months</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">12 Months or Longer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr style="height: 16px;"><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 11.4pt; margin-right: 2.25pt; text-indent: -13.5pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr style="height: 14px;"><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">Available-for-Sale Portfolio:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Obligations of state and political subdivisions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">842</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">842</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,128</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,688</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">278</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24,816</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">287</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Corporate debt securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,000</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,000</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; text-indent: -13.5pt;">&#160;Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr style="height: 15px;"><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; text-indent: -13.5pt;">&#160;Marketable equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">79</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">21</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">79</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">21</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;&#160;&#160;&#160;Total available-for-sale investment portfolio</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,049</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">31</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">23,691</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">278</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">28,740</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">309</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; display: block; text-indent: 0pt;"><u>As of December 31, 2015</u></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Less than 12 Months</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">12 Months or Longer</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 11.4pt; margin-right: 2.25pt; text-indent: -13.5pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt; text-indent: 3pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">#</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">Available-for-Sale Portfolio:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;U.S. Treasury and agency obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">353,844</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,027</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">353,844</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,027</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Obligations of state and political subdivisions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,804</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">34</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">735</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">25</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,539</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">59</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24,178</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">30,103</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,100</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">36</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">54,281</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,261</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;Corporate debt securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,024</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,710</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,734</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">58</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; text-indent: -13.5pt;">&#160;Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; text-indent: -13.5pt;">&#160;Marketable equity securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">87</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: Palatino, 'Book Antiqua', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">87</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 10.25pt; margin-right: 2.25pt; text-indent: -13.5pt;">&#160;&#160;&#160;&#160;Total available-for-sale investment portfolio</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">46</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">389,937</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,236</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">33,551</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,183</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">70</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">423,488</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 3%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,419</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Shown below are the components of the Company's goodwill at December 31, 2015 and June 30, 2016:</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 50%;"><tr><td valign="bottom" style="width: 36%; vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Activity</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: top; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 36%; vertical-align: top; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Goodwill</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">468,076</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,890</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">469,966</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 36%; vertical-align: top; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Accumulated impairment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(4,824</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(4,824</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 36%; vertical-align: top; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Goodwill, net</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">463,252</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,890</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">465,142</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Information about reportable segments and reconciliation of the information to the consolidated financial statements follows:</div><div style="display: block; line-height: 12pt; text-indent: 0pt;"><br style="line-height: 12pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Banking</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Employee </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Benefit Services</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">All Other</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Eliminations</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consolidated Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Three Months Ended June 30, 2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">68,220</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">38</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">48</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">68,306</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,305</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,305</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">Noninterest revenues</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,594</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,067</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,706</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(595</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">38,772</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">691</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">114</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">598</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,403</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other operating expenses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">47,615</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,432</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,501</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(595</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">64,953</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income before income taxes</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">34,203</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,559</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,655</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">38,417</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,675,329</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">34,814</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">68,945</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(36,977</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,742,111</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Goodwill</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">440,870</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,018</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,254</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">465,142</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Three Months Ended June 30, 2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">61,165</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">35</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">28</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">61,228</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">591</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">591</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">Noninterest revenues</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14,009</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,606</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,576</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(472</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">29,719</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">709</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">38</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">880</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other operating expenses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">43,393</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,957</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,290</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(472</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">55,168</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income before income taxes</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">30,481</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,551</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,276</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">34,308</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,882,898</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">33,609</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,047</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(24,783</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,908,771</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Goodwill</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">364,495</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,019</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">375,174</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Six Months Ended June 30, 2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">135,019</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">77</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">91</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">135,187</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,646</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,646</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">Noninterest revenues</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">31,907</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24,457</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">21,850</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">77,053</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,410</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">230</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,205</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,845</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other operating expenses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">96,145</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18,879</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,317</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">131,180</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income before income taxes</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">65,725</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,425</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,419</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">74,569</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Six Months Ended June 30, 2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">120,948</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">65</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">55</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">121,068</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,214</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,214</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">Noninterest revenues</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">27,534</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">22,959</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,208</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(936</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">58,765</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,448</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">266</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">85</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,799</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other operating expenses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">87,212</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,408</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,513</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(936</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">110,197</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income before income taxes</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">58,608</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,350</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,665</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">66,623</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The balances of these classes are summarized as follows:</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 64%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt; margin-right: 12.25pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,779,295</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,769,754</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,536,546</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,497,271</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">993,132</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">935,760</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">195,959</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">195,076</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399,870</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">403,514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Gross loans, including deferred origination costs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,904,802</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,801,375</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Allowance for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(46,526</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(45,401</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Loans, net of allowance for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,858,276</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,755,974</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">NOTE M:&#160; SEGMENT INFORMATION</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: justify; display: block; line-height: 12pt; text-indent: 0pt;">Operating segments are components of an enterprise, which are evaluated regularly by the "chief operating decision maker" in deciding how to allocate resources and assess performance.&#160; The Company's chief operating decision maker is the President and Chief Executive Officer of the Company. The Company has identified Banking and Employee Benefit Services as its reportable operating business segments.&#160; CBNA operates the Banking segment that provides full-service banking to consumers, businesses, and governmental units in northern, central, and western New York as well as northeastern Pennsylvania.&#160; Employee Benefit Services, which includes Benefit Plans Administrative Services LLC, BPAS Actuarial and Pension Services LLC (formerly Harbridge Consulting Group, LLC), and Hand Benefits &amp; Trust Company, provides employee benefit trust, collective investment fund, retirement plan administration, actuarial, VEBA/HRA, and health and welfare consulting services.&#160; The All Other segment is comprised of; (a) wealth management services including trust services provided by the personal trust unit within the Bank, broker-dealer and investment advisory services provided by Community Investment Services, Inc. ("CISI"), OWM, and the Carta Group, Inc., as well as asset management provided by Nottingham Advisors, Inc., and (b) full-service insurance, risk management and employee benefit services provided by OneGroup and CBNA Insurance.&#160; The accounting policies used in the disclosure of business segments are the same as those described in the summary of significant accounting policies (See Note A, <font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic;">Summary of Significant Accounting Policies</font> of the most recent Form 10-K for the year ended December 31, 2015 filed with the SEC on February 29, 2016).</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Information about reportable segments and reconciliation of the information to the consolidated financial statements follows:</div><div style="display: block; line-height: 12pt; text-indent: 0pt;"><br style="line-height: 12pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Banking</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Employee </div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Benefit Services</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">All Other</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Eliminations</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Consolidated Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Three Months Ended June 30, 2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">68,220</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">38</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">48</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">68,306</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,305</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,305</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">Noninterest revenues</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,594</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12,067</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10,706</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(595</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">38,772</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">691</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">114</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">598</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,403</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other operating expenses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">47,615</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,432</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,501</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(595</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">64,953</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income before income taxes</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">34,203</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,559</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,655</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">38,417</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,675,329</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">34,814</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">68,945</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(36,977</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,742,111</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Goodwill</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">440,870</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,018</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">16,254</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">465,142</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Three Months Ended June 30, 2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">61,165</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">35</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">28</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">61,228</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">591</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">591</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">Noninterest revenues</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14,009</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">11,606</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,576</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(472</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">29,719</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">709</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">38</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">880</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other operating expenses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">43,393</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,957</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,290</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(472</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">55,168</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income before income taxes</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">30,481</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,551</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,276</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">34,308</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,882,898</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">33,609</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,047</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="line-height: 11.4pt;">$&#160;</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(24,783</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">7,908,771</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Goodwill</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">364,495</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8,019</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,660</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">375,174</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Six Months Ended June 30, 2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">135,019</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">77</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">91</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">135,187</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,646</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,646</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">Noninterest revenues</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">31,907</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24,457</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">21,850</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">77,053</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,410</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">230</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,205</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,845</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other operating expenses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">96,145</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">18,879</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,317</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">131,180</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income before income taxes</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">65,725</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,425</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,419</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">74,569</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Six Months Ended June 30, 2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">120,948</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">65</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">55</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">121,068</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Provision for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,214</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,214</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 9pt; line-height: 11.4pt; text-indent: -9pt;">Noninterest revenues</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">27,534</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">22,959</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9,208</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(936</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">58,765</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Amortization of intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,448</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">266</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">85</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,799</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Other operating expenses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">87,212</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">17,408</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,513</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(936</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">110,197</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Income before income taxes</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">58,608</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,350</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,665</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 10%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">66,623</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> 0 0 0 0 0 0 638000 638000 2150000 2220000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 11.4pt; margin-right: 12.25pt; text-indent: 0pt;">NOTE C:&#160; ACCOUNTING POLICIES</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; margin-right: 12.25pt; text-indent: 0pt;">The accounting policies of the Company, as applied in the consolidated interim financial statements presented herein, are substantially the same as those followed on an annual basis as presented on pages 56 through 61 of the Annual Report on Form 10-K for the year ended December 31, 2015 filed with the Securities and Exchange Commission ("SEC") on February 29, 2016.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 11.4pt; margin-right: 12.25pt; text-indent: 0pt;">Critical Accounting Policies</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired Loans</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired loans are initially recorded at their acquisition date fair values.&#160; The carryover of allowance for loan losses is prohibited as any credit losses in the loans are included in the determination of the fair value of the loans at the acquisition date. Fair values for acquired loans are based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired Impaired Loans</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments are accounted for as impaired loans under Accounting Standards Codification ("ASC") 310-30.&#160; The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loans using the interest method. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount. The non-accretable discount represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired loans that met the criteria for non-accrual of interest prior to acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, the Company may no longer consider the loans to be non-accrual or non-performing and may accrue interest on these loans, including the impact of any accretable discount.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired Non-impaired Loans</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired loans that do not meet the requirements under ASC 310-30 are considered acquired non-impaired loans. The difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Fair value adjustments may be discounts (or premiums) to a loan's cost basis and are accreted (or amortized) to net interest income (or expense) over the loan's remaining life in accordance with ASC 310-20. Fair value adjustments for revolving loans are accreted (or amortized) using a straight line method. Term loans are accreted (or amortized) using the constant effective yield method.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans are consistent with the policy described below.&#160; However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.&#160; The carrying value represents the net of the loan's unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.&#160; When the carrying value exceeds the net realizable value, an allowance for loan loss is recognized.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Allowance for Loan Losses</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Management continually evaluates the credit quality of the Company's loan portfolio, and performs a formal review of the adequacy of the allowance for loan losses on a quarterly basis.&#160; The allowance reflects management's best estimate of probable losses inherent in the loan portfolio.&#160; Determination of the allowance is subjective in nature and requires significant estimates.&#160;&#160; The Company's allowance methodology consists of two broad components - general and specific loan loss allocations.</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The general loan loss allocation is composed of two calculations that are computed on five main loan segments:&#160; business lending; consumer direct; consumer indirect; home equity; and consumer mortgage.&#160; The first calculation is quantitative and determines an allowance level based on the latest 36 months of historical net charge-off data for each loan class (commercial loans exclude balances with specific loan loss allocations).&#160; The second calculation is qualitative and takes into consideration eight qualitative environmental factors:&#160; levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.&#160; &#160; A component of the qualitative calculation is the unallocated allowance for loan loss.&#160; The qualitative and quantitative calculations are added together to determine the general loan loss allocation.&#160; The specific loan loss allocation relates to individual commercial loans that are both greater than $0.5 million and in a nonaccruing status with respect to interest.&#160; Specific loan losses are based on discounted estimated cash flows, including any cash flows resulting from the conversion of collateral or collateral shortfalls.&#160; The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances and allowances needed for acquired loans to derive the total required allowance for loan losses to be reflected on the Consolidated Statement of Condition.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Loan losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance.&#160; A provision for loan losses is charged to operations based on management's periodic evaluation of factors previously mentioned.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Investment Securities</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company can classify its investments in debt and equity securities as held-to-maturity, available-for-sale, or trading.&#160; Held-to-maturity securities are those for which the Company has the positive intent and ability to hold until maturity, and are reported at cost, which is adjusted for amortization of premiums and accretion of discounts.&#160; Securities classified as available-for-sale are reported at fair value with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of applicable income taxes.&#160; None of the Company's investment securities have been classified as trading securities at June 30, 2016.&#160; Certain equity securities are stated at cost and include restricted stock of the Federal Reserve Bank of New York ("Federal Reserve") and Federal Home Loan Bank of New York ("FHLB").</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Fair values for investment securities are based upon quoted market prices, where available.&#160; If quoted market prices are not available, fair values are based upon quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company conducts an assessment of all securities in an unrealized loss<font style="font-size: 12pt; font-family: 'Times New Roman', serif;">&#160;</font>position to determine if other-than-temporary impairment ("OTTI") exists on a quarterly basis. An unrealized loss exists when the current fair value of an individual security is less than its amortized cost basis.&#160; The OTTI assessment considers the security structure, recent security collateral performance metrics, if applicable, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment about, and expectations of, future performance, and relevant independent industry research, analysis and forecasts. The severity of the impairment and the length of time the security has been impaired is also considered in the assessment.&#160; The assessment of whether an OTTI decline exists is performed on each security, regardless of the classification of the security as available-for-sale or held-to-maturity and involves a high degree of subjectivity and judgment that is based on the information available to management at a point in time.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 13.7pt; text-indent: 0pt;">An OTTI loss must be recognized for a debt security in an unrealized loss position if there is intent to sell the security or it is more likely than not the Company will be required to sell the security prior to recovery of its amortized cost basis. In this situation, the amount of loss recognized in income is equal to the difference between the fair value and the amortized cost basis of the security. Even if management does not have the intent, and it is not more likely than not that the Company will be required to sell the securities, an evaluation of the expected cash flows to be received is performed to determine if a credit loss has occurred. For debt securities, a critical component of the evaluation for OTTI is the identification of credit-impaired securities, where the Company does not expect to receive cash flows sufficient to recover the entire amortized cost basis of the security.&#160; In the event of a credit loss, only the amount of impairment associated with the credit loss would be recognized in income. The portion of the unrealized loss relating to other factors, such as liquidity conditions in the market or changes in market interest rates, is recorded in accumulated other comprehensive loss.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Equity securities are also evaluated to determine whether the unrealized loss is expected to be recoverable based on whether evidence exists to support a realizable value equal to or greater than the amortized cost basis. If it is probable that the amortized cost basis will not be recovered, taking into consideration the estimated recovery period and the ability to hold the equity security until recovery, OTTI is recognized in earnings equal to the difference between the fair value and the amortized cost basis of the security.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The specific identification method is used in determining the realized gains and losses on sales of investment securities and OTTI charges.&#160; Premiums and discounts on securities are amortized and accreted, respectively, on the interest method basis over the period to maturity or estimated life of the related security.&#160; Purchases and sales of securities are recognized on a trade date basis.</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Intangible Assets</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Intangible assets include core deposit intangibles, customer relationship intangibles and goodwill arising from acquisitions. Core deposit intangibles and customer relationship intangibles are amortized on either an accelerated or straight-line basis over periods ranging from seven to 20 years. The initial and ongoing carrying value of goodwill and other intangible assets is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.&#160; It also requires use of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, peer volatility indicators, and company-specific risk indicators.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.&#160; The implied fair value of a reporting unit's goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value over fair value.&#160; The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Retirement Benefits</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.&#160; The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees, officers, and directors.&#160; Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including discount rate, rate of future compensation increases, and expected return on plan assets.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">New Accounting Pronouncements</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In May 2014, the FASB issued ASU No. 2014-09, <font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606)</font>.&#160; This new guidance supersedes the revenue recognition requirements in ASC 605, Revenue Recognition, and is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects consideration to which the entity expects to be entitled in exchange for those goods and services. The ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract.&#160; This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2017.&#160; The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="font-size: 10pt; font-family: Times, serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In January 2016, the FASB issued ASU&#160;2016-1, <font style="font-size: 10pt; font-family: Times, serif; font-style: italic;">Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.</font> This guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The primary focus of this guidance is to supersede the guidance to classify equity securities with readily determinable fair values into different categories (trading or available-for-sale) and requires equity securities to be measured at fair value with changes in the fair value recognized through net income. This guidance requires adoption through a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption.&#160; This ASU&#160;is effective for fiscal years beginning after December&#160;15, 2017, including interim periods within those fiscal years.&#160; Early adoption is permitted for all companies in any interim or annual period. <font style="font-size: 10pt; font-family: 'Times New Roman', serif;">The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.</font></div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In February 2016, the FASB issued ASU 2016-02, <font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic;">Leases (Topic 842)</font>. This new guidance supersedes the lease requirements in <font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic;">Topic 840, Leases</font> and is based on the principle that a lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term.&#160; The accounting applied by a lessor is largely unchanged from that applied under the previous guidance.&#160; In addition, the guidance requires an entity to separate the lease components from the nonlease components in a contract.&#160; The ASU requires disclosures about the amount, timing, and judgments related to a reporting entity's accounting for leases and related cash flows.&#160; The standard is required to be applied to all leases in existence as of the date of adoption using a modified retrospective transition approach.&#160; This guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early adoption is permitted for all companies in any interim or annual period.&#160; The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In March 2016, the FASB issued ASU 2016-09, <font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic;">Compensation &#8211; Stock Compensation (Topic 718)</font>.&#160; The amendments simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities and classification on the statement of cash flows.&#160; The new guidance requires all excess tax benefits and tax deficiencies be recognized as income tax expense or benefit in the income statement.&#160; The tax effects of exercised or vested awards should be treated as discrete items in the reporting period in which they occur. This guidance requires certain amendments to be applied through a cumulative-effect adjustment to equity as of the beginning of the fiscal period in which the guidance is adopted while other amendments are required to be applied retrospectively or prospectively.&#160; This ASU is effective for fiscal periods beginning after December 15, 2016, and interim periods within those annual periods.&#160; Early adoption is permitted for any entity in any interim or annual period.&#160;&#160; The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">In June 2016, the FASB issued ASU No. 2016-13, <font style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic;">Financial Instruments &#8211; Credit Losses (Topic 326)</font>.&#160; This new guidance significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income.&#160; This ASU will replace the "incurred loss" model under existing guidance with an "expected loss" model for instruments measured at amortized cost, and require entities to record allowances for available-for-sale debt securities rather than reduce the carrying amount, as they do today under the other-than-temporary impairment model.&#160; This ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans.&#160; This guidance requires adoption through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is adopted.&#160; This ASU is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years.&#160; Early adoption is permitted for all companies as of fiscal years beginning after December 15, 2018, including interim periods within those fiscal years.&#160; The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.</div></div> 150425 253410 2200000 1704000 5412000 3708000 253000 3882000 3629000 1236929000 1140647000 44443000 566591000 19235000 -17637000 528015000 -13929000 44696000 535568000 589559000 81035000 1846000 1517000 3623000 3097000 1830000 1071000 667708 517283 0 13929000 17637000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Information regarding TDRs as of June 30, 2016 and December 31, 2015 is as follows:</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="22" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="22" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Nonaccrual</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Accruing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;"><u>#</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;"><u>Amount</u></div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">43</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,979</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">44</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,227</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">87</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,206</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,472</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">54</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,486</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">91</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,958</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">234</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">708</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">15</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">942</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">217</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">737</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">954</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">83</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">806</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">83</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">806</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">77</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">691</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">77</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">691</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">71</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">71</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">32</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">32</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">37</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">240</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">261</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">26</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">501</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">10</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">203</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">301</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">24</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">504</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">67</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,453</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">154</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,073</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">221</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,526</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">55</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,892</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">183</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4,252</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 2%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">238</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6,144</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following table presents information related to loans modified in a TDR during the three months and six months ended June 30, 2016 and 2015.&#160; Of the loans noted in the table below, all loans for the three months and six months ended June 30, 2016 and 2015 were modified due to a Chapter 7 bankruptcy as described previously.&#160; The financial effects of these restructurings were immaterial.</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Three Months Ended June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Number of loans modified</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Outstanding Balance</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Number of loans modified</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Outstanding Balance</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">437</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">61</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr style="height: 20px;"><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">51</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">118</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">84</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">52</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">73</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr style="height: 22px;"><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">731</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">146</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="clear: both; display: block; text-indent: 0pt;">&#160;</div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended June 30, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Six Months Ended June 30, 2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Number of loans modified</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Outstanding Balance</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Number of loans modified</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Outstanding Balance</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer mortgage</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">8</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">652</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">6</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">280</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Business lending</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">51</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">0</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer indirect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">20</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">331</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">12</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">163</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Consumer direct</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">52</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Home equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">4</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">73</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">35</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">1,159</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">21</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">461</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> 41094000 41079000 44378000 44289000 43942000 40674000 40690000 44021000 12 399422000 0 0 699241000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The following is a summary of the loans acquired from Oneida at the date of acquisition:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 55%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Non-impaired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Acquired</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000s omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Loans</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Contractually required principal and interest at acquisition</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">5,138</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">484,937</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">490,075</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Contractual cash flows not expected to be collected</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(1,977</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(4,833</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(6,810</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;Expected cash flows at acquisition</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">3,161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">480,104</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">483,265</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 5.4pt; line-height: 11.4pt;">Interest component of expected cash flows</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(341</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(83,502</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(83,843</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 55%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;Fair value of acquired loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">2,820</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">396,602</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 12%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">399,422</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> 83843000 83502000 341000 1977000 4833000 6810000 8000000000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The contract amounts of commitments and contingencies are as follows:</div><div style="display: block; line-height: 6.85pt; text-indent: 0pt;"><br style="line-height: 6.85pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 40%;"><tr><td valign="bottom" style="width: 54%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-style: italic; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">June 30,</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">December 31,</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Commitments to extend credit</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">725,561</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">811,442</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Standby letters of credit</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,713</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">19,053</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 54%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; margin-left: 13.5pt; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">745,274</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">830,495</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> 830495000 811442000 19713000 725561000 19053000 745274000 78000 0 0 78000 37000 37000 0 0 500000 361000 117000 0 0 0 117000 361000 0 0.01 0.01 7000 0 1765000 0 0 932000 0 1765000 932000 0 2088000 1726000 0 1726000 2088000 0 0 0.94 0.06 0.179 0.2 0.09 0.09 0.315 0.938 0.277 0.74 0.169 0.128 0.063 0.053 361000 195000 643000 347000 2 4699000 4060000 8107000 9815000 11671000 11322000 22397000 23682000 1597000 799000 1854000 3176000 -25317000 -62734000 34347000 33663000 -12801000 -13064000 164631000 65835000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>The terms of the preferred securities of each trust are as follows:</div><div style="display: block; line-height: 8pt; text-indent: 0pt;"><br style="line-height: 8pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 50%;"><tr><td style="width: 50px; vertical-align: bottom;">&#160;</td><td style="width: 75px; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Issuance</div></td><td style="width: 95px; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Par</div></td><td style="width: 275px; vertical-align: bottom;">&#160;</td><td style="width: 75px; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Maturity</div></td><td style="width: 80px; vertical-align: bottom;">&#160;</td></tr><tr><td style="width: 50px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Trust</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Date</div></td><td style="width: 95px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amount</div></td><td style="width: 275px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Interest Rate</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Date</div></td><td style="width: 80px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Call Price</div></td></tr><tr style="height: 15px;"><td style="width: 50px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">III</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">7/31/2001</div></td><td style="width: 95px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">$24.5 million</div></td><td style="width: 275px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">3 month LIBOR plus 3.58% (4.22%)</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">7/31/2031</div></td><td style="width: 80px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Par</div></td></tr><tr><td style="width: 50px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">IV</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">12/8/2006</div></td><td style="width: 95px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">$75 million</div></td><td style="width: 275px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">3 month LIBOR plus 1.65% (2.30%)</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">12/15/2036</div></td><td style="width: 80px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Par</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">NOTE G:&#160; MANDATORILY REDEEMABLE PREFERRED SECURITIES</div><div style="display: block; line-height: 8pt; text-indent: 0pt;"><br style="line-height: 8pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 12pt; text-indent: 0pt;">The Company sponsors two business trusts, Community Statutory Trust III and Community Capital Trust IV, of which 100% of the common stock is owned by the Company.&#160; The trusts were formed for the purpose of issuing company-obligated mandatorily redeemable preferred securities to third-party investors and investing the proceeds from the sale of such preferred securities solely in junior subordinated debt securities of the Company.&#160; The debentures held by each trust are the sole assets of that trust.&#160; Distributions on the preferred securities issued by each trust are payable quarterly at a rate per annum equal to the interest rate being earned by the trust on the debentures held by that trust and are recorded as interest expense in the consolidated financial statements.&#160; The preferred securities are subject to mandatory redemption, in whole or in part, upon repayment of the debentures.&#160; The Company has entered into agreements which, taken collectively, fully and unconditionally guarantee the preferred securities subject to the terms of each of the guarantees.&#160; The terms of the preferred securities of each trust are as follows:</div><div style="display: block; line-height: 8pt; text-indent: 0pt;"><br style="line-height: 8pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 50%;"><tr><td style="width: 50px; vertical-align: bottom;">&#160;</td><td style="width: 75px; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Issuance</div></td><td style="width: 95px; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Par</div></td><td style="width: 275px; vertical-align: bottom;">&#160;</td><td style="width: 75px; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Maturity</div></td><td style="width: 80px; vertical-align: bottom;">&#160;</td></tr><tr><td style="width: 50px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Trust</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Date</div></td><td style="width: 95px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Amount</div></td><td style="width: 275px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Interest Rate</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Date</div></td><td style="width: 80px; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 11.4pt;">Call Price</div></td></tr><tr style="height: 15px;"><td style="width: 50px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">III</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">7/31/2001</div></td><td style="width: 95px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">$24.5 million</div></td><td style="width: 275px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">3 month LIBOR plus 3.58% (4.22%)</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">7/31/2031</div></td><td style="width: 80px; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Par</div></td></tr><tr><td style="width: 50px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: center; line-height: 10.25pt;">IV</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">12/8/2006</div></td><td style="width: 95px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">$75 million</div></td><td style="width: 275px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">3 month LIBOR plus 1.65% (2.30%)</div></td><td style="width: 75px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">12/15/2036</div></td><td style="width: 80px; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 9pt; font-family: 'Times New Roman', serif; text-align: right; line-height: 10.25pt;">Par</div></td></tr></table></div></div> 3401000 3419000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">The outstanding balance related to credit impaired acquired loans was $8.1 million and $8.5 million at June 30, 2016 and December 31, 2015, respectively.&#160; The changes in the accretable discount related to the credit impaired acquired loans are as follows:</div><div style="display: block; line-height: 9.1pt; text-indent: 0pt;"><br style="line-height: 9.1pt;" /></div><div style="display: block; text-indent: 0pt;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="width: 82%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">(000's omitted)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 82%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Balance at December 31, 2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">810</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 82%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Accretion recognized, year-to-date</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">(252</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 82%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Net reclassification to accretable from non-accretable</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">116</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 82%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; line-height: 11.4pt;">Balance at June 30, 2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 15%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; line-height: 11.4pt;">674</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> 8100000 8500000 P10Y P30Y P30Y 261000 691000 71000 37000 737000 2486000 4252000 2227000 4073000 301000 806000 708000 24 91 32 83 238 77 15 26 87 14 10 221 500000 217000 240000 234000 203000 0 1979000 1892000 0 2453000 1472000 0 0 10 37 0 8 0 0 67 0 14 10 43 55 154 10 54 14 6 32 44 83 5 77 183 12 7008000 0 0 7299000 0 0 0 0 0 0 7299000 7008000 483478000 484146000 135102000 177570000 9789000 8379000 11105000 9957000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired Loans</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired loans are initially recorded at their acquisition date fair values.&#160; The carryover of allowance for loan losses is prohibited as any credit losses in the loans are included in the determination of the fair value of the loans at the acquisition date. Fair values for acquired loans are based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired Impaired Loans</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments are accounted for as impaired loans under Accounting Standards Codification ("ASC") 310-30.&#160; The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loans using the interest method. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount. The non-accretable discount represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired loans that met the criteria for non-accrual of interest prior to acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, the Company may no longer consider the loans to be non-accrual or non-performing and may accrue interest on these loans, including the impact of any accretable discount.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; font-weight: bold; font-style: italic; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired Non-impaired Loans</div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Acquired loans that do not meet the requirements under ASC 310-30 are considered acquired non-impaired loans. The difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Fair value adjustments may be discounts (or premiums) to a loan's cost basis and are accreted (or amortized) to net interest income (or expense) over the loan's remaining life in accordance with ASC 310-20. Fair value adjustments for revolving loans are accreted (or amortized) using a straight line method. Term loans are accreted (or amortized) using the constant effective yield method.</div><div style="display: block; line-height: 11.4pt; text-indent: 0pt;"><br style="line-height: 11.4pt;" /></div><div style="font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left; display: block; line-height: 11.4pt; text-indent: 0pt;">Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans are consistent with the policy described below.&#160; However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.&#160; The carrying value represents the net of the loan's unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.&#160; When the carrying value exceeds the net realizable value, an allowance for loan loss is recognized.</div></div> 0 2481000 1505000 2240000 -21000 318000 8 5 2 P36M 2 500000 Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income. Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30. As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans. EX-101.SCH 7 cbu-20160630.xsd XBRL TAXONOMY EXTENSION SCHEMA 000100 - Document - Document and Entity Information link:presentationLink link:calculationLink link:definitionLink 010000 - Statement - CONSOLIDATED STATEMENTS OF CONDITION (Unaudited) link:presentationLink link:calculationLink link:definitionLink 010100 - Statement - CONSOLIDATED STATEMENTS OF CONDITION (Unaudited) (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 020000 - Statement - CONSOLIDATED STATEMENTS OF INCOME (Unaudited) link:presentationLink link:calculationLink link:definitionLink 030000 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) link:presentationLink link:calculationLink link:definitionLink 040000 - Statement - CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited) link:presentationLink link:calculationLink link:definitionLink 040100 - Statement - CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited) (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 050000 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) link:presentationLink link:calculationLink link:definitionLink 050100 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 060100 - Disclosure - BASIS OF PRESENTATION link:presentationLink link:calculationLink link:definitionLink 060200 - Disclosure - ACQUISITIONS link:presentationLink link:calculationLink link:definitionLink 060300 - Disclosure - ACCOUNTING POLICIES link:presentationLink link:calculationLink link:definitionLink 060400 - Disclosure - INVESTMENT SECURITIES link:presentationLink link:calculationLink link:definitionLink 060500 - Disclosure - LOANS link:presentationLink link:calculationLink link:definitionLink 060600 - Disclosure - GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS link:presentationLink link:calculationLink link:definitionLink 060700 - Disclosure - MANDATORILY REDEEMABLE PREFERRED SECURITIES link:presentationLink link:calculationLink link:definitionLink 060800 - Disclosure - BENEFIT PLANS link:presentationLink link:calculationLink link:definitionLink 060900 - Disclosure - EARNINGS PER SHARE link:presentationLink link:calculationLink link:definitionLink 061000 - Disclosure - COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS link:presentationLink link:calculationLink link:definitionLink 061100 - Disclosure - FAIR VALUE link:presentationLink link:calculationLink link:definitionLink 061200 - Disclosure - DERIVATIVE INSTRUMENTS link:presentationLink link:calculationLink link:definitionLink 061300 - Disclosure - SEGMENT INFORMATION link:presentationLink link:calculationLink link:definitionLink 070300 - Disclosure - ACCOUNTING POLICIES (Policies) link:presentationLink link:calculationLink link:definitionLink 080200 - Disclosure - ACQUISITIONS (Tables) link:presentationLink link:calculationLink link:definitionLink 080400 - Disclosure - INVESTMENT SECURITIES (Tables) link:presentationLink link:calculationLink link:definitionLink 080500 - Disclosure - LOANS (Tables) link:presentationLink link:calculationLink link:definitionLink 080600 - Disclosure - GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Tables) link:presentationLink link:calculationLink link:definitionLink 080700 - Disclosure - MANDATORILY REDEEMABLE PREFERRED SECURITIES (Tables) link:presentationLink link:calculationLink link:definitionLink 080800 - Disclosure - BENEFIT PLANS (Tables) link:presentationLink link:calculationLink link:definitionLink 080900 - Disclosure - EARNINGS PER SHARE (Tables) link:presentationLink link:calculationLink link:definitionLink 081000 - Disclosure - COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables) link:presentationLink link:calculationLink link:definitionLink 081100 - Disclosure - FAIR VALUE (Tables) link:presentationLink link:calculationLink link:definitionLink 081300 - Disclosure - SEGMENT INFORMATION (Tables) link:presentationLink link:calculationLink link:definitionLink 090200 - Disclosure - ACQUISITIONS (Details) link:presentationLink link:calculationLink link:definitionLink 090202 - Disclosure - ACQUISITIONS, Estimated Fair Value of Assets Acquired and Liabilities Assumed (Details) link:presentationLink link:calculationLink link:definitionLink 090204 - Disclosure - ACQUISITIONS, Summary of Loans Acquired (Details) link:presentationLink link:calculationLink link:definitionLink 090206 - Disclosure - ACQUISITIONS, Intangible Asset, Goodwill and Acquisition-related Expenses (Details) link:presentationLink link:calculationLink link:definitionLink 090208 - Disclosure - ACQUISITIONS, Supplemental Pro Forma Financial Information (Details) link:presentationLink link:calculationLink link:definitionLink 090300 - Disclosure - ACCOUNTING POLICIES (Details) link:presentationLink link:calculationLink link:definitionLink 090400 - Disclosure - INVESTMENT SECURITIES (Details) link:presentationLink link:calculationLink link:definitionLink 090402 - Disclosure - INVESTMENT SECURITIES, Investment Securities in a Continuous Unrealized Loss Position (Details) link:presentationLink link:calculationLink link:definitionLink 090404 - Disclosure - INVESTMENT SECURITIES, Amortized Cost and Estimated Fair Value of Debt Securities by Contractual Maturity (Details) link:presentationLink link:calculationLink link:definitionLink 090500 - Disclosure - LOANS, Loan Summary (Details) link:presentationLink link:calculationLink link:definitionLink 090502 - Disclosure - LOANS, Credit Quality By Past Due Status (Details) link:presentationLink link:calculationLink link:definitionLink 090504 - Disclosure - LOANS, Amount of Business Lending Loans by Credit Quality Category (Details) link:presentationLink link:calculationLink link:definitionLink 090506 - Disclosure - LOANS, Summary of Impaired Loans, Excluding Purchased Impaired (Details) link:presentationLink link:calculationLink link:definitionLink 090508 - Disclosure - LOANS, Troubled Debt Restructuring (TDR) (Details) link:presentationLink link:calculationLink link:definitionLink 090510 - Disclosure - LOANS, Allowance for Loan Losses (Details) link:presentationLink link:calculationLink link:definitionLink 090600 - Disclosure - GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Details) link:presentationLink link:calculationLink link:definitionLink 090602 - Disclosure - GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Details) Calc 2 link:presentationLink link:calculationLink link:definitionLink 090700 - Disclosure - MANDATORILY REDEEMABLE PREFERRED SECURITIES (Details) link:presentationLink link:calculationLink link:definitionLink 090800 - Disclosure - BENEFIT PLANS (Details) link:presentationLink link:calculationLink link:definitionLink 090900 - Disclosure - EARNINGS PER SHARE (Details) link:presentationLink link:calculationLink link:definitionLink 091000 - Disclosure - COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Details) link:presentationLink link:calculationLink link:definitionLink 091100 - Disclosure - FAIR VALUE, Financial Assets and Liabilities Accounted for at Fair Value On a Recurring Basis (Details) link:presentationLink link:calculationLink link:definitionLink 091102 - Disclosure - FAIR VALUE, Unobservable Input Reconciliation (Details) link:presentationLink link:calculationLink link:definitionLink 091104 - Disclosure - FAIR VALUE, Assets and Liabilities Measured on Nonrecurring Basis (Details) link:presentationLink link:calculationLink link:definitionLink 091106 - Disclosure - FAIR VALUE, Significant Unobservable Inputs (Details) link:presentationLink link:calculationLink link:definitionLink 091108 - Disclosure - FAIR VALUE, Carrying Amounts and Estimated Fair Values of Other Financial Instruments (Details) link:presentationLink link:calculationLink link:definitionLink 091300 - Disclosure - SEGMENT INFORMATION (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 8 cbu-20160630_cal.xml XBRL TAXONOMY EXTENSION CALCULATION LINKBASE EX-101.DEF 9 cbu-20160630_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE EX-101.LAB 10 cbu-20160630_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE Amendment Flag Current Fiscal Year End Date Document Period End Date Entity Well-known Seasoned Issuer Entity Voluntary Filers Entity Current Reporting Status Entity Filer Category Entity Registrant Name Entity Central Index Key Entity Common Stock, Shares Outstanding Document Fiscal Year Focus Document Fiscal Period Focus Document Type Amortized Cost and Estimated Fair Value of Investment Securities Investment [Table Text Block] Total Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 12 months or longer Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year ACCOUNTING POLICIES [Abstract] Receivable Type [Axis] Accounts, Notes, Loans and Financing Receivable [Line Items] Net unrealized gain on available-for-sale securities Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax Accumulated Other Comprehensive Income By Component: Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract] Accumulated Other Comprehensive Income [Member] Net unrealized loss for pension and other post-retirement obligations Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net of Tax Accumulated other comprehensive income Accumulated other comprehensive income Accumulated Other Comprehensive Income (Loss), Net of Tax Additional paid-in capital Additional Paid-In Capital [Member] Common stock issued under employee stock plan, tax benefits Adjustment to Additional Paid in Capital, Income Tax Effect from Share-based Compensation, Net Adjustments to reconcile net income to net cash provided by operating activities: Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract] Stock-based compensation Adjustments to Additional Paid in Capital, Share-based Compensation, Requisite Service Period Recognition All Other [Member] Other Segments [Member] Schedule of Allowance for Loan Losses by Class Charge-offs Allowance for Loan and Lease Losses, Write-offs Recoveries Allowance for loan losses [Roll Forward] Amortization of mortgage servicing rights Amortization of intangible assets Amortization of intangible assets Amortization of intangible assets Income attributable to unvested stock-based compensation awards Dilutive Securities, Effect on Basic Earnings Per Share, Options and Restrictive Stock Units Weighted-average anti-dilutive stock options outstanding (in shares) Decrease in other assets as a result of fair value adjustment Total assets Assets Assets: Assets: Assets [Abstract] Total Fair value Assets, Fair Value Disclosure Total Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value Available-for-sale investment securities (cost of $2,725,232 and $2,742,278, respectively) Fair value Available-for-sale investment securities Less than 12 months Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value Gross unrealized gains Available-for-sale Equity Securities, Accumulated Gross Unrealized Gain, before Tax Available-for-Sale Portfolio in Unrealized Loss Positions, Fair Value [Abstract] Due in one to five years Available-for-sale Securities, Debt Maturities, Rolling Year Two Through Five, Fair Value Due in five through ten years Available-for-sale Securities, Debt Maturities, Rolling Year Six Through Ten, Fair Value Due in one year or less Available-for-sale Securities, Debt Maturities, Next Rolling Twelve Months, Fair Value Gross unrealized gains Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax Subtotal Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis 12 months or longer Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 12 months or longer Available For Sale Equity Securities Amortized Cost Basis [Abstract] Gross unrealized losses Available-for-sale Debt Securities, Accumulated Gross Unrealized Loss, before Tax Total Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss Due after ten years Available-for-sale Securities, Debt Maturities, Rolling after Year Ten, Fair Value Gross unrealized losses Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax Less than 12 months Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Less than One Year Due after ten years Available-for-Sale, Debt Maturities, Amortized Cost [Abstract] Gross unrealized losses Available-for-sale Equity Securities, Accumulated Gross Unrealized Loss, before Tax Amortized cost Available-for-sale Equity Securities, Amortized Cost Basis Available-for-Sale, Debt Maturities, Fair Value [Abstract] Available-for-sale investment securities, cost Amortized cost Available-for-Sale Portfolio, Debt Maturities, Gross Unrealized Losses [Abstract] Available-for-Sale Portfolio in Unrealized Loss Positions, Number of Positions [Abstract] Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions [Abstract] Due in five through ten years Gross unrealized gains Available-for-sale Debt Securities, Accumulated Gross Unrealized Gain, before Tax Less than 12 months Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss Due in one to five years Amortized cost Available-for-sale Debt Securities, Amortized Cost Basis Available-for-Sale Portfolio [Abstract] Available-for-sale investment securities [Abstract] Due in one year or less Available For Sale Debt Securities Amortized Cost Basis [Abstract] Subtotal Available-for-sale Securities, Debt Maturities, Single Maturity Date Fair value Fair value Available-for-sale Securities, Debt Securities Without single maturity date Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis Without single maturity date Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value Fair value Available-for-sale Securities, Equity Securities Income from bank-owned life insurance policies Bank Owned Life Insurance Income Business Acquisition [Axis] Other assets Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Other Noncurrent Assets Acquisition-related expenses excluded from pro forma information Community Bank System, Inc. common stock Cash and cash equivalents Investment securities Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Marketable Securities Assets acquired Business Acquisition, Acquiree [Domain] Total revenue, net of interest expense Business Acquisition, Pro Forma Revenue Accrued interest receivable Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Receivables ACQUISITIONS [Abstract] Issuance of common shares (in shares) Net income Business Acquisition, Pro Forma Net Income (Loss) Business Acquisition [Line Items] Other liabilities Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Noncurrent Liabilities, Other Supplemental Pro Forma Financial Information [Abstract] Pro Forma Financial Information Consideration paid [Abstract] Premises and equipment Total identifiable assets, net Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Net Business development and marketing ACQUISITIONS Business Combination Disclosure [Text Block] Intangibles Recognized amounts of identifiable assets acquired and liabilities assumed [Abstract] Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Less Noncontrolling Interest [Abstract] Merger and acquisition integration-related expenses Acquisition expenses Estimated fair value of assets and liabilities assumed in acquisition [Abstract] Carrying Value [Member] Cash and cash equivalents at end of period Cash and cash equivalents at beginning of period Cash and cash equivalents Cash and Cash Equivalents, at Carrying Value Cash acquired from acquisition Supplemental disclosures of noncash financing and investing activities: Cash Flow, Noncash Investing and Financing Activities Disclosure [Abstract] Summary of loans acquired [Abstract] Fair value of acquired loans Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, at Acquisition, at Fair Value Ending Balance Beginning Balance Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Contractually required principal and interest at acquisition Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, Contractually Required Payments Receivable at Acquisition Accretion recognized, year-to-date Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion Expected cash flows at acquisition Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, Cash Flows Expected to be Collected at Acquisition Accretable discount related to credit impaired acquired loans [Roll forward] Net reclassification to accretable from non-accretable Commercial Portfolio Segment [Member] Business Lending [Member] Commercial Loan [Member] COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS Commitments and Contingencies Disclosure [Text Block] Commitments and contingencies (See Note J) Commitments and Contingencies Commitments to Extend Credit [Member] COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract] Cash dividends declared per share (in dollars per share) Dividends declared per common share (in dollars per share) Common Stock [Member] Common stock, shares issued (in shares) Common stock, $1.00 par value, 75,000,000 shares authorized; 44,695,978 and 44,442,568 shares issued, respectively Common stock, shares authorized (in shares) Common stock, par value (in dollars per share) Balance (in shares) Balance (in shares) Common Stock, Shares, Outstanding Data processing and communications Comprehensive income/(loss) Comprehensive Income (Loss), Net of Tax, Attributable to Parent Consolidation Items [Axis] Consolidation Items [Domain] Consumer Portfolio Segment [Member] Core Deposits [Member] Core Deposit Intangibles [Member] Corporate Debt Securities [Member] Customer Relationships [Member] Doubtful [Member] Issuance date Debt Instrument [Line Items] Call price Debt Instrument, Call Feature Debt Security [Axis] Variable interest rate basis Borrowings Debt and Capital Lease Obligations Schedule of Long-term Debt Instruments [Table] Variable interest rate, basis spread Par amount Debt Instrument, Face Amount Borrowings Maturity date Effective interest rate Debt Instrument, Interest Rate, Effective Percentage Amortization of unrecognized net loss Defined Benefit Plan, Amortization of Gains (Losses) BENEFIT PLANS [Abstract] Amortization of prior service cost Defined Benefit Plan Disclosure [Line Items] Expected return on plan assets Defined Benefit Plan, Expected Return on Plan Assets Interest cost Net periodic benefit cost Defined Benefit Plan, Net Periodic Benefit Cost Defined Benefit Plan and Other Postretirement Benefit Plan [Domain] Service cost Net periodic benefit cost [Abstract] Defined Benefit Plans and Other Postretirement Benefit Plans [Axis] Total deposits Deposits Deposits Deposits, Fair Value Disclosure Depreciation DERIVATIVE INSTRUMENTS Derivative Instruments and Hedging Activities Disclosure [Text Block] DERIVATIVE INSTRUMENTS [Abstract] Dividends declared and unpaid Cash dividends declared: Dividends [Abstract] Common, $0.62 per share Dividends, Common Stock Basic earnings per share [Abstract] Earnings Per Share, Basic [Abstract] Diluted earnings per share [Abstract] Earnings Per Share, Diluted [Abstract] Basic earnings per share (in dollars per share) Earnings Per Share, Basic Diluted earnings per share (in dollars per share) Earnings Per Share, Diluted Reconciliation of basic to diluted earnings per share [Abstract] Earnings Per Share Reconciliation [Abstract] EARNINGS PER SHARE Earnings Per Share [Text Block] EARNINGS PER SHARE [Abstract] Equity Component [Domain] Percent ownership of unconsolidated subsidiary trusts Fair Value [Member] Tax benefits from share-based payment arrangements Excess Tax Benefit from Share-based Compensation, Financing Activities Total losses included in earnings Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings Fair Value Inputs [Abstract] Asset Class [Axis] Fair Value Inputs, Assets, Quantitative Information [Line Items] Fair Value, Hierarchy [Axis] Weighted average discount rate Measurement Frequency [Axis] FAIR VALUE [Abstract] Fair Value Inputs, Assets, Quantitative Information [Table] Total Fair Value, Net Asset (Liability) Measurement Basis [Axis] Weighted average constant prepayment rate Asset Class [Domain] Non-recurring [Member] Fair Value Measurements, Recurring and Nonrecurring [Table] Fair Value, Measurement Frequency [Domain] Recurring [Member] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Fair Value Hierarchy [Domain] FAIR VALUE Fair Value Disclosures [Text Block] Assets and Liabilities Measured on a Non-Recurring Basis Significant Unobservable Inputs, Fair Value Valuation Techniques Fair Value, Assets and Liabilities Measured on Nonrecurring Basis, Valuation Techniques [Table Text Block] Level 3 Assets Measured at Fair Value on a Recurring Basis [Abstract] Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward] Fair Value, by Balance Sheet Grouping [Table] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Carrying Amounts and Estimated Fair Values of Other Financial Instruments Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items] Fair Value Measurement [Domain] Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table] Changes in Level 3 Assets Measured at Fair Value on a Recurring Basis Level 3 [Member] Level 1 [Member] Level 2 [Member] Beginning balance Ending balance Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value Off-balance Sheet Risks, Disclosure Information [Line Items] Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items] Subordinated debt held by unconsolidated subsidiary trusts FDIC insurance premiums Deposit service fees Fees and Commissions, Depositor Accounts Financial liabilities [Abstract] Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract] Financial assets [Abstract] Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract] Financial Instrument [Axis] Financial Instrument Performance Status [Axis] Financial Instrument Performance Status [Domain] 90 + days past due and still accruing Current Aged analysis of the company's loans [Abstract] Total past due Class of Financing Receivable, Type [Axis] Financing Receivable, Modifications [Line Items] Financing Receivables, Period Past Due [Axis] 90+ Days Past Due [Member] Financing Receivables, Equal to Greater than 90 Days Past Due [Member] Financing Receivable, Allowance for Credit Losses [Line Items] Financing Receivable, Recorded Investment [Line Items] Troubled debt restructurings, total amount Financing Receivable, Modifications, Recorded Investment Nonaccrual Financing Receivable Portfolio Segment [Axis] Schedule of Loans by Credit Quality Indicator Financing Receivable Credit Quality Indicators [Table Text Block] Financing Receivables, Period Past Due [Domain] TDR occurring during the year, post-modification recorded investment Loans modified in TDR during the year, number Class of Financing Receivable, Type [Domain] Financing Receivable Portfolio Segment [Domain] Thereafter Finite-Lived Intangible Assets, Amortization Expense, after Year Five Finite-Lived Intangible Assets by Major Class [Axis] 2017 Finite-Lived Intangible Assets, Amortization Expense, Year Two Net carrying amount Finite-Lived Intangible Assets, Net Accumulated amortization Finite-Lived Intangible Assets, Accumulated Amortization Finite-Lived Intangible Assets [Line Items] Gross carrying amount Intangible asset useful life (amortization period) Estimated useful life Jul - Dec 2016 Finite-Lived Intangible Assets, Major Class Name [Domain] Intangible Assets [Abstract] 2020 Finite-Lived Intangible Assets, Amortization Expense, Year Five Estimated aggregate amortization expense [Abstract] Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract] 2019 Finite-Lived Intangible Assets, Amortization Expense, Year Four 2018 Finite-Lived Intangible Assets, Amortization Expense, Year Three Accumulated impairment Goodwill, Impaired, Accumulated Impairment Loss Goodwill Goodwill, Gross Accumulated impairment, activity Goodwill, Impairment Loss Goodwill, net Goodwill, net Goodwill Goodwill Goodwill, net, activity Increase in goodwill as a result of fair value adjustment Intangible Assets Components of goodwill [Abstract] Goodwill [Roll Forward] GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS Goodwill and Intangible Assets Disclosure [Text Block] Goodwill, activity GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS [Abstract] Eliminations [Member] Intersegment Eliminations [Member] Summary of Non-business Impaired Loans Impaired Financing Receivables [Table Text Block] Loans with allowance allocation Impaired Financing Receivable, with Related Allowance, Recorded Investment Loans without allowance allocation Impaired Financing Receivable, with No Related Allowance, Recorded Investment Unpaid principal balance Impaired Financing Receivable, Unpaid Principal Balance Allowance for loan loss allocated Valuation allowance Income before income taxes Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Noncontrolling Interest Income taxes Income Tax Expense (Benefit) CONSOLIDATED STATEMENTS OF INCOME (Unaudited) [Abstract] Cash paid for income taxes Net increase in deposits Change in other assets and liabilities Increase (Decrease) in Other Operating Assets and Liabilities, Net Increase (Decrease) in Stockholders' Equity [Roll Forward] Assumed exercise of stock options (in shares) Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements Insurance revenues Insurance Services Revenue Interest expense: Interest and fees on loans Interest income: Total interest income Interest and Dividend Income, Operating Total interest expense Interest Expense Interest on borrowings Interest on deposits Interest on subordinated debt held by unconsolidated subsidiary trusts Interest Expense, Junior Subordinated Debentures Cash paid for interest Net interest income Net interest income Net interest income after provision for loan losses Interest Income (Expense), after Provision for Loan Loss Interest and dividends on taxable investments Interest on nontaxable investments Interest-bearing deposits Accrued interest and fees receivable Interest Receivable Internal Credit Assessment [Domain] Internal Credit Assessment [Axis] Internal Credit Assessment [Axis] Investment Securities Federal Home Loan Bank Common Stock [Member] Investment in Federal Home Loan Bank Stock [Member] INVESTMENT SECURITIES Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] INVESTMENT SECURITIES [Abstract] Amortized Cost and Estimated Fair Value of Debt Securities by Contractual Maturity Investments Classified by Contractual Maturity Date [Table Text Block] Subordinated debt held by unconsolidated subsidiary trusts Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust Terms of preferred securities for each trust [Abstract] Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust [Abstract] Long-term Debt, Type [Axis] Long-term Debt, Type [Domain] Salaries and employee benefits Total liabilities Liabilities Liabilities: Liabilities [Abstract] Total liabilities and shareholders' equity Liabilities and Equity Increase in other liabilities as a result of fair value adjustment Impaired loans [Abstract] Allowance for loan losses Ending balance Beginning balance Loans and Leases Receivable, Allowance Allowance for Loan Losses Loans held for sale, at fair value Loans Receivable Held-for-sale, Net, Not Part of Disposal Group, Mortgage Net loans Loans and Leases Receivable, Net Amount Loans Total loans Gross loans, including deferred origination costs Loans and Leases Receivable, Gross Net loans LOANS Loans, Notes, Trade and Other Receivables Disclosure [Text Block] LOANS [Abstract] Range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability Loss Contingency, Estimate of Possible Loss Major Types of Debt and Equity Securities [Axis] Major Types of Debt Securities [Domain] Major Types of Debt and Equity Securities [Domain] Market Approach Valuation Technique [Member] Fair Value of Collateral [Member] Maximum [Member] Minimum [Member] Government Agency Mortgage-Backed Securities [Member] Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] Mortgage loans held for sale Mortgages Held-for-sale, Fair Value Disclosure Nonperforming [Member] Nonperforming Financial Instruments [Member] Financing activities: Net cash used in investing activities Net Cash Provided by (Used in) Investing Activities, Continuing Operations Operating activities: Net cash provided by financing activities Net Cash Provided by (Used in) Financing Activities, Continuing Operations Net cash provided by operating activities Net Cash Provided by (Used in) Operating Activities, Continuing Operations Investing activities: Change in cash and cash equivalents Net Cash Provided by (Used in) Continuing Operations Net income Net income Income available to common shareholders Net Income (Loss) Available to Common Stockholders, Basic New Accounting Pronouncements Purchase of intangible asset Noncash or Part Noncash Acquisition, Intangible Assets Acquired Noninterest-bearing deposits Noninterest revenues: Noninterest expenses: Noninterest Expense [Abstract] Total noninterest revenues Noninterest revenues Noninterest Income Loans receivable, net [Abstract] Occupancy and equipment Total noninterest expenses Operating Expenses Operating Segments [Member] BASIS OF PRESENTATION [Abstract] BASIS OF PRESENTATION Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block] Tax effect Other Comprehensive (Income) Loss, Amortization Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Prior Service Cost (Credit), Tax Tax effect Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Gain (Loss), Tax Amortization of prior service cost included in net periodic pension cost, net Other Comprehensive (Income) Loss, Amortization Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Prior Service Cost (Credit), Net of Tax Amortization of actuarial losses included in net periodic pension cost, gross Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Gain (Loss), before Tax Amortization of prior service cost included in net periodic pension cost, gross Other Comprehensive (Income) Loss, Amortization Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Prior Service Cost (Credit), before Tax Amortization of actuarial losses included in net periodic pension cost, net Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Gain (Loss), Net of Tax Other Intangibles [Member] Other Intangibles [Member] Other assets Other Assets Tax effect Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax Net unrealized holding gains/(losses) arising during period, net Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Tax Net unrealized holding gains/(losses) arising during period, gross Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, before Tax Other operating expenses Other securities, at cost Amortized cost Other Investments and Securities, at Cost Fair value Other Investment Not Readily Marketable, Fair Value Other expenses Other Noninterest Expense Post-retirement Benefits [Member] Other Postretirement Benefit Plan [Member] Pension and other post retirement obligations: Unrealized gains/(losses) on available-for-sale securities: Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax, Portion Attributable to Parent [Abstract] Other comprehensive income/(loss) related to unrealized gains/(losses) on available-for-sale securities, net of taxes Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax, Portion Attributable to Parent Other comprehensive income related to pension and other post retirement obligations, net of taxes Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax, Portion Attributable to Parent Other comprehensive income, net of tax Other comprehensive income/(loss), net of tax Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent Performing [Member] Performing Financial Instruments [Member] Aged Analysis of the Company's Past Due Loans by Class Pass [Member] Net change in loans Payments for (Proceeds from) Loans and Leases Purchases of available-for-sale investment securities Payments to Acquire Available-for-sale Securities Cash Payments to Acquire Businesses, Gross Expenditure for intangible asset Payments to Acquire Intangible Assets Cash paid for acquisition, net of cash acquired of $0 and $0, respectively Total net consideration paid Payments to Acquire Businesses, Net of Cash Acquired Purchases of treasury stock Payments for Repurchase of Common Stock Cash dividends paid Payments of Ordinary Dividends, Common Stock Purchases of other securities Payments to Acquire Other Investments Purchases of premises and equipment, net Payments to Acquire Property, Plant, and Equipment Retirement Benefits BENEFIT PLANS Pension and Other Postretirement Benefits Disclosure [Text Block] Pension Benefits [Member] Portion at Fair Value Measurement [Member] [Default] Portion at Fair Value Measurement [Member] Preferred stock, shares issued (in shares) Preferred stock, shares authorized (in shares) Preferred stock, par value (in dollars per share) Preferred stock, $1.00 par value, 500,000 shares authorized, 0 shares issued Net change in borrowings Proceeds from (Repayments of) Debt Proceeds from maturities of available-for-sale investment securities Proceeds from maturities of other investment securities Issuance of common stock Proceeds from Issuance of Common Stock Sales of treasury stock Legal and professional fees Premises and equipment, net Property, Plant and Equipment, Net Provision for loan losses Provision Provision for loan losses Range [Axis] Range [Domain] Receivable [Domain] Consumer Mortgage [Member] Residential Mortgage [Member] Residential Portfolio Segment [Member] Retained Earnings [Member] Retained earnings Classified [Member] Substandard [Member] Estimated Aggregate Amortization Expense Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block] Schedule of Financing Receivable, Allowance for Credit Losses [Table] Schedule of Finite-Lived Intangible Assets [Table] Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table] Schedule of Financing Receivable, Troubled Debt Restructurings [Table] Schedule of Financing Receivables Past Due [Table] Reconciliation of Basic to Diluted Earnings per Share Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Summary of Fair Value Measured on a Recurring Basis Net Periodic Benefit Cost Schedule of Net Benefit Costs [Table Text Block] Estimated Fair Value of Assets Acquired and Liabilities Assumed Gross Carrying Amount and Accumulated Amortization of Identifiable Intangible Assets Schedule of Finite-Lived Intangible Assets [Table Text Block] Summary of Investment Securities That Have Been in a Continuous Unrealized Loss Position for Less Than or Greater Than Twelve Months Schedule of Unrealized Loss on Investments [Table Text Block] Schedule of Available-for-sale Securities [Table] Schedule of Available-for-sale Securities [Line Items] Schedule of Business Acquisitions, by Acquisition [Table] Schedule of Defined Benefit Plans Disclosures [Table] Schedule of Fair Value, Off-balance Sheet Risks [Table] Components of Goodwill Schedule of Goodwill [Table Text Block] Schedule of Segment Reporting Information by Segment Schedule of Segment Reporting Information, by Segment [Table] Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Schedule of Loans Receivable, Net SEGMENT INFORMATION Segment Reporting Disclosure [Text Block] Segments [Domain] SEGMENT INFORMATION [Abstract] Information about reportable segments Segment Reporting Information [Line Items] Mortgage servicing rights Stock-based compensation ACCOUNTING POLICIES Significant Accounting Policies [Text Block] Special Mention [Member] Standby Letters of Credit [Member] Statement [Line Items] Equity Components [Axis] CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY [Abstract] CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) [Abstract] CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) [Abstract] Statement [Table] CONSOLIDATED STATEMENTS OF CONDITION (Unaudited) [Abstract] Segments [Axis] Treasury stock issued to benefit plan, net (in shares) Stock Issued During Period, Shares, Treasury Stock Reissued Common stock issued under employee stock plan, including tax benefits of $928 (in shares) Stock Issued During Period, Shares, Share-based Compensation, Net of Forfeitures Number of common shares authorized to be repurchased (in shares) Treasury stock issued to benefit plan, net Common stock issued under employee stock plan, including tax benefits of $928 Stock Issued During Period, Value, Share-based Compensation, Net of Forfeitures Shareholders' equity: Shareholders' equity: Stockholders' Equity Attributable to Parent [Abstract] Total shareholders' equity Balance Balance Stockholders' Equity Attributable to Parent Supplemental disclosures of cash flow information: Supplemental Cash Flow Elements [Abstract] Office supplies and postage Transfers from loans to other real estate Real Estate Owned, Transfer to Real Estate Owned Financial Instruments [Domain] Treasury Stock [Member] Treasury stock, shares at cost (in shares) Number of common shares repurchased (in shares) Treasury stock, at cost (517,283 and 667,708 shares, respectively) Treasury Stock, Value Troubled Debt Restructurings on Financing Receivables Unallocated Financing Receivables [Member] Obligations of State and Political Subdivisions [Member] US States and Political Subdivisions Debt Securities [Member] U.S. Treasury and Agency Obligations [Member] U.S. Treasury and Agency Securities [Member] Valuation Technique [Axis] Valuation Technique [Domain] Weighted-average common shares outstanding - diluted (in shares) Weighted Average Number of Shares Outstanding, Diluted Weighted Average [Member] Weighted-average common shares outstanding - basic (in shares) Weighted Average Number of Shares Outstanding, Basic The expected number of new branch locations upon completion of the merger, as a result of the acquisition or purchase agreement. Number Of New Branch Locations Included In Acquision Or Agreement Number of new branch locations included in acquisition or purchase agreement Amount of loans acquired in an acquisition. Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Loans Acquired Loans Amount of deposits acquired in an acquisition. Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deposits Acquired Deposits Tabular disclosure regarding loans acquired during the period. Summary of loans acquired [Table Text Block] Summary of Loans Acquired The investor's estimate, at acquisition, of the amount and timing of the interest component of expected cash flows for loans acquired in transfer not accounted for as debt securities. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Interest Component Of Cash Flows Interest component of expected cash flows The acquirer's estimate, at acquisition, of the amount and timing of undiscounted principal, interest, and other cash flows not expected to be collected. Certain Loans Acquired In Transfer Accounted For As Debt Securities Acquired During Period, Contractual Cash Flows Not Expected To Be Collected Contractual cash flows not expected to be collected Loans acquired after January 1, 2009 that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition that the company will be unable to collect all contractually required payments. Acquired Impaired Loans [Member] Loans acquired after January 1, 2009 that do not have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition that the company will be unable to collect all contractually required payments. Acquired Non Impaired Loans [Member] The employee benefit services reportable operating business segment. Employee Benefit Services [Member] The banking reportable operating business segment. Banking [Member] Banking [Member] Minimum assets required for changes in effective tax rate. Minimum assets for changes in effective tax rate Tabular disclosure of the nature and terms of the financial instruments with off-balance sheet risk. Off Balance Sheet Financial Instruments [Table Text Block] Off-Balance-Sheet Financial Instruments Contract Amounts The face amount of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition. Face Value Disclosure Off balance Sheet Risks Face Amount Liability Contract amount of commitments and contingencies Document and Entity Information [Abstract] The fair value of commitments for future sales to third party investors. Forward Sales Commitments, Fair Value Disclosure Forward sales commitments Principal amount of mortgage loans held for sale. Mortgage loans held for sale, at principal value Mortgage loans held for sale, at principal value The fair value of commitments to borrowers for the origination of real estate loans for sale. Loan Origination Commitments Real Estate Fair Value Disclosure Commitments to originate real estate loans for sale A loan is impaired when it is not likely the lender will collect the full value of the loan because the creditworthiness of a borrower has fallen. Impaired Loans [Member] Derivative instrument whose primary underlying risk that is commitments to originate real estate loans for sale. Commitments To Originate Real Estate Loans For Sale [Member] Embedded servicing value, used as an input to measure fair value. Fair Value Inputs, Embedded Servicing Value Embedded servicing value Adequate compensation per loan, used as an input to measure fair value. Fair Value Inputs, Adequate Compensation Adequate compensation Discounted cash flow valuation technique used to measure fair value. Discounted Cash Flow [Member] Capitalized servicing rights, which contractually entitle the servicer to receive fees and ancillary revenues for performing billing, collection, disbursement and recordkeeping services in connection with a mortgage portfolio. Mortgage Servicing Rights [Member] Mortgage Servicing Rights [Member] Other real estate owned asset. Other Real Estate Owned [Member] This is the amount of impaired loans carried at fair value. Impaired Loans Fair Value Disclosure Impaired loans Represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements and in balance sheet in the same submission. Represents the fair value of other real estate owned. Other Real Estate Owned Fair Value Disclosure Other real estate owned Adjustment to the appraisal used to measure fair value for estimated cost of disposal or market adjustment. Fair Value Inputs, Estimated Cost of Disposal or Market Adjustment Discount rate Estimated cost of disposal/market adjustment Commitments to borrowers or third party investors for the origination of real estate loans for sale classified as an asset measured and using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing. Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Loan Origination Commitments Real Estate Commitments to originate real estate loans held for sale, net Fair value of commitments to borrowers or third party investors for the origination and sale of real estate loans. Real Estate Loan Origination and Sale Commitments [Member] Commitments to Originate Real Estate Loans for Sale [Member] The number of unconsolidated subsidiary trust created for the issuance of debt. Such debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets and was initially scheduled to be repaid after one year or beyond the normal operating cycle if longer. Number of Unconsolidated Subsidiary Business Trusts Owned Number of wholly owned, unconsolidated subsidiary trusts Represents a business trust that was formed for the purpose of issuing company-obligated mandatorily redeemable preferred securities to third-party investors and investing the proceeds from the sale of such preferred securities solely in junior subordinated debt securities of the Company. Community Statutory Trust 3 [Member] Community Statutory Trust III [Member] Represents a business trust that was formed for the purpose of issuing company-obligated mandatorily redeemable preferred securities to third-party investors and investing the proceeds from the sale of such preferred securities solely in junior subordinated debt securities of the Company. Community Statutory Trust 4 [Member] Community Capital Trust IV [Member] Stock Repurchase Program [Abstract] Stock Repurchase Program [Abstract] Fee income charged during the period for wealth management and insurance services. Wealth Management and Insurance Services Wealth management services Revenues related to employee benefit services. Employee Benefit Services Employee benefit services Revenues pertaining to bank-related activities not specified elsewhere. Other banking services Other banking services The tax effect of accumulated appreciation or loss in value of the total of available-for-sale securities at the end of an accounting period. Accumulated Other Comprehensive Income (Loss), Available For Sale Securities Adjustment, Tax Effect Tax effect The gross gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost. Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Gross of Tax Unrealized loss for pension and other post-retirement obligations The tax effect of gross gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost. Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Tax Effect Tax effect Accumulated appreciation or loss, in value of the total of available-for-sale securities at the end of an accounting period, before tax. Accumulated Other Comprehensive Income (Loss), Available For Sale Securities Adjustment, Gross Unrealized gain on available-for-sale securities Tabular disclosure of information pertaining to subordinated long-term debt owed to unconsolidated subsidiary trusts, including but not limited to identification of terms, features, collateral requirements and other information necessary to a fair presentation. Junior Subordinated Debenture Owed To Unconsolidated Subsidiary Trust [Table Text Block] Terms of Preferred Securities for Each Trust The entire disclosure for mandatorily redeemable preferred securities due to sponsorship of business trusts. MANDATORILY REDEEMABLE PREFERRED SECURITIES [Text Block] MANDATORILY REDEEMABLE PREFERRED SECURITIES MANDATORILY REDEEMABLE PREFERRED SECURITIES [Abstract] Amount of contractual balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses. Impaired Financing Receivable, Contractual Balance Contractual balance Tabular disclosure of changes to the aggregate cash flows related to loans expected to be collected over the investor's initial investment in the loan. This relates to loans with deteriorating of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. Schedule of accretable discount related to credit impaired acquired loans [Table Text Block] Schedule of Accretable Discount Related to Credit Impaired Acquired Loans Represents the business acquired by the entity. WJL Agencies Inc [Member] Represents the business acquired by the entity. Oneida Financial Corp [Member] Oneida Financial Corp [Member] The undiscounted sum of all amounts, including amounts deemed principal, interest, fees, penalties, and other under the loan, owed to the investor at the reporting date, whether or not currently due and whether or not any such amounts have been written or charged off by the investor. This relates to loans not accounted for as debt securities, with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Impairment Outstanding Balance Credit impaired acquired loans, outstanding balance The typical original contract term of financial receivable, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Financial Receivable, Contract Term Typical contract term Loans acquired after January 1, 2009 that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the company will be unable to collect all contractually required payments. Purchased Impaired [Member] Acquired Impaired [Member] Includes all types of loans, except for business lending loans. All Other Loans [Member] Amount of Business Lending Loans by Credit Quality Category [Abstract] Other Securities [Abstract] Other Securities [Abstract] Federal reserve bank stock. Federal Reserve Bank Stock [Member] Federal Reserve Bank Common Stock [Member] This category includes information about investments in equity securities which are not otherwise provided for in the existing taxonomy in the form of Domain Members or individual elements. Other Equity Securities [Member] This category includes information about ownership interests or the right to acquire ownership interests in corporations and other legal entities which ownership interest is represented by shares of common or preferred stock (which is neither mandatorily redeemable no redeemable at the option of the holder), convertible securities, stock rights, or stock warrants and categorized as available-for-sale. Marketable Equity Security [Member] Marketable Equity Securities [Member] The amount of the accruing outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings. Financing Receivable, Modifications, Recorded Investment, Accruing Troubled debt restructurings, accruing amount Number of financing receivables that have been modified by troubled debt restructurings. Financing Receivable, Modifications, Number of Contracts Troubled debt restructurings, total number Threshold balance of financing receivables classified as a troubled debt restructuring that are collectively evaluated for impairment. Financing Receivable, Modifications, Collectively Evaluated For Impairment, Threshold Balance Threshold balance of TDR loans collectively included in general loan loss allocation and qualitative review The amount of the nonaccrual outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings. Financing Receivable, Modifications, Recorded Investment Nonaccrual Troubled debt restructurings, nonaccrual amount Number of nonaccrual financing receivables that have been modified by troubled debt restructurings. Financing Receivable, Modifications, Number of Contracts, Nonaccrual Troubled debt restructurings, nonaccrual number Number of accruing financing receivables that have been modified by troubled debt restructurings. Financing Receivable, Modifications, Number of Contracts, Accruing Troubled debt restructurings, accruing number The category includes multiclass, pay-through securitizations collateralized by mortgages secured by assets and guaranteed by a US agency, such as automobiles and boats, which are generally structured so that the collections of principal and interest due from the underlying debtors are paid to the holders of the CMO. Government Agency Collateralized Mortgage Obligations [Member] Financing receivables that are more than 29 days past due but fewer than 90 days past due. Financing Receivables, 30 to 89 Days Past Due [Member] Past Due 30 - 89 Days [Member] Loans not purchased or acquired in a business combination after January 1, 2009. Legacy Loan [Member] Legacy Loans [Member] Loans acquired after January 1, 2009 that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the company will be unable to collect all contractually required payments. Financing Receivable, Recorded Investment, Purchased Impaired Acquired impaired Loans acquired after January 1, 2009 that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the company will be unable to collect all contractually required payments. Acquired Impaired [Member] Acquired Impaired [Member] Loans purchased or acquired in a business combination after January 1, 2009. Acquired Loans [Member] Amounts receivable from issuing a installment loans to individuals that allows someone to make a purchase on borrowed money. Consumer Installment Direct [Member] Consumer Direct [Member] A revolving, open-end loan extended under a line of credit or installment loans and secured by the borrower's residential property. Home Equity Receivables [Member] Home Equity [Member] Amounts receivable from issuing a installment loans to individuals through dealerships and secured by auto, marine or other recreational vehicles. Consumer Installment Indirect [Member] Consumer Indirect [Member] The aggregate sum of net carrying value of a all finite-lived intangible asset classes and goodwill, less accumulated amortization and any impairment charges. Intangible assets, net Intangible assets, net Accrued interest on deposits and other liabilities as of the date of the balance sheet of the reporting entity. Accrued Interest and Other Liabilities Accrued interest and other liabilities Intangible assets, net of accumulated amortization, related to bank deposits belonging to an acquired bank that can be counted on as a stable source of lending funds, net of accumulated amortization. These deposits have the following attributes: predictable costs and low sensitivity to interest rates. This intangible asset is usually amortized over its estimated useful life. Core Deposit Intangibles Net Core deposit intangibles, net The carrying amount, net of accumulated amortization as of the balance sheet date of intangible assets not otherwise specified in the taxonomy having a reasonably expected period of economic benefit. Other Finite Lived Intangible Assets Net Other intangibles, net Disclosure of accounting policy for loans acquired after January 1, 2009. Acquired Loans [Policy Text Block] Acquired Loans The cash inflow from settlement of bank-owned life insurance policies. Settlement of Bank-owned Life Insurance Policies Settlement of bank-owned life insurance policies The sum of periodic adjustments charged to earnings related to investment securities, loans and borrowings. As a noncash item this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method. Accretion Amortization on Investments Loans and Borrowings Net accretion on securities, loans and borrowings The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans and leases and other assets that were sold during the reporting period. This element refers to the gain (loss) and not to the cash proceeds of the sales. This element is a adjustment to net income when calculating net cash generated by operating activities using the indirect method. Net gain (loss) on sale of loans and other assets Net (gain) loss on sale of loans and other assets Refers to the number of qualitative environmental factors used in qualitative calculation for loan loss allocation. Number of qualitative environmental factors used in qualitative calculation for loan loss allocation Refers to the number of main loan segments of the entity. Number of main loan segments Refers to the number of calculations used for general loan loss allocation. Number of calculations used for general loan loss allocation Refers to the period of historical net charge-off data for each loan class used in determining allowance level, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Period of historical net charge-off data for each loan class used in determining allowance level Refers to the number of broad components used in the entity's allowance methodology. Number of broad components used in allowance methodology The threshold balance of financing receivable that is individually evaluated for impairment. Financing Receivable, Individually Evaluated for Impairment, Threshold Balance Threshold balance of loan individually evaluated for impairment Allowance for Loan Losses [Abstract] EX-101.PRE 11 cbu-20160630_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE GRAPHIC 12 cbulogomini.jpg begin 644 cbulogomini.jpg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htm IDEA: XBRL DOCUMENT v3.5.0.2
Document and Entity Information - shares
 6 Months Ended
Jun. 30, 2016
Jul. 31, 2016
Document and Entity Information [Abstract]    
Entity Registrant Name COMMUNITY BANK SYSTEM, INC.  
Entity Central Index Key 0000723188  
Current Fiscal Year End Date --12-31  
Entity Well-known Seasoned Issuer Yes  
Entity Voluntary Filers No  
Entity Current Reporting Status Yes  
Entity Filer Category Large Accelerated Filer  
Entity Common Stock, Shares Outstanding   44,262,061
Document Fiscal Year Focus 2016  
Document Fiscal Period Focus Q2  
Document Type 10-Q  
Amendment Flag false  
Document Period End Date Jun. 30, 2016  
XML 14 R2.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF CONDITION (Unaudited) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Assets:    
Cash and cash equivalents $ 161,634 $ 153,210
Available-for-sale investment securities (cost of $2,725,232 and $2,742,278, respectively) 2,889,863 2,808,113
Other securities, at cost 41,438 39,827
Loans held for sale, at fair value 514 932
Loans 4,904,802 4,801,375
Allowance for loan losses (46,526) (45,401)
Net loans 4,858,276 4,755,974
Goodwill, net 465,142 463,252
Core deposit intangibles, net 8,379 9,789
Other intangibles, net 9,957 11,105
Intangible assets, net 483,478 484,146
Premises and equipment, net 112,803 114,434
Accrued interest and fees receivable 26,202 25,904
Other assets 167,903 170,129
Total assets 8,742,111 8,552,669
Liabilities:    
Noninterest-bearing deposits 1,546,253 1,499,616
Interest-bearing deposits 5,411,601 5,373,858
Total deposits 6,957,854 6,873,474
Borrowings 267,600 301,300
Subordinated debt held by unconsolidated subsidiary trusts 102,158 102,146
Accrued interest and other liabilities 177,570 135,102
Total liabilities 7,505,182 7,412,022
Commitments and contingencies (See Note J)
Shareholders' equity:    
Preferred stock, $1.00 par value, 500,000 shares authorized, 0 shares issued 0 0
Common stock, $1.00 par value, 75,000,000 shares authorized; 44,695,978 and 44,442,568 shares issued, respectively 44,696 44,443
Additional paid-in capital 535,568 528,015
Retained earnings 589,559 566,591
Accumulated other comprehensive income 81,035 19,235
Treasury stock, at cost (517,283 and 667,708 shares, respectively) (13,929) (17,637)
Total shareholders' equity 1,236,929 1,140,647
Total liabilities and shareholders' equity $ 8,742,111 $ 8,552,669
XML 15 R3.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF CONDITION (Unaudited) (Parenthetical) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Assets:    
Available-for-sale investment securities, cost $ 2,725,232 $ 2,742,278
Shareholders' equity:    
Preferred stock, par value (in dollars per share) $ 1.00 $ 1.00
Preferred stock, shares authorized (in shares) 500,000 500,000
Preferred stock, shares issued (in shares) 0 0
Common stock, par value (in dollars per share) $ 1.00 $ 1.00
Common stock, shares authorized (in shares) 75,000,000 75,000,000
Common stock, shares issued (in shares) 44,695,978 44,442,568
Treasury stock, shares at cost (in shares) 517,283 667,708
XML 16 R4.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Interest income:        
Interest and fees on loans $ 52,509 $ 45,791 $ 104,159 $ 91,382
Interest and dividends on taxable investments 14,016 13,288 27,612 25,348
Interest on nontaxable investments 4,585 4,801 9,095 9,604
Total interest income 71,110 63,880 140,866 126,334
Interest expense:        
Interest on deposits 1,872 1,731 3,766 3,531
Interest on borrowings 210 294 497 494
Interest on subordinated debt held by unconsolidated subsidiary trusts 722 627 1,416 1,241
Total interest expense 2,804 2,652 5,679 5,266
Net interest income 68,306 61,228 135,187 121,068
Provision for loan losses 2,305 591 3,646 1,214
Net interest income after provision for loan losses 66,001 60,637 131,541 119,854
Noninterest revenues:        
Deposit service fees 15,008 13,213 28,742 25,683
Other banking services 1,597 799 3,176 1,854
Employee benefit services 11,671 11,322 23,682 22,397
Insurance revenues 5,797 325 11,638 724
Wealth management services 4,699 4,060 9,815 8,107
Total noninterest revenues 38,772 29,719 77,053 58,765
Noninterest expenses:        
Salaries and employee benefits 37,950 31,010 77,088 62,039
Occupancy and equipment 7,409 6,844 15,072 14,239
Data processing and communications 8,732 7,473 17,142 14,463
Amortization of intangible assets 1,403 880 2,845 1,799
Legal and professional fees 1,857 1,642 4,374 3,388
Office supplies and postage 1,846 1,517 3,623 3,097
Business development and marketing 2,149 2,258 4,163 3,822
FDIC insurance premiums 1,090 963 2,192 1,952
Acquisition expenses 263 361 340 756
Other expenses 3,657 3,100 7,186 6,441
Total noninterest expenses 66,356 56,048 134,025 111,996
Income before income taxes 38,417 34,308 74,569 66,623
Income taxes 12,560 10,468 24,309 20,486
Net income $ 25,857 $ 23,840 $ 50,260 $ 46,137
Basic earnings per share (in dollars per share) $ 0.58 $ 0.58 $ 1.14 $ 1.13
Diluted earnings per share (in dollars per share) 0.58 0.58 1.13 1.12
Cash dividends declared per share (in dollars per share) $ 0.31 $ 0.30 $ 0.62 $ 0.60
XML 17 R5.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Pension and other post retirement obligations:          
Amortization of actuarial losses included in net periodic pension cost, gross $ 376 $ 363 $ 751 $ 727  
Tax effect (144) (140) (288) (281)  
Amortization of actuarial losses included in net periodic pension cost, net 232 223 463 446  
Amortization of prior service cost included in net periodic pension cost, gross (34) (43) (67) (85)  
Tax effect 13 16 25 33  
Amortization of prior service cost included in net periodic pension cost, net (21) (27) (42) (52)  
Other comprehensive income related to pension and other post retirement obligations, net of taxes 211 196 421 394  
Unrealized gains/(losses) on available-for-sale securities:          
Net unrealized holding gains/(losses) arising during period, gross 31,540 (49,589) 98,796 (18,200)  
Tax effect (12,003) 19,129 (37,417) 5,756  
Net unrealized holding gains/(losses) arising during period, net 19,537 (30,460) 61,379 (12,444)  
Other comprehensive income/(loss) related to unrealized gains/(losses) on available-for-sale securities, net of taxes 19,537 (30,460) 61,379 (12,444)  
Other comprehensive income/(loss), net of tax 19,748 (30,264) 61,800 (12,050)  
Net income 25,857 23,840 50,260 46,137  
Comprehensive income/(loss) 45,605 $ (6,424) 112,060 $ 34,087  
Accumulated Other Comprehensive Income By Component:          
Unrealized loss for pension and other post-retirement obligations (33,663)   (33,663)   $ (34,347)
Tax effect 12,801   12,801   13,064
Net unrealized loss for pension and other post-retirement obligations (20,862)   (20,862)   (21,283)
Unrealized gain on available-for-sale securities 164,631   164,631   65,835
Tax effect (62,734)   (62,734)   (25,317)
Net unrealized gain on available-for-sale securities 101,897   101,897   40,518
Accumulated other comprehensive income $ 81,035   $ 81,035   $ 19,235
XML 18 R6.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited) - 6 months ended Jun. 30, 2016 - USD ($)
$ in Thousands
Common Stock [Member]
Additional Paid-In Capital [Member]
Retained Earnings [Member]
Accumulated Other Comprehensive Income [Member]
Treasury Stock [Member]
Total
Balance at Dec. 31, 2015 $ 44,443 $ 528,015 $ 566,591 $ 19,235 $ (17,637) $ 1,140,647
Balance (in shares) at Dec. 31, 2015 43,774,860          
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income     50,260     50,260
Other comprehensive income, net of tax       61,800   61,800
Cash dividends declared:            
Common, $0.62 per share     (27,292)     (27,292)
Common stock issued under employee stock plan, including tax benefits of $928 $ 253 3,629       3,882
Common stock issued under employee stock plan, including tax benefits of $928 (in shares) 253,410          
Stock-based compensation   2,220       2,220
Treasury stock issued to benefit plan, net   1,704     3,708 5,412
Treasury stock issued to benefit plan, net (in shares) 150,425          
Balance at Jun. 30, 2016 $ 44,696 $ 535,568 $ 589,559 $ 81,035 $ (13,929) $ 1,236,929
Balance (in shares) at Jun. 30, 2016 44,178,695          
XML 19 R7.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited) (Parenthetical)
$ in Thousands
 6 Months Ended
Jun. 30, 2016
USD ($)
$ / shares
Cash dividends declared:  
Dividends declared per common share (in dollars per share) | $ / shares $ 0.62
Common stock issued under employee stock plan, tax benefits | $ $ 928
XML 20 R8.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Operating activities:    
Net income $ 50,260 $ 46,137
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation 7,150 6,533
Amortization of intangible assets 2,845 1,799
Net accretion on securities, loans and borrowings (2,240) (1,505)
Stock-based compensation 2,220 2,150
Provision for loan losses 3,646 1,214
Amortization of mortgage servicing rights 257 206
Income from bank-owned life insurance policies (736) (515)
Net (gain) loss on sale of loans and other assets (318) 21
Change in other assets and liabilities 4,648 (2,060)
Net cash provided by operating activities 67,732 53,980
Investing activities:    
Proceeds from maturities of available-for-sale investment securities 49,500 89,631
Proceeds from maturities of other investment securities 3,001 172
Purchases of available-for-sale investment securities (28,237) (448,747)
Purchases of other securities (4,612) (10,312)
Net change in loans (108,983) (31,173)
Cash paid for acquisition, net of cash acquired of $0 and $0, respectively (575) 0
Expenditure for intangible asset 0 (100)
Settlement of bank-owned life insurance policies 2,481 0
Purchases of premises and equipment, net (5,569) (5,810)
Net cash used in investing activities (92,994) (406,339)
Financing activities:    
Net increase in deposits 84,380 151,556
Net change in borrowings (33,700) 228,200
Issuance of common stock 3,882 5,613
Purchases of treasury stock (716) (9,125)
Sales of treasury stock 6,128 4,063
Cash dividends paid (27,216) (24,360)
Tax benefits from share-based payment arrangements 928 1,063
Net cash provided by financing activities 33,686 357,010
Change in cash and cash equivalents 8,424 4,651
Cash and cash equivalents at beginning of period 153,210 138,396
Cash and cash equivalents at end of period 161,634 143,047
Supplemental disclosures of cash flow information:    
Cash paid for interest 5,689 5,321
Cash paid for income taxes 14,174 13,291
Supplemental disclosures of noncash financing and investing activities:    
Dividends declared and unpaid 13,681 12,247
Transfers from loans to other real estate 1,071 1,830
Purchase of intangible asset $ 0 $ 241
XML 21 R9.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (Parenthetical) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Investing activities:    
Cash acquired from acquisition $ 0 $ 0
XML 22 R10.htm IDEA: XBRL DOCUMENT v3.5.0.2
BASIS OF PRESENTATION
 6 Months Ended
Jun. 30, 2016
BASIS OF PRESENTATION [Abstract]  
BASIS OF PRESENTATION
NOTE A:  BASIS OF PRESENTATION

The interim financial data as of and for the three and six months ended June 30, 2016 is unaudited; however, in the opinion of Community Bank System, Inc. (the "Company"), the interim data includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for the interim periods in conformity with generally accepted accounting principles ("GAAP").  The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period.
XML 23 R11.htm IDEA: XBRL DOCUMENT v3.5.0.2
ACQUISITIONS
 6 Months Ended
Jun. 30, 2016
ACQUISITIONS [Abstract]  
ACQUISITIONS
NOTE B:  ACQUISITIONS

On January 4, 2016, the Company, through its subsidiary, CBNA Insurance Agency, Inc. ("CBNA Insurance"), completed its acquisition of WJL Agencies Inc. doing business as The Clark Insurance Agencies ("WJL"), an insurance agency operating in northern New York. The Company paid $0.6 million in cash for the intangible assets of the company.  Goodwill in the amount of $0.3 million and intangible assets in the amount of $0.3 million were recorded in conjunction with the acquisition.  The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.

On December 4, 2015, the Company completed its acquisition of Oneida Financial Corp. ("Oneida"), parent company of Oneida Savings Bank, headquartered in Oneida, New York for approximately $158 million in Company stock and cash, comprised of $56.3 million of cash and the issuance of 2.38 million shares of common stock.  Upon the completion of the merger, Community Bank, N.A. ("CBNA" or the "Bank") added 12 branch locations in Oneida and Madison counties and approximately $769 million of assets, including approximately $399 million of loans and $226 million of investment securities, along with $699 million of deposits.  Through the acquisition of Oneida, the Company acquired, among others, OneGroup NY, Inc. ("OneGroup") and Oneida Wealth Management, Inc. ("OWM") as wholly-owned subsidiaries primarily engaged in offering insurance and investment advisory services.  These subsidiaries complement the Company's other non-banking financial services businesses. The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.

The assets and liabilities assumed in the acquisitions were recorded at their estimated fair values based on management's best estimates using information available at the date of the acquisition, and were subject to adjustment based on updated information not available at the time of acquisition.  During the first quarter of 2016, the carrying amount of other assets decreased by $0.9 million and other liabilities increased by $0.7 million as a result of adjustments made to fair value estimates recorded for the Oneida acquisition. Other assets decreased as a result of new information obtained related to the fair value calculation of loans partially offset by a decrease in the fair value adjustment made to accounts receivable for uncollectible accounts as actual cash receipts exceed anticipated cash receipts.  Other liabilities increased as a result of updated information related to deferred taxes.  Goodwill increased $1.6 million as a result of these changes in fair value estimates.

The above referenced acquisitions expanded the Company's geographical presence in New York and management expects that the Company will benefit from greater geographic diversity and the advantages of other synergistic business development opportunities.

The following table summarizes the estimated fair value of the assets acquired and liabilities assumed after considering the measurement period adjustments described above:

(000s omitted)
 
2016
  
2015
 
Consideration paid :
      
   Cash
 
$
575
  
$
56,266
 
   Community Bank System, Inc. common stock
  
0
   
102,202
 
   Total net consideration paid
  
575
   
158,468
 
Recognized amounts of identifiable assets acquired and liabilities assumed:
        
Cash and cash equivalents
  
0
   
81,772
 
Investment securities
  
0
   
225,729
 
Loans
  
0
   
399,422
 
Premises and equipment
  
0
   
22,212
 
Accrued interest receivable
  
0
   
1,133
 
Other assets
  
0
   
26,529
 
Core deposit intangibles
  
0
   
2,570
 
Other intangibles
  
288
   
9,994
 
Deposits
  
0
   
(699,241
)
Other liabilities
  
0
   
(1,333
)
  Total identifiable assets, net
  
288
   
68,787
 
     Goodwill
 
$
287
  
$
89,681
 
 
Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments were aggregated by comparable characteristics and  recorded at fair value without a carryover of the related allowance for loan losses.  Cash flows for each loan were determined using an estimate of credit losses and an estimated rate of prepayments.  Projected monthly cash flows were then discounted to present value using a market-based discount rate.  The excess of the undiscounted expected cash flows over the estimated fair value is referred to as the "accretable yield" and is recognized into interest income over the remaining lives of the acquired loans.

The following is a summary of the loans acquired from Oneida at the date of acquisition:

  
Acquired
  
Acquired
  
Total
 
  
Impaired
  
Non-impaired
  
Acquired
 
(000s omitted)
 
Loans
  
Loans
  
Loans
 
Contractually required principal and interest at acquisition
 
$
5,138
  
$
484,937
  
$
490,075
 
Contractual cash flows not expected to be collected
  
(1,977
)
  
(4,833
)
  
(6,810
)
    Expected cash flows at acquisition
  
3,161
   
480,104
   
483,265
 
Interest component of expected cash flows
  
(341
)
  
(83,502
)
  
(83,843
)
   Fair value of acquired loans
 
$
2,820
  
$
396,602
  
$
399,422
 

The fair value of checking, savings and money market deposit accounts acquired were assumed to approximate the carrying value as these accounts have no stated maturity and are payable on demand.  Certificate of deposit accounts were valued at the present value of the certificates' expected contractual payments discounted at market rates for similar certificates.

The core deposit intangibles and other intangibles related to the Oneida acquisition and the other intangibles related to WJL are being amortized using an accelerated method over their estimated useful life of eight years.  The goodwill, which is not amortized for book purposes, was assigned to the Banking and All Other segments for the Oneida acquisition and the All Other segment for WJL.  Goodwill arising from the Oneida acquisition is not deductible for tax purposes.  Goodwill arising from the WJL acquisition is deductible for tax purposes.

Direct costs related to the acquisitions were expensed as incurred.  Merger and acquisition integration-related expenses amount to $0.3 million and $0.4 million during the three months ended June 30, 2016 and 2015 and $0.3 million and $0.8 million for the six months ended June 30, 2016 and 2015, respectively, and have been separately stated in the Consolidated Statements of Income.

Supplemental Pro Forma Financial Information
The following unaudited condensed pro forma information assumes the Oneida acquisition had been completed as of January 1, 2015 for the three months and six months ended June 30, 2015.  The pro forma information does not include amounts related to WJL as the amounts were immaterial and financial information is not readily available. The table below has been prepared for comparative purposes only and is not necessarily indicative of the actual results that would have been attained had the acquisition occurred as of the beginning of the years presented, nor is it indicative of the Company's future results. Furthermore, the unaudited pro forma information does not reflect management's estimate of any revenue-enhancing opportunities nor anticipated cost savings or the impact of conforming certain acquiree accounting policies to the Company's policies that may have occurred as a result of the integration and consolidation of the acquisitions.

 
The pro forma information set forth below reflects the historical results of Oneida combined with the Company's consolidated statement of income with adjustments related to (a) certain purchase accounting fair value adjustments; (b) amortization of customer lists and core deposit intangibles and (c) changes to effective tax rate as a result of the Company's assets size being above $8 billion on a consolidated basis.  Acquisition-related expenses totaling $0.4 million and $0.8 million are excluded from the pro forma information for the three and six months ended June 30, 2015, respectively.
 
(000's omitted)
 
Pro Forma (Unaudited)
Three Months Ended
June 30, 2015
  
Pro Forma (Unaudited)
Six Months Ended
June 30, 2015
 
Total revenue, net of interest expense
 
$
104,069
  
$
207,010
 
Net income
  
24,770
   
48,501
 
XML 24 R12.htm IDEA: XBRL DOCUMENT v3.5.0.2
ACCOUNTING POLICIES
 6 Months Ended
Jun. 30, 2016
ACCOUNTING POLICIES [Abstract]  
ACCOUNTING POLICIES
NOTE C:  ACCOUNTING POLICIES

The accounting policies of the Company, as applied in the consolidated interim financial statements presented herein, are substantially the same as those followed on an annual basis as presented on pages 56 through 61 of the Annual Report on Form 10-K for the year ended December 31, 2015 filed with the Securities and Exchange Commission ("SEC") on February 29, 2016.

Critical Accounting Policies

Acquired Loans
Acquired loans are initially recorded at their acquisition date fair values.  The carryover of allowance for loan losses is prohibited as any credit losses in the loans are included in the determination of the fair value of the loans at the acquisition date. Fair values for acquired loans are based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.

Acquired Impaired Loans
Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments are accounted for as impaired loans under Accounting Standards Codification ("ASC") 310-30.  The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loans using the interest method. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount. The non-accretable discount represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.

Acquired loans that met the criteria for non-accrual of interest prior to acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, the Company may no longer consider the loans to be non-accrual or non-performing and may accrue interest on these loans, including the impact of any accretable discount.

Acquired Non-impaired Loans
Acquired loans that do not meet the requirements under ASC 310-30 are considered acquired non-impaired loans. The difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Fair value adjustments may be discounts (or premiums) to a loan's cost basis and are accreted (or amortized) to net interest income (or expense) over the loan's remaining life in accordance with ASC 310-20. Fair value adjustments for revolving loans are accreted (or amortized) using a straight line method. Term loans are accreted (or amortized) using the constant effective yield method.

Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans are consistent with the policy described below.  However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.  The carrying value represents the net of the loan's unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.  When the carrying value exceeds the net realizable value, an allowance for loan loss is recognized.

Allowance for Loan Losses
Management continually evaluates the credit quality of the Company's loan portfolio, and performs a formal review of the adequacy of the allowance for loan losses on a quarterly basis.  The allowance reflects management's best estimate of probable losses inherent in the loan portfolio.  Determination of the allowance is subjective in nature and requires significant estimates.   The Company's allowance methodology consists of two broad components - general and specific loan loss allocations.
 
The general loan loss allocation is composed of two calculations that are computed on five main loan segments:  business lending; consumer direct; consumer indirect; home equity; and consumer mortgage.  The first calculation is quantitative and determines an allowance level based on the latest 36 months of historical net charge-off data for each loan class (commercial loans exclude balances with specific loan loss allocations).  The second calculation is qualitative and takes into consideration eight qualitative environmental factors:  levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.    A component of the qualitative calculation is the unallocated allowance for loan loss.  The qualitative and quantitative calculations are added together to determine the general loan loss allocation.  The specific loan loss allocation relates to individual commercial loans that are both greater than $0.5 million and in a nonaccruing status with respect to interest.  Specific loan losses are based on discounted estimated cash flows, including any cash flows resulting from the conversion of collateral or collateral shortfalls.  The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances and allowances needed for acquired loans to derive the total required allowance for loan losses to be reflected on the Consolidated Statement of Condition.

Loan losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance.  A provision for loan losses is charged to operations based on management's periodic evaluation of factors previously mentioned.

Investment Securities
The Company can classify its investments in debt and equity securities as held-to-maturity, available-for-sale, or trading.  Held-to-maturity securities are those for which the Company has the positive intent and ability to hold until maturity, and are reported at cost, which is adjusted for amortization of premiums and accretion of discounts.  Securities classified as available-for-sale are reported at fair value with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of applicable income taxes.  None of the Company's investment securities have been classified as trading securities at June 30, 2016.  Certain equity securities are stated at cost and include restricted stock of the Federal Reserve Bank of New York ("Federal Reserve") and Federal Home Loan Bank of New York ("FHLB").

Fair values for investment securities are based upon quoted market prices, where available.  If quoted market prices are not available, fair values are based upon quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.

The Company conducts an assessment of all securities in an unrealized loss position to determine if other-than-temporary impairment ("OTTI") exists on a quarterly basis. An unrealized loss exists when the current fair value of an individual security is less than its amortized cost basis.  The OTTI assessment considers the security structure, recent security collateral performance metrics, if applicable, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment about, and expectations of, future performance, and relevant independent industry research, analysis and forecasts. The severity of the impairment and the length of time the security has been impaired is also considered in the assessment.  The assessment of whether an OTTI decline exists is performed on each security, regardless of the classification of the security as available-for-sale or held-to-maturity and involves a high degree of subjectivity and judgment that is based on the information available to management at a point in time.

An OTTI loss must be recognized for a debt security in an unrealized loss position if there is intent to sell the security or it is more likely than not the Company will be required to sell the security prior to recovery of its amortized cost basis. In this situation, the amount of loss recognized in income is equal to the difference between the fair value and the amortized cost basis of the security. Even if management does not have the intent, and it is not more likely than not that the Company will be required to sell the securities, an evaluation of the expected cash flows to be received is performed to determine if a credit loss has occurred. For debt securities, a critical component of the evaluation for OTTI is the identification of credit-impaired securities, where the Company does not expect to receive cash flows sufficient to recover the entire amortized cost basis of the security.  In the event of a credit loss, only the amount of impairment associated with the credit loss would be recognized in income. The portion of the unrealized loss relating to other factors, such as liquidity conditions in the market or changes in market interest rates, is recorded in accumulated other comprehensive loss.

Equity securities are also evaluated to determine whether the unrealized loss is expected to be recoverable based on whether evidence exists to support a realizable value equal to or greater than the amortized cost basis. If it is probable that the amortized cost basis will not be recovered, taking into consideration the estimated recovery period and the ability to hold the equity security until recovery, OTTI is recognized in earnings equal to the difference between the fair value and the amortized cost basis of the security.

The specific identification method is used in determining the realized gains and losses on sales of investment securities and OTTI charges.  Premiums and discounts on securities are amortized and accreted, respectively, on the interest method basis over the period to maturity or estimated life of the related security.  Purchases and sales of securities are recognized on a trade date basis.

 
Intangible Assets
Intangible assets include core deposit intangibles, customer relationship intangibles and goodwill arising from acquisitions. Core deposit intangibles and customer relationship intangibles are amortized on either an accelerated or straight-line basis over periods ranging from seven to 20 years. The initial and ongoing carrying value of goodwill and other intangible assets is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.  It also requires use of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, peer volatility indicators, and company-specific risk indicators.

The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.  The implied fair value of a reporting unit's goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value over fair value.  The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.

Retirement Benefits
The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.  The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees, officers, and directors.  Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including discount rate, rate of future compensation increases, and expected return on plan assets.

New Accounting Pronouncements
In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606).  This new guidance supersedes the revenue recognition requirements in ASC 605, Revenue Recognition, and is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects consideration to which the entity expects to be entitled in exchange for those goods and services. The ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract.  This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2017.  The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.

In January 2016, the FASB issued ASU 2016-1, Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. This guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The primary focus of this guidance is to supersede the guidance to classify equity securities with readily determinable fair values into different categories (trading or available-for-sale) and requires equity securities to be measured at fair value with changes in the fair value recognized through net income. This guidance requires adoption through a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption.  This ASU is effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years.  Early adoption is permitted for all companies in any interim or annual period. The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.

In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842). This new guidance supersedes the lease requirements in Topic 840, Leases and is based on the principle that a lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term.  The accounting applied by a lessor is largely unchanged from that applied under the previous guidance.  In addition, the guidance requires an entity to separate the lease components from the nonlease components in a contract.  The ASU requires disclosures about the amount, timing, and judgments related to a reporting entity's accounting for leases and related cash flows.  The standard is required to be applied to all leases in existence as of the date of adoption using a modified retrospective transition approach.  This guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early adoption is permitted for all companies in any interim or annual period.  The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.

In March 2016, the FASB issued ASU 2016-09, Compensation – Stock Compensation (Topic 718).  The amendments simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities and classification on the statement of cash flows.  The new guidance requires all excess tax benefits and tax deficiencies be recognized as income tax expense or benefit in the income statement.  The tax effects of exercised or vested awards should be treated as discrete items in the reporting period in which they occur. This guidance requires certain amendments to be applied through a cumulative-effect adjustment to equity as of the beginning of the fiscal period in which the guidance is adopted while other amendments are required to be applied retrospectively or prospectively.  This ASU is effective for fiscal periods beginning after December 15, 2016, and interim periods within those annual periods.  Early adoption is permitted for any entity in any interim or annual period.   The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.
 
In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326).  This new guidance significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income.  This ASU will replace the "incurred loss" model under existing guidance with an "expected loss" model for instruments measured at amortized cost, and require entities to record allowances for available-for-sale debt securities rather than reduce the carrying amount, as they do today under the other-than-temporary impairment model.  This ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans.  This guidance requires adoption through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is adopted.  This ASU is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years.  Early adoption is permitted for all companies as of fiscal years beginning after December 15, 2018, including interim periods within those fiscal years.  The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.
XML 25 R13.htm IDEA: XBRL DOCUMENT v3.5.0.2
INVESTMENT SECURITIES
 6 Months Ended
Jun. 30, 2016
INVESTMENT SECURITIES [Abstract]  
INVESTMENT SECURITIES
NOTE D:  INVESTMENT SECURITIES

The amortized cost and estimated fair value of investment securities as of June 30, 2016 and December 31, 2015 are as follows:

  
June 30, 2016
  
December 31, 2015
 
     
Gross
  
Gross
        
Gross
  
Gross
    
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
 
(000's omitted)
 
Cost
  
Gains
  
Losses
  
Value
  
Cost
  
Gains
  
Losses
  
Value
 
Available-for-Sale Portfolio:
                        
U.S. Treasury and agency securities
 
$
1,871,049
  
$
121,608
  
$
0
  
$
1,992,657
  
$
1,866,819
  
$
35,186
  
$
2,027
  
$
1,899,978
 
Obligations of state and political subdivisions
  
611,129
   
34,360
   
1
   
645,488
   
640,455
   
26,487
   
59
   
666,883
 
Government agency mortgage-backed securities
  
215,191
   
8,235
   
287
   
223,139
   
205,220
   
6,906
   
1,261
   
210,865
 
Corporate debt securities
  
16,606
   
54
   
0
   
16,660
   
16,672
   
66
   
58
   
16,680
 
Government agency collateralized mortgage obligations
  
11,006
   
496
   
0
   
11,502
   
12,862
   
446
   
0
   
13,308
 
Marketable equity securities
  
251
   
187
   
21
   
417
   
250
   
163
   
14
   
399
 
     Total available-for-sale portfolio
 
$
2,725,232
  
$
164,940
  
$
309
  
$
2,889,863
  
$
2,742,278
  
$
69,254
  
$
3,419
  
$
2,808,113
 
                                 
Other Securities:
                                
Federal Home Loan Bank common stock
 
$
17,732
          
$
17,732
  
$
19,317
          
$
19,317
 
Federal Reserve Bank common stock
  
19,780
           
19,780
   
16,050
           
16,050
 
Other equity securities
  
3,926
           
3,926
   
4,460
           
4,460
 
     Total other securities
 
$
41,438
          
$
41,438
  
$
39,827
          
$
39,827
 

A summary of investment securities that have been in a continuous unrealized loss position is as follows:

As of June 30, 2016
 
  
Less than 12 Months
  
12 Months or Longer
  
Total
 
        
Gross
        
Gross
        
Gross
 
     
Fair
  
Unrealized
     
Fair
  
Unrealized
     
Fair
  
Unrealized
 
(000's omitted)
  
#
  
Value
  
Losses
   
#
  
Value
  
Losses
   
#
  
Value
  
Losses
 
                               
Available-for-Sale Portfolio:
                              
 Obligations of state and political subdivisions
  
3
  
$
842
  
$
1
   
0
  
$
0
  
$
0
   
3
  
$
842
  
$
1
 
 Government agency mortgage-backed securities
  
5
   
1,128
   
9
   
14
   
23,688
   
278
   
19
   
24,816
   
287
 
 Corporate debt securities
  
1
   
3,000
   
0
   
0
   
0
   
0
   
1
   
3,000
   
0
 
 Government agency collateralized mortgage obligations
  
0
   
0
   
0
   
2
   
3
   
0
   
2
   
3
   
0
 
 Marketable equity securities
  
1
   
79
   
21
   
0
   
0
   
0
   
1
   
79
   
21
 
    Total available-for-sale investment portfolio
  
10
  
$
5,049
  
$
31
   
16
  
$
23,691
  
$
278
   
26
  
$
28,740
  
$
309
 
 
 
 
 
 
 
 
 
 
 
 
As of December 31, 2015
 
  
Less than 12 Months
  
12 Months or Longer
  
Total
 
        
Gross
        
Gross
        
Gross
 
     
Fair
  
Unrealized
     
Fair
  
Unrealized
     
Fair
  
Unrealized
 
(000's omitted)
  
#
  
Value
  
Losses
   
#
  
Value
  
Losses
   
#
  
Value
  
Losses
 
                               
Available-for-Sale Portfolio:
                              
 U.S. Treasury and agency obligations
  
9
  
$
353,844
  
$
2,027
   
0
  
$
0
  
$
0
   
9
  
$
353,844
  
$
2,027
 
 Obligations of state and political subdivisions
  
18
   
8,804
   
34
   
2
   
735
   
25
   
20
   
9,539
   
59
 
 Government agency mortgage-backed securities
  
17
   
24,178
   
161
   
19
   
30,103
   
1,100
   
36
   
54,281
   
1,261
 
 Corporate debt securities
  
1
   
3,024
   
0
   
1
   
2,710
   
58
   
2
   
5,734
   
58
 
 Government agency collateralized mortgage obligations
  
0
   
0
   
0
   
2
   
3
   
0
   
2
   
3
   
0
 
 Marketable equity securities
  
1
   
87
   
14
   
0
   
0
   
0
   
1
   
87
   
14
 
    Total available-for-sale investment portfolio
  
46
  
$
389,937
  
$
2,236
   
24
  
$
33,551
  
$
1,183
   
70
  
$
423,488
  
$
3,419
 

The unrealized losses reported pertaining to securities issued by the U.S. government and its sponsored entities, include treasuries, agencies, and mortgage-backed securities issued by the Government National Mortgage Association ("GNMA"), the Federal National Mortgage Association ("FNMA"), and the Federal Home Loan Corporation ("FHLMC"), which are currently rated AAA by Moody's Investor Services, AA+ by Standard & Poor's and are guaranteed by the U.S. government. The majority of the obligations of state and political subdivisions and corporations carry a credit rating of A or better.  Additionally, a majority of the obligations of state and political subdivisions carry a secondary level of credit enhancement. The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to recovery of the amortized cost. The unrealized losses in the portfolios are primarily attributable to changes in interest rates.  As such, management does not believe any individual unrealized loss as of June 30, 2016 represents OTTI.

The amortized cost and estimated fair value of debt securities at June 30, 2016, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately.

  
Available-for-Sale
 
  
Amortized
  
Fair
 
(000's omitted)
 
Cost
  
Value
 
Due in one year or less
 
$
46,761
  
$
47,048
 
Due after one through five years
  
775,417
   
815,276
 
Due after five years through ten years
  
1,465,017
   
1,564,831
 
Due after ten years
  
211,589
   
227,650
 
     Subtotal
  
2,498,784
   
2,654,805
 
Government agency mortgage-backed securities
  
215,191
   
223,139
 
Government agency collateralized mortgage obligations
  
11,006
   
11,502
 
     Total
 
$
2,724,981
  
$
2,889,446
 
XML 26 R14.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS
 6 Months Ended
Jun. 30, 2016
LOANS [Abstract]  
LOANS
NOTE E:  LOANS

The segments of the Company's loan portfolio are disaggregated into the following classes that allow management to monitor risk and performance:
 
·
Consumer mortgages consist primarily of fixed rate residential instruments, typically 10 – 30 years in contractual term, secured by first liens on real property.
·
Business lending is comprised of general purpose commercial and industrial loans including, but not limited to, agricultural-related and dealer floor plans, as well as mortgages on commercial properties.
·
Consumer indirect consists primarily of installment loans originated through selected dealerships and are secured by automobiles, marine and other recreational vehicles.
·
Consumer direct consists of all other loans to consumers such as personal installment loans and lines of credit.
·
Home equity products are consumer purpose installment loans or lines of credit most often secured by a first or second lien position on residential real estate with terms up to 30 years.
 
The balances of these classes are summarized as follows:
 
  
June 30,
  
December 31,
 
(000's omitted)
 
2016
  
2015
 
Consumer mortgage
 
$
1,779,295
  
$
1,769,754
 
Business lending
  
1,536,546
   
1,497,271
 
Consumer indirect
  
993,132
   
935,760
 
Consumer direct
  
195,959
   
195,076
 
Home equity
  
399,870
   
403,514
 
  Gross loans, including deferred origination costs
  
4,904,802
   
4,801,375
 
Allowance for loan losses
  
(46,526
)
  
(45,401
)
Loans, net of allowance for loan losses
 
$
4,858,276
  
$
4,755,974
 

The outstanding balance related to credit impaired acquired loans was $8.1 million and $8.5 million at June 30, 2016 and December 31, 2015, respectively.  The changes in the accretable discount related to the credit impaired acquired loans are as follows:

(000's omitted)
   
Balance at December 31, 2015
 
$
810
 
Accretion recognized, year-to-date
  
(252
)
Net reclassification to accretable from non-accretable
  
116
 
Balance at June 30, 2016
 
$
674
 

Credit Quality
Management monitors the credit quality of its loan portfolio on an ongoing basis.  Measurement of delinquency and past due status are based on the contractual terms of each loan.  Past due loans are reviewed on a monthly basis to identify loans for non-accrual status.  The following is an aged analysis of the Company's past due loans, by class as of June 30, 2016:

Legacy Loans (excludes loans acquired after January 1, 2009)

  
Past Due
  
90+ Days Past
             
  
30 – 89
  
Due and
     
Total
       
(000's omitted)
 
Days
  
Still Accruing
  
Nonaccrual
  
Past Due
  
Current
  
Total Loans
 
Consumer mortgage
 
$
9,857
  
$
1,018
  
$
11,621
  
$
22,496
  
$
1,581,063
  
$
1,603,559
 
Business lending
  
5,660
   
342
   
4,714
   
10,716
   
1,279,860
   
1,290,576
 
Consumer indirect
  
9,356
   
142
   
0
   
9,498
   
946,646
   
956,144
 
Consumer direct
  
1,179
   
26
   
0
   
1,205
   
182,127
   
183,332
 
Home equity
  
815
   
45
   
1,924
   
2,784
   
303,665
   
306,449
 
Total
 
$
26,867
  
$
1,573
  
$
18,259
  
$
46,699
  
$
4,293,361
  
$
4,340,060
 

Acquired Loans (includes loans acquired after January 1, 2009)

  
Past Due
  
90+ Days Past
                
  
30 – 89
  
Due and
     
Total
  
Acquired
       
(000's omitted)
 
Days
  
Still Accruing
  
Nonaccrual
  
Past Due
  
Impaired(1)
  
Current
  
Total Loans
 
Consumer mortgage
 
$
1,565
  
$
270
  
$
2,223
  
$
4,058
  
$
0
  
$
171,678
  
$
175,736
 
Business lending
  
340
   
0
   
1,260
   
1,600
   
7,008
   
237,362
   
245,970
 
Consumer indirect
  
168
   
0
   
0
   
168
   
0
   
36,820
   
36,988
 
Consumer direct
  
84
   
0
   
0
   
84
   
0
   
12,543
   
12,627
 
Home equity
  
684
   
66
   
408
   
1,158
   
0
   
92,263
   
93,421
 
Total
 
$
2,841
  
$
336
  
$
3,891
  
$
7,068
  
$
7,008
  
$
550,666
  
$
564,742
 

 
(1)
Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
 
 
The following is an aged analysis of the Company's past due loans by class as of December 31, 2015:

Legacy Loans (excludes loans acquired after January 1, 2009)

  
Past Due
  
90+ Days Past
             
  
30 – 89
  
Due and
     
Total
       
(000's omitted)
 
Days
  
Still Accruing
  
Nonaccrual
  
Past Due
  
Current
  
Total Loans
 
Consumer mortgage
 
$
10,482
  
$
1,411
  
$
11,394
  
$
23,287
  
$
1,558,171
  
$
1,581,458
 
Business lending
  
4,442
   
126
   
5,381
   
9,949
   
1,223,679
   
1,233,628
 
Consumer indirect
  
11,575
   
102
   
0
   
11,677
   
878,662
   
890,339
 
Consumer direct
  
1,414
   
51
   
1
   
1,466
   
176,585
   
178,051
 
Home equity
  
1,093
   
111
   
2,029
   
3,233
   
297,012
   
300,245
 
Total
 
$
29,006
  
$
1,801
  
$
18,805
  
$
49,612
  
$
4,134,109
  
$
4,183,721
 

Acquired Loans (includes loans acquired after January 1, 2009)

  
Past Due
  
90+ Days Past
                
  
30 – 89
  
Due and
     
Total
  
Acquired
       
(000's omitted)
 
Days
  
Still Accruing
  
Nonaccrual
  
Past Due
  
Impaired(1)
  
Current
  
Total Loans
 
Consumer mortgage
 
$
1,373
  
$
394
  
$
1,396
  
$
3,163
  
$
0
  
$
185,133
  
$
188,296
 
Business lending
  
535
   
0
   
1,186
   
1,721
   
7,299
   
254,623
   
263,643
 
Consumer indirect
  
245
   
0
   
0
   
245
   
0
   
45,176
   
45,421
 
Consumer direct
  
140
   
0
   
14
   
154
   
0
   
16,871
   
17,025
 
Home equity
  
636
   
0
   
327
   
963
   
0
   
102,306
   
103,269
 
Total
 
$
2,929
  
$
394
  
$
2,923
  
$
6,246
  
$
7,299
  
$
604,109
  
$
617,654
 
 
 
(1)
Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
 
The Company uses several credit quality indicators to assess credit risk in an ongoing manner.  The Company's primary credit quality indicator for its business lending portfolio is an internal credit risk rating system that categorizes loans as "pass", "special mention",  "classified", or "doubtful".  Credit risk ratings are applied individually to those classes of loans that have significant or unique credit characteristics that benefit from a case-by-case evaluation.  In general, the following are the definitions of the Company's credit quality indicators:

 
Pass
 
The condition of the borrower and the performance of the loans are satisfactory or better.
 
Special Mention
 
The condition of the borrower has deteriorated although the loan performs as agreed.
 
Classified
 
The condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate, if deficiencies are not corrected.
 
Doubtful
The condition of the borrower has deteriorated to the point that collection of the balance is improbable based on current facts and conditions.
 
The following table shows the amount of business lending loans by credit quality category:

  
June 30, 2016
  
December 31, 2015
 
(000's omitted)
 
Legacy
  
Acquired
  
Total
  
Legacy
  
Acquired
  
Total
 
Pass
 
$
1,082,841
  
$
186,526
  
$
1,269,367
  
$
1,048,364
  
$
219,374
  
$
1,267,738
 
Special mention
  
135,172
   
31,724
   
166,896
   
124,768
   
20,007
   
144,775
 
Classified
  
72,283
   
20,712
   
92,995
   
60,181
   
16,963
   
77,144
 
Doubtful
  
280
   
0
   
280
   
315
   
0
   
315
 
Acquired impaired
  
0
   
7,008
   
7,008
   
0
   
7,299
   
7,299
 
Total
 
$
1,290,576
  
$
245,970
  
$
1,536,546
  
$
1,233,628
  
$
263,643
  
$
1,497,271
 
 
All other loans are underwritten and structured using standardized criteria and characteristics, primarily payment performance, and are normally risk rated and monitored collectively on a monthly basis.  These are typically loans to individuals in the consumer categories and are delineated as either performing or nonperforming.   Performing loans include loans classified as current as well as those classified as 30 - 89 days past due.  Nonperforming loans include 90+ days past due and still accruing and nonaccrual loans. The following table details the balances in all other loan categories at June 30, 2016:

Legacy Loans (excludes loans acquired after January 1, 2009)
 
  
Consumer
  
Consumer
  
Consumer
  
Home
    
(000's omitted)
 
Mortgage
  
Indirect
  
Direct
  
Equity
  
Total
 
Performing
 
$
1,590,920
  
$
956,002
  
$
183,306
  
$
304,480
  
$
3,034,708
 
Nonperforming
  
12,639
   
142
   
26
   
1,969
   
14,776
 
Total
 
$
1,603,559
  
$
956,144
  
$
183,332
  
$
306,449
  
$
3,049,484
 

Acquired Loans (includes loans acquired after January 1, 2009)

  
Consumer
  
Consumer
  
Consumer
  
Home
    
(000's omitted)
 
Mortgage
  
Indirect
  
Direct
  
Equity
  
Total
 
Performing
 
$
173,243
  
$
36,988
  
$
12,627
  
$
92,947
  
$
315,805
 
Nonperforming
  
2,493
   
0
   
0
   
474
   
2,967
 
Total
 
$
175,736
  
$
36,988
  
$
12,627
  
$
93,421
  
$
318,772
 

The following table details the balances in all other loan categories at December 31, 2015:

Legacy Loans (excludes loans acquired after January 1, 2009)

  
Consumer
  
Consumer
  
Consumer
  
Home
    
(000's omitted)
 
Mortgage
  
Indirect
  
Direct
  
Equity
  
Total
 
Performing
 
$
1,568,653
  
$
890,237
  
$
177,999
  
$
298,105
  
$
2,934,994
 
Nonperforming
  
12,805
   
102
   
52
   
2,140
   
15,099
 
Total
 
$
1,581,458
  
$
890,339
  
$
178,051
  
$
300,245
  
$
2,950,093
 

Acquired Loans (includes loans acquired after January 1, 2009)

  
Consumer
  
Consumer
  
Consumer
  
Home
    
(000's omitted)
 
Mortgage
  
Indirect
  
Direct
  
Equity
  
Total
 
Performing
 
$
186,506
  
$
45,421
  
$
17,011
  
$
102,942
  
$
351,880
 
Nonperforming
  
1,790
   
0
   
14
   
327
   
2,131
 
Total
 
$
188,296
  
$
45,421
  
$
17,025
  
$
103,269
  
$
354,011
 

All loan classes are collectively evaluated for impairment except business lending, as described in Note C.  A summary of individually evaluated impaired loans as of June 30, 2016 and December 31, 2015 follows:

  
June 30,
  
December 31,
 
(000's omitted)
 
2016
  
2015
 
Loans with allowance allocation
 
$
1,187
  
$
0
 
Loans without allowance allocation
  
601
   
2,376
 
Unpaid principal balance
  
1,788
   
2,376
 
Contractual balance
  
3,401
   
3,419
 
Allowance for loan loss allocated
  
255
   
0
 

In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans.  In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan.  Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring ("TDR") has occurred, which is when, for economic or legal reasons related to a borrower's financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider.  Terms may be modified to fit the ability of the borrower to repay in line with its current financial standing and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two.

In accordance with the clarified guidance issued by the Office of the Comptroller of the Currency ("OCC"), loans that have been discharged in Chapter 7 bankruptcy but not reaffirmed by the borrower, are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified.  The Company's lien position against the underlying collateral remains unchanged.  Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral.  The amount of loss incurred in the three and six months ended June 30, 2016 and 2015 was immaterial.
 
TDRs that are less than $0.5 million are collectively included in the general loan loss allocation and the qualitative review.  TDRs that are commercial loans and greater than $0.5 million are individually evaluated for impairment, and if necessary, a specific allocation of the allowance for loan losses is provided.  As a result, the determination of the amount of allowance for loan losses related to TDRs is the same as detailed in the critical accounting policies.

Information regarding TDRs as of June 30, 2016 and December 31, 2015 is as follows:

  
June 30, 2016
  
December 31, 2015
 
(000's omitted)
 
Nonaccrual
  
Accruing
  
Total
  
Nonaccrual
  
Accruing
  
Total
 
   
#
  
Amount
   
#
  
Amount
   
#
  
Amount
   
#
  
Amount
   
#
  
Amount
   
#
  
Amount
 
Consumer mortgage
  
43
  
$
1,979
   
44
  
$
2,227
   
87
  
$
4,206
   
37
  
$
1,472
   
54
  
$
2,486
   
91
  
$
3,958
 
Business lending
  
10
   
234
   
5
   
708
   
15
   
942
   
8
   
217
   
6
   
737
   
14
   
954
 
Consumer indirect
  
0
   
0
   
83
   
806
   
83
   
806
   
0
   
0
   
77
   
691
   
77
   
691
 
Consumer direct
  
0
   
0
   
10
   
71
   
10
   
71
   
0
   
0
   
32
   
37
   
32
   
37
 
Home equity
  
14
   
240
   
12
   
261
   
26
   
501
   
10
   
203
   
14
   
301
   
24
   
504
 
Total
  
67
  
$
2,453
   
154
  
$
4,073
   
221
  
$
6,526
   
55
  
$
1,892
   
183
  
$
4,252
   
238
  
$
6,144
 


 
 
 
 
 
 
 
 
 
The following table presents information related to loans modified in a TDR during the three months and six months ended June 30, 2016 and 2015.  Of the loans noted in the table below, all loans for the three months and six months ended June 30, 2016 and 2015 were modified due to a Chapter 7 bankruptcy as described previously.  The financial effects of these restructurings were immaterial.

  
Three Months Ended June 30, 2016
  
Three Months Ended June 30, 2015
 
(000's omitted)
 
Number of loans modified
  
Outstanding Balance
  
Number of loans modified
  
Outstanding Balance
 
Consumer mortgage
  
5
  
$
437
   
2
  
$
61
 
Business lending
  
2
   
51
   
0
   
0
 
Consumer indirect
  
9
   
118
   
6
   
84
 
Consumer direct
  
1
   
52
   
1
   
1
 
Home equity
  
3
   
73
   
0
   
0
 
Total
  
20
  
$
731
   
9
  
$
146
 
 
  
Six Months Ended June 30, 2016
  
Six Months Ended June 30, 2015
 
(000's omitted)
 
Number of loans modified
  
Outstanding Balance
  
Number of loans modified
  
Outstanding Balance
 
Consumer mortgage
  
8
  
$
652
   
6
  
$
280
 
Business lending
  
2
   
51
   
0
   
0
 
Consumer indirect
  
20
   
331
   
12
   
163
 
Consumer direct
  
1
   
52
   
2
   
4
 
Home equity
  
4
   
73
   
1
   
14
 
Total
  
35
  
$
1,159
   
21
  
$
461
 

Allowance for Loan Losses

The allowance for loan losses is general in nature and is available to absorb losses from any loan type despite the analysis below.  The following presents by class the activity in the allowance for loan losses:

  
Three Months Ended June 30, 2016
 
  
Consumer
  
Business
  
Consumer
  
Consumer
  
Home
     
Acquired
    
(000's omitted)
 
Mortgage
  
Lending
  
Indirect
  
Direct
  
Equity
  
Unallocated
  
Impaired
  
Total
 
Beginning balance
 
$
10,148
  
$
16,695
  
$
12,334
  
$
2,875
  
$
2,580
  
$
879
  
$
85
  
$
45,596
 
Charge-offs
  
(156
)
  
(770
)
  
(1,545
)
  
(389
)
  
(80
)
  
0
   
(26
)
  
(2,966
)
Recoveries
  
38
   
156
   
1,140
   
238
   
19
   
0
   
0
   
1,591
 
Provision
  
(177
)
  
868
   
1,286
   
296
   
(19
)
  
(29
)
  
80
   
2,305
 
Ending balance
 
$
9,853
  
$
16,949
  
$
13,215
  
$
3,020
  
$
2,500
  
$
850
  
$
139
  
$
46,526
 
 
 
 
 
 
 
 
 
    
  
Three Months Ended June 30, 2015
 
  
Consumer
  
Business
  
Consumer
  
Consumer
  
Home
     
Acquired
    
(000's omitted)
 
Mortgage
  
Lending
  
Indirect
  
Direct
  
Equity
  
Unallocated
  
Impaired
  
Total
 
Beginning balance
 
$
10,233
  
$
15,405
  
$
11,246
  
$
2,879
  
$
2,663
  
$
2,383
  
$
196
  
$
45,005
 
Charge-offs
  
(199
)
  
(299
)
  
(1,397
)
  
(294
)
  
(56
)
  
0
   
(43
)
  
(2,288
)
Recoveries
  
45
   
527
   
1,184
   
199
   
19
   
0
   
0
   
1,974
 
Provision
  
113
   
(280
)
  
569
   
207
   
51
   
(9
)
  
(60
)
  
591
 
Ending balance
 
$
10,192
  
$
15,353
  
$
11,602
  
$
2,991
  
$
2,677
  
$
2,374
  
$
93
  
$
45,282
 
    
  
Six Months Ended June 30, 2016
 
  
Consumer
  
Business
  
Consumer
  
Consumer
  
Home
      
Acquired
     
(000's omitted)
 
Mortgage
  
Lending
  
Indirect
  
Direct
  
Equity
  
Unallocated
  
Impaired
  
Total
 
Beginning balance
 
$
10,198
  
$
15,749
  
$
12,422
  
$
2,997
  
$
2,666
  
$
1,201
  
$
168
  
$
45,401
 
Charge-offs
  
(243
)
  
(979
)
  
(3,401
)
  
(852
)
  
(137
)
  
0
   
(26
)
  
(5,638
)
Recoveries
  
83
   
291
   
2,255
   
460
   
28
   
0
   
0
   
3,117
 
Provision
  
(185
)
  
1,888
   
1,939
   
415
   
(57
)
  
(351
)
  
(3
)
  
3,646
 
Ending balance
 
$
9,853
  
$
16,949
  
$
13,215
  
$
3,020
  
$
2,500
  
$
850
  
$
139
  
$
46,526
 
                                 
  
Six Months Ended June 30, 2015
 
  
Consumer
  
Business
  
Consumer
  
Consumer
  
Home
      
Acquired
     
(000's omitted)
 
Mortgage
  
Lending
  
Indirect
  
Direct
  
Equity
  
Unallocated
  
Impaired
  
Total
 
Beginning balance
 
$
10,286
  
$
15,787
  
$
11,544
  
$
3,083
  
$
2,701
  
$
1,767
  
$
173
  
$
45,341
 
Charge-offs
  
(642
)
  
(433
)
  
(2,823
)
  
(639
)
  
(122
)
  
0
   
(43
)
  
(4,702
)
Recoveries
  
66
   
608
   
2,337
   
392
   
26
   
0
   
0
   
3,429
 
Provision
  
482
   
(609
)
  
544
   
155
   
72
   
607
   
(37
)
  
1,214
 
Ending balance
 
$
10,192
  
$
15,353
  
$
11,602
  
$
2,991
  
$
2,677
  
$
2,374
  
$
93
  
$
45,282
 
XML 27 R15.htm IDEA: XBRL DOCUMENT v3.5.0.2
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS
 6 Months Ended
Jun. 30, 2016
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS [Abstract]  
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS
NOTE F:  GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS

The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows:

  
June 30, 2016
  
December 31, 2015
 
  
Gross
     
Net
  
Gross
     
Net
 
  
Carrying
  
Accumulated
  
Carrying
  
Carrying
  
Accumulated
  
Carrying
 
(000's omitted)
 
Amount
  
Amortization
  
Amount
  
Amount
  
Amortization
  
Amount
 
Amortizing intangible assets:
                  
  Core deposit intangibles
 
$
39,688
  
$ 
(31,309
)
 
$
8,379
  
$
39,688
  
$ 
(29,899
)
 
$
9,789
 
  Other intangibles
  
17,852
   
(7,895
)
  
9,957
   
17,565
   
(6,460
)
  
11,105
 
 Total amortizing intangibles
 
$
57,540
  
$ 
(39,204
)
 
$
18,336
  
$
57,253
  
$ 
(36,359
)
 
$
20,894
 

The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows:

(000's omitted)
 
Jul - Dec 2016
 
$
2,634
 
2017
  
4,412
 
2018
  
3,566
 
2019
  
2,782
 
2020
  
2,119
 
Thereafter
  
2,823
 
Total
 
$
18,336
 

Shown below are the components of the Company's goodwill at December 31, 2015 and June 30, 2016:

(000's omitted)
 
December 31, 2015
  
Activity
  
June 30, 2016
 
Goodwill
 
$
468,076
  
$
1,890
  
$
469,966
 
Accumulated impairment
  
(4,824
)
  
0
   
(4,824
)
Goodwill, net
 
$
463,252
  
$
1,890
  
$
465,142
 
XML 28 R16.htm IDEA: XBRL DOCUMENT v3.5.0.2
MANDATORILY REDEEMABLE PREFERRED SECURITIES
 6 Months Ended
Jun. 30, 2016
MANDATORILY REDEEMABLE PREFERRED SECURITIES [Abstract]  
MANDATORILY REDEEMABLE PREFERRED SECURITIES
NOTE G:  MANDATORILY REDEEMABLE PREFERRED SECURITIES

The Company sponsors two business trusts, Community Statutory Trust III and Community Capital Trust IV, of which 100% of the common stock is owned by the Company.  The trusts were formed for the purpose of issuing company-obligated mandatorily redeemable preferred securities to third-party investors and investing the proceeds from the sale of such preferred securities solely in junior subordinated debt securities of the Company.  The debentures held by each trust are the sole assets of that trust.  Distributions on the preferred securities issued by each trust are payable quarterly at a rate per annum equal to the interest rate being earned by the trust on the debentures held by that trust and are recorded as interest expense in the consolidated financial statements.  The preferred securities are subject to mandatory redemption, in whole or in part, upon repayment of the debentures.  The Company has entered into agreements which, taken collectively, fully and unconditionally guarantee the preferred securities subject to the terms of each of the guarantees.  The terms of the preferred securities of each trust are as follows:

 
Issuance
Par
 
Maturity
 
Trust
Date
Amount
Interest Rate
Date
Call Price
III
7/31/2001
$24.5 million
3 month LIBOR plus 3.58% (4.22%)
7/31/2031
Par
IV
12/8/2006
$75 million
3 month LIBOR plus 1.65% (2.30%)
12/15/2036
Par
XML 29 R17.htm IDEA: XBRL DOCUMENT v3.5.0.2
BENEFIT PLANS
 6 Months Ended
Jun. 30, 2016
BENEFIT PLANS [Abstract]  
BENEFIT PLANS
NOTE H:  BENEFIT PLANS

The Company provides a qualified defined benefit pension to eligible employees and retirees, other post-retirement health and life insurance benefits to certain retirees, an unfunded supplemental pension plan for certain key executives, and an unfunded stock balance plan for certain of its nonemployee directors.  The Company accrues for the estimated cost of these benefits through charges to expense during the years that employees earn these benefits.  No contributions to the defined benefit pension plan are required or planned for 2016.

The net periodic benefit cost for the three and six months ended June 30, 2016 and 2015 is as follows:

  
Pension Benefits
  
Post-retirement Benefits
 
  
Three Months Ended
  
Six Months Ended
  
Three Months Ended
  
Six Months Ended
 
  
June 30,
  
June 30,
  
June 30,
  
June 30,
 
(000's omitted)
 
2016
  
2015
  
2016
  
2015
  
2016
  
2015
  
2016
  
2015
 
Service cost
 
$
1,027
  
$
831
  
$
2,052
  
$
1,662
  
$
0
  
$
0
  
$
0
  
$
0
 
Interest cost
  
1,406
   
1,375
   
2,812
   
2,749
   
20
   
22
   
41
   
43
 
Expected return on plan assets
  
(2,961
)
  
(3,042
)
  
(5,921
)
  
(6,085
)
  
0
   
0
   
0
   
0
 
Amortization of unrecognized net loss
  
377
   
366
   
754
   
733
   
(1
)
  
(3
)
  
(3
)
  
(6
)
Amortization of prior service cost
  
11
   
2
   
22
   
4
   
(45
)
  
(45
)
  
(89
)
  
(89
)
Net periodic benefit cost
 
$ 
(140
)
 
$ 
(468
)
 
$ 
(281
)
 
$ 
(937
)
 
$ 
(26
)
 
$ 
(26
)
 
$ 
(51
)
 
$ 
(52
)
XML 30 R18.htm IDEA: XBRL DOCUMENT v3.5.0.2
EARNINGS PER SHARE
 6 Months Ended
Jun. 30, 2016
EARNINGS PER SHARE [Abstract]  
EARNINGS PER SHARE
NOTE I:  EARNINGS PER SHARE

The two class method is used in the calculations of basic and diluted earnings per share.  Under the two class method, earnings available to common shareholders for the period are allocated between common shareholders and participating securities according to dividends declared and participation rights in undistributed earnings.  The Company has determined that all of its outstanding non-vested stock awards are participating securities as of June 30, 2016.

Basic earnings per share are computed based on the weighted-average of the common shares outstanding for the period.  Diluted earnings per share are based on the weighted-average of the shares outstanding adjusted for the dilutive effect of restricted stock and the assumed exercise of stock options during the year.  The dilutive effect of options is calculated using the treasury stock method of accounting.  The treasury stock method determines the number of common shares that would be outstanding if all the dilutive options (those where the average market price is greater than the exercise price) were exercised and the proceeds were used to repurchase common shares in the open market at the average market price for the applicable time period.  There were approximately 0.8 million weighted-average anti-dilutive stock options outstanding for the three months ended June 30, 2016, and approximately 0.7 million weighted-average anti-dilutive stock options outstanding for the six months ended June 30, 2016, compared to approximately 0.6 million weighted-average anti-dilutive stock options outstanding for the three months ended June 30, 2015, and approximately 0.4 million weighted-average anti-dilutive stock options outstanding for the six months ended June 30, 2015 that were not included in the computation below.

The following is a reconciliation of basic to diluted earnings per share for the three and six months ended June 30, 2016 and 2015:

  
Three Months Ended
  
Six Months Ended
 
  
June 30,
  
June 30,
 
(000's omitted, except per share data)
 
2016
  
2015
  
2016
  
2015
 
Net income
 
$
25,857
  
$
23,840
  
$
50,260
  
$
46,137
 
Income attributable to unvested stock-based compensation awards
  
(151
)
  
(99
)
  
(242
)
  
(177
)
Income available to common shareholders
 
$
25,706
  
$
23,741
  
$
50,018
  
$
45,960
 
                 
Weighted-average common shares outstanding – basic
  
44,021
   
40,690
   
43,942
   
40,674
 
Basic earnings per share
 
$
0.58
  
$
0.58
  
$
1.14
  
$
1.13
 
                 
Net income
 
$
25,857
  
$
23,840
  
$
50,260
  
$
46,137
 
Income attributable to unvested stock-based compensation awards
  
(151
)
  
(99
)
  
(242
)
  
(177
)
Income available to common shareholders
 
$
25,706
  
$
23,741
  
$
50,018
  
$
45,960
 
                 
Weighted-average common shares outstanding – basic
  
44,021
   
40,690
   
43,942
   
40,674
 
Assumed exercise of stock options
  
357
   
404
   
347
   
405
 
Weighted-average common shares outstanding – diluted
  
44,378
   
41,094
   
44,289
   
41,079
 
Diluted earnings per share
 
$
0.58
  
$
0.58
  
$
1.13
  
$
1.12
 

Stock Repurchase Program
At its December 2015 meeting, the Company's Board of Directors (the "Board") approved a new repurchase program authorizing the repurchase of up to 2.2 million shares of the Company's common stock, in accordance with securities laws and regulations, through December 31, 2016.  Any repurchased shares will be used for general corporate purposes, including those related to stock plan activities.  The timing and extent of repurchases will depend on market conditions and other corporate considerations as determined at the Company's discretion.  The Company did not repurchase any shares under the authorized plan during the first six months of 2016.
XML 31 R19.htm IDEA: XBRL DOCUMENT v3.5.0.2
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
 6 Months Ended
Jun. 30, 2016
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]  
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
NOTE J:  COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments consist primarily of commitments to extend credit and standby letters of credit.  Commitments to extend credit are agreements to lend to customers, generally having fixed expiration dates or other termination clauses that may require payment of a fee.  These commitments consist principally of unused commercial and consumer credit lines.  Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of an underlying contract with a third party.  The credit risks associated with commitments to extend credit and standby letters of credit are essentially the same as that involved with extending loans to customers and are subject to the Company's normal credit policies.  Collateral may be obtained based on management's assessment of the customer's creditworthiness.  The fair value of the standby letters of credit is immaterial for disclosure.

The contract amounts of commitments and contingencies are as follows:

(000's omitted)
 
June 30,
2016
  
December 31,
2015
 
Commitments to extend credit
 
$
725,561
  
$
811,442
 
Standby letters of credit
  
19,713
   
19,053
 
Total
 
$
745,274
  
$
830,495
 

The Company and its subsidiaries are subject in the normal course of business to various pending and threatened legal proceedings in which claims for monetary damages are asserted. As of June 30, 2016, management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company or its subsidiaries will be material to the Company's consolidated financial position. On at least a quarterly basis, the Company assesses its liabilities and contingencies in connection with such legal proceedings. For those matters where it is probable that the Company will incur losses and the amounts of the losses can be reasonably estimated, the Company records an expense and corresponding liability in its consolidated financial statements. To the extent the pending or threatened litigation could result in exposure in excess of that liability, the amount of such excess is not currently estimable. The range of reasonably possible losses for matters where an exposure is not currently estimable or considered probable, beyond the existing recorded liabilities, is between $0 and $1 million in the aggregate. Although the Company does not believe that the outcome of pending litigation will be material to the Company's consolidated financial position, it cannot rule out the possibility that such outcomes will be material to the consolidated results of operations for a particular reporting period in the future.
XML 32 R20.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE
 6 Months Ended
Jun. 30, 2016
FAIR VALUE [Abstract]  
FAIR VALUE
NOTE K:  FAIR VALUE

Accounting standards establish a framework for measuring fair value and require certain disclosures about such fair value instruments.  It defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (i.e. exit price).  Inputs used to measure fair value are classified into the following hierarchy:
     ●     Level 1 –
Quoted prices in active markets for identical assets or liabilities.
     ●     Level 2 –Quoted prices in active markets for similar assets or liabilities, or quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs other than quoted prices that are observable for the asset or liability.
     ●     Level 3 –Significant valuation assumptions not readily observable in a market.
 
A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.  The following tables set forth the Company’s financial assets and liabilities that were accounted for at fair value on a recurring basis.  There were no transfers between any of the levels for the periods presented.
 
  
June 30, 2016
 
(000's omitted)
 
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
 
Available-for-sale investment securities:
            
U.S. Treasury and agency securities
 
$
1,992,657
  
$
0
  
$
0
  
$
1,992,657
 
Obligations of state and political subdivisions
  
0
   
645,488
   
0
   
645,488
 
Government agency mortgage-backed securities
  
0
   
223,139
   
0
   
223,139
 
Corporate debt securities
  
0
   
16,660
   
0
   
16,660
 
Government agency collateralized mortgage obligations
  
0
   
11,502
   
0
   
11,502
 
Marketable equity securities
  
417
   
0
   
0
   
417
 
    Total available-for-sale investment securities
  
1,993,074
   
896,789
   
0
   
2,889,863
 
Mortgage loans held for sale
  
0
   
514
   
0
   
514
 
Commitments to originate real estate loans for sale
  
0
   
0
   
361
   
361
 
Forward sales commitments
  
0
   
(78
)
  
0
   
(78
)
  Total
 
$
1,993,074
  
$
897,225
  
$
361
  
$
2,890,660
 

  
December 31, 2015
 
(000's omitted)
 
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
 
Available-for-sale investment securities:
            
U.S. Treasury and agency securities
 
$
1,899,978
  
$
0
  
$
0
  
$
1,899,978
 
Obligations of state and political subdivisions
  
0
   
666,883
   
0
   
666,883
 
Government agency mortgage-backed securities
  
0
   
210,865
   
0
   
210,865
 
Corporate debt securities
  
0
   
16,680
   
0
   
16,680
 
Government agency collateralized mortgage obligations
  
0
   
13,308
   
0
   
13,308
 
Marketable equity securities
  
399
   
0
   
0
   
399
 
    Total available-for-sale investment securities
  
1,900,377
   
907,736
   
0
   
2,808,113
 
Mortgage loans held for sale
  
0
   
932
   
0
   
932
 
Commitments to originate real estate loans for sale
  
0
   
0
   
117
   
117
 
Forward sales commitments
  
0
   
(37
)
  
0
   
(37
)
Total
 
$
1,900,377
  
$
908,631
  
$
117
  
$
2,809,125
 

The valuation techniques used to measure fair value for the items in the table above are as follows:

·
Available-for-sale investment securities – The fair values of available-for-sale investment securities are based upon quoted prices, if available.  If quoted prices are not available, fair values are measured using quoted market prices for similar securities or model-based valuation techniques.  Level 1 securities include U.S. Treasury obligations and marketable equity securities that are traded by dealers or brokers in active over-the-counter markets.  Level 2 securities include U.S. agency securities, mortgage-backed securities issued by government-sponsored entities, municipal securities and corporate debt securities that are valued by reference to prices for similar securities or through model-based techniques in which all significant inputs, such as reported trades, trade execution data, LIBOR swap yield curve, market prepayment speeds, credit information, market spreads, and security's terms and conditions, are observable.  See Note D for further disclosure of the fair value of investment securities.

·
Mortgage loans held for sale –The Company has elected to value loans held for sale at fair value in order to more closely match the gains and losses associated with loans held for sale with the gains and losses on forward sales contracts.  Accordingly, the impact on the valuation will be recognized in the Company's consolidated statement of income.  All mortgage loans held for sale are current and in performing status.  The fair value of mortgage loans held for sale is determined using quoted secondary-market prices of loans with similar characteristics and, as such, has been classified as a Level 2 valuation.  The unpaid principal value of mortgage loans held for sale at June 30, 2016 was approximately $0.5 million.  The unrealized gain on mortgage loans held for sale was recognized in mortgage banking and other income in the consolidated statement and is immaterial.

·
Forward sales commitments – The Company enters into forward sales commitments to sell certain residential real estate loans.  Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet.  The fair value of these forward sales commitments is primarily measured by obtaining pricing from certain government-sponsored entities and reflects the underlying price the entity would pay the Company for an immediate sale on these mortgages.  As such, these instruments are classified as Level 2 in the fair value hierarchy.

·
Commitments to originate real estate loans for sale – The Company enters into various commitments to originate residential real estate loans for sale.  Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet.  The estimated fair value of these commitments is determined using quoted secondary market prices obtained from certain government-sponsored entities.  Additionally, accounting guidance requires the expected net future cash flows related to the associated servicing of the loan to be included in the fair value measurement of the derivative.  The expected net future cash flows are based on a valuation model that calculates the present value of estimated net servicing income.  The valuation model incorporates assumptions that market participants would use in estimating future net servicing income.  Such assumptions include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds.  The determination of expected net cash flows is considered a significant unobservable input contributing to the Level 3 classification of commitments to originate real estate loans for sale.

The changes in Level 3 assets measured at fair value on a recurring basis are summarized in the following tables:
 
  
Three Months Ended
  
Six Months Ended
 
  
June 30,
  
June 30,
 
  
2016
  
2015
  
2016
  
2015
 
(000's omitted)
 
Commitments
to Originate
Real Estate
Loans for Sale
  
Commitments
to Originate
Real Estate
Loans for Sale
  
Commitments
to Originate
Real Estate
Loans for Sale
  
Commitments
to Originate
Real Estate
Loans for Sale
 
Beginning balance
 
$
282
  
$
152
  
$
117
  
$
185
 
Total losses included in earnings (1)
  
(282
)
  
(152
)
  
(399
)
  
(337
)
Commitments to originate real estate loans held for sale, net
  
361
   
195
   
643
   
347
 
Ending balance
 
$
361
  
$
195
  
$
361
  
$
195
 
 
 
 
 
 
 
 
 
 
 
(1)
Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income
 
The fair value information of assets and liabilities measured on a non-recurring basis presented below is not as of the period-end, but rather as of the date the fair value adjustment was recorded closest to the date presented.
 
  
June 30, 2016
  
December 31, 2015
 
(000's omitted)
 
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
  
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
 
Impaired loans
 
$
0
  
$
0
  
$
932
  
$
932
  
$
0
  
$
0
  
$
1,765
  
$
1,765
 
Mortgage servicing rights
  
0
   
0
   
638
   
638
   
0
   
0
   
0
   
0
 
Other real estate owned
  
0
   
0
   
1,726
   
1,726
   
0
   
0
   
2,088
   
2,088
 
   Total
 
$
0
  
$
0
  
$
3,296
  
$
3,296
  
$
0
  
$
0
  
$
3,853
  
$
3,853
 

 
Loans are generally not recorded at fair value on a recurring basis.  Periodically, the Company records nonrecurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of those loans.  Nonrecurring adjustments also include certain impairment amounts for collateral-dependent loans calculated when establishing the allowance for credit losses. Such amounts are generally based on the fair value of the underlying collateral supporting the loan and, as a result, the carrying value of the loan less the calculated valuation amount does not necessarily represent the fair value of the loan. Real estate collateral is typically valued using independent appraisals or other indications of value based on recent comparable sales of similar properties or assumptions generally observable in the marketplace, adjusted for non-observable inputs.  Thus, the resulting nonrecurring fair value measurements are generally classified as Level 3. Estimates of fair value used for other collateral supporting commercial loans generally are based on assumptions not observable in the marketplace and, therefore, such valuations classify as Level 3.

Other real estate owned ("OREO") is valued at the time the loan is foreclosed upon and the asset is transferred to OREO. The value is based primarily on third party appraisals, less costs to sell. The appraisals are sometimes further discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the customer and customer's business. Such discounts are significant, ranging from 6% to 94% at June 30, 2016 and result in a Level 3 classification of the inputs for determining fair value. OREO is reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. The Company recovers the carrying value of OREO through the sale of the property. The ability to affect future sales prices is subject to market conditions and factors beyond the Company's control and may impact the estimated fair value of a property.

Originated mortgage servicing rights are recorded at their fair value at the time of sale of the underlying loan, and are amortized in proportion to and over the estimated period of net servicing income.  The fair value of mortgage servicing rights is based on a valuation model incorporating inputs that market participants would use in estimating future net servicing income.  Such inputs include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds and are considered to be unobservable and contribute to the Level 3 classification of mortgage servicing rights.  In accordance with GAAP, the Company must record impairment charges, on a nonrecurring basis, when the carrying value of a stratum exceeds its estimated fair value.  Impairment is recognized through a valuation allowance.  There is a valuation allowance at June 30, 2016 of approximately $0.1 million.

The Company determines fair values based on quoted market values, where available, estimates of present values, or other valuation techniques.  Those techniques are significantly affected by the assumptions used, including, but not limited to, the discount rate and estimates of future cash flows.  In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, may not be realized in immediate settlement of the instrument.  The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis are as follows:
 
(000's omitted)
 
Fair Value at
June 30, 2016
 
Valuation Technique
Significant Unobservable Inputs
 
Significant
Unobservable Input Range
(Weighted Average)
 
Other real estate owned
 
$
1,726
 
Fair Value of Collateral
Estimated cost of disposal/market adjustment
  
6.3% - 93.8% (31.5
%)
Impaired loans
  
932
 
Fair Value of Collateral
Estimated cost of disposal/market adjustment
  
9.0% - 16.9% (12.8
%)
Commitments to originate
     real estate loans for sale
  
361
 
Discounted cash flow
Embedded servicing value
  
1
%
Mortgage servicing rights
  
638
 
Discounted cash flow
Weighted average constant prepayment rate
  
11.8
%
        
Weighted average discount rate
  
2.24
%
        
Adequate compensation
 
$7/loan
 

(000's omitted)
 
Fair Value at December 31, 2015
 
Valuation Technique
Significant Unobservable Inputs
 
Significant
Unobservable Input Range
(Weighted Average)
 
Other real estate owned
 
$
2,088
 
Fair value of collateral
Estimated cost of disposal/market adjustment
  
5.3% - 74.0% (27.7
%)
Impaired loans
  
1,765
 
Fair value of collateral
Estimated cost of disposal/market adjustment
  
9.0% - 20.0% (17.9
%)
Commitments to originate
     real estate loans for sale
  
117
 
Discounted cash flow
Embedded servicing value
  
1
%


Certain financial instruments and all nonfinancial instruments are excluded from fair value disclosure requirements.  Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.  The carrying amounts and estimated fair values of the Company's other financial instruments that are not accounted for at fair value at June 30, 2016 and December 31, 2015 are as follows:

  
June 30, 2016
  
December 31, 2015
 
  
Carrying
  
Fair
  
Carrying
  
Fair
 
(000's omitted)
 
Value
  
Value
  
Value
  
Value
 
Financial assets:
            
   Net loans
 
$
4,858,276
  
$
4,928,960
  
$
4,755,974
  
$
4,808,856
 
Financial liabilities:
                
   Deposits
  
6,957,854
   
6,956,075
   
6,873,474
   
6,871,098
 
   Borrowings
  
267,600
   
267,600
   
301,300
   
301,300
 
   Subordinated debt held by unconsolidated subsidiary trusts
  
102,158
   
80,108
   
102,146
   
84,680
 

The following is a further description of the principal valuation methods used by the Company to estimate the fair values of its financial instruments.

Loans have been classified as a Level 3 valuation.  Fair values for variable rate loans that reprice frequently are based on carrying values.  Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.

Deposits have been classified as a Level 2 valuation.  The fair value of demand deposits, interest-bearing checking deposits, savings accounts, and money market deposits is the amount payable on demand at the reporting date.  The fair value of time deposit obligations are based on current market rates for similar products.

Borrowings have been classified as a Level 2 valuation.  The fair value of FHLB overnight advances is the amount payable on demand at the reporting date.  Fair values for long-term borrowings are estimated using discounted cash flows and interest rates currently being offered on similar borrowings, and are immaterial as of the reporting dates.

Subordinated debt held by unconsolidated subsidiary trusts have been classified as a Level 2 valuation.   The fair value of subordinated debt held by unconsolidated subsidiary trusts are estimated using discounted cash flows and interest rates currently being offered on similar securities.

Other financial assets and liabilities – Cash and cash equivalents have been classified as a Level 1 valuation, while accrued interest receivable and accrued interest payable have been classified as a Level 2 valuation.  The fair values of each approximate the respective carrying values because the instruments are payable on demand or have short-term maturities and present relatively low credit risk and interest rate risk.
XML 33 R21.htm IDEA: XBRL DOCUMENT v3.5.0.2
DERIVATIVE INSTRUMENTS
 6 Months Ended
Jun. 30, 2016
DERIVATIVE INSTRUMENTS [Abstract]  
DERIVATIVE INSTRUMENTS
NOTE L:  DERIVATIVE INSTRUMENTS

The Company is party to derivative financial instruments in the normal course of its business to meet the financing needs of its customers and to manage its own exposure to fluctuations in interest rates.  These financial instruments have been limited to commitments to originate real estate loans held for sale and forward sales commitments.  The Company does not hold or issue derivative financial instruments for trading or other speculative purposes.

The Company enters into forward sales commitments for the future delivery of residential mortgage loans, and interest rate lock commitments to fund loans at a specified interest rate.  The forward sales commitments are utilized to reduce interest rate risk associated with interest rate lock commitments and loans held for sale.  Changes in the estimated fair value of the forward sales commitments and interest rate lock commitments subsequent to inception are based on changes in the fair value of the underlying loan resulting from the fulfillment of the commitment and changes in the probability that the loan will fund within the terms of the commitment, which is affected primarily by changes in interest rates and the passage of time.  At inception and during the life of the interest rate lock commitment, the Company includes the expected net future cash flows related to the associated servicing of the loan as part of the fair value measurement of the interest rate lock commitments.  These derivatives are recorded at fair value, which were immaterial at June 30, 2016.  The effect of the changes to these derivatives for the three and six months then ended was also immaterial.
XML 34 R22.htm IDEA: XBRL DOCUMENT v3.5.0.2
SEGMENT INFORMATION
 6 Months Ended
Jun. 30, 2016
SEGMENT INFORMATION [Abstract]  
SEGMENT INFORMATION
NOTE M:  SEGMENT INFORMATION

Operating segments are components of an enterprise, which are evaluated regularly by the "chief operating decision maker" in deciding how to allocate resources and assess performance.  The Company's chief operating decision maker is the President and Chief Executive Officer of the Company. The Company has identified Banking and Employee Benefit Services as its reportable operating business segments.  CBNA operates the Banking segment that provides full-service banking to consumers, businesses, and governmental units in northern, central, and western New York as well as northeastern Pennsylvania.  Employee Benefit Services, which includes Benefit Plans Administrative Services LLC, BPAS Actuarial and Pension Services LLC (formerly Harbridge Consulting Group, LLC), and Hand Benefits & Trust Company, provides employee benefit trust, collective investment fund, retirement plan administration, actuarial, VEBA/HRA, and health and welfare consulting services.  The All Other segment is comprised of; (a) wealth management services including trust services provided by the personal trust unit within the Bank, broker-dealer and investment advisory services provided by Community Investment Services, Inc. ("CISI"), OWM, and the Carta Group, Inc., as well as asset management provided by Nottingham Advisors, Inc., and (b) full-service insurance, risk management and employee benefit services provided by OneGroup and CBNA Insurance.  The accounting policies used in the disclosure of business segments are the same as those described in the summary of significant accounting policies (See Note A, Summary of Significant Accounting Policies of the most recent Form 10-K for the year ended December 31, 2015 filed with the SEC on February 29, 2016).

Information about reportable segments and reconciliation of the information to the consolidated financial statements follows:

(000's omitted) 
 
Banking
  
Employee
Benefit Services
  
All Other
  
Eliminations
  
Consolidated Total
 
Three Months Ended June 30, 2016
               
Net interest income
 
$
68,220
  
$
38
  
$
48
  
$
0
  
$
68,306
 
Provision for loan losses
  
2,305
   
0
   
0
   
0
   
2,305
 
Noninterest revenues
  
16,594
   
12,067
   
10,706
   
(595
)
  
38,772
 
Amortization of intangible assets
  
691
   
114
   
598
   
0
   
1,403
 
Other operating expenses
  
47,615
   
9,432
   
8,501
   
(595
)
  
64,953
 
Income before income taxes
 
$
34,203
  
$
2,559
  
$
1,655
  
$
0
  
$
38,417
 
Assets
 
$
8,675,329
  
$
34,814
  
$
68,945
  
$ 
(36,977
)
 
$
8,742,111
 
Goodwill
 
$
440,870
  
$
8,018
  
$
16,254
  
$
0
  
$
465,142
 
                     
Three Months Ended June 30, 2015
                    
Net interest income
 
$
61,165
  
$
35
  
$
28
  
$
0
  
$
61,228
 
Provision for loan losses
  
591
   
0
   
0
   
0
   
591
 
Noninterest revenues
  
14,009
   
11,606
   
4,576
   
(472
)
  
29,719
 
Amortization of intangible assets
  
709
   
133
   
38
   
0
   
880
 
Other operating expenses
  
43,393
   
8,957
   
3,290
   
(472
)
  
55,168
 
Income before income taxes
 
$
30,481
  
$
2,551
  
$
1,276
  
$
0
  
$
34,308
 
Assets
 
$
7,882,898
  
$
33,609
  
$
17,047
  
$ 
(24,783
)
 
$
7,908,771
 
Goodwill
 
$
364,495
  
$
8,019
  
$
2,660
  
$
0
  
$
375,174
 
                     
Six Months Ended June 30, 2016
                    
Net interest income
 
$
135,019
  
$
77
  
$
91
  
$
0
  
$
135,187
 
Provision for loan losses
  
3,646
   
0
   
0
   
0
   
3,646
 
Noninterest revenues
  
31,907
   
24,457
   
21,850
   
(1,161
)
  
77,053
 
Amortization of intangible assets
  
1,410
   
230
   
1,205
   
0
   
2,845
 
Other operating expenses
  
96,145
   
18,879
   
17,317
   
(1,161
)
  
131,180
 
Income before income taxes
 
$
65,725
  
$
5,425
  
$
3,419
  
$
0
  
$
74,569
 
                     
Six Months Ended June 30, 2015
                    
Net interest income
 
$
120,948
  
$
65
  
$
55
  
$
0
  
$
121,068
 
Provision for loan losses
  
1,214
   
0
   
0
   
0
   
1,214
 
Noninterest revenues
  
27,534
   
22,959
   
9,208
   
(936
)
  
58,765
 
Amortization of intangible assets
  
1,448
   
266
   
85
   
0
   
1,799
 
Other operating expenses
  
87,212
   
17,408
   
6,513
   
(936
)
  
110,197
 
Income before income taxes
 
$
58,608
  
$
5,350
  
$
2,665
  
$
0
  
$
66,623
 
XML 35 R23.htm IDEA: XBRL DOCUMENT v3.5.0.2
ACCOUNTING POLICIES (Policies)
 6 Months Ended
Jun. 30, 2016
ACCOUNTING POLICIES [Abstract]  
Acquired Loans
Acquired Loans
Acquired loans are initially recorded at their acquisition date fair values.  The carryover of allowance for loan losses is prohibited as any credit losses in the loans are included in the determination of the fair value of the loans at the acquisition date. Fair values for acquired loans are based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.

Acquired Impaired Loans
Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments are accounted for as impaired loans under Accounting Standards Codification ("ASC") 310-30.  The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loans using the interest method. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount. The non-accretable discount represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.

Acquired loans that met the criteria for non-accrual of interest prior to acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, the Company may no longer consider the loans to be non-accrual or non-performing and may accrue interest on these loans, including the impact of any accretable discount.

Acquired Non-impaired Loans
Acquired loans that do not meet the requirements under ASC 310-30 are considered acquired non-impaired loans. The difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Fair value adjustments may be discounts (or premiums) to a loan's cost basis and are accreted (or amortized) to net interest income (or expense) over the loan's remaining life in accordance with ASC 310-20. Fair value adjustments for revolving loans are accreted (or amortized) using a straight line method. Term loans are accreted (or amortized) using the constant effective yield method.

Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans are consistent with the policy described below.  However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.  The carrying value represents the net of the loan's unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.  When the carrying value exceeds the net realizable value, an allowance for loan loss is recognized.
Allowance for Loan Losses
Allowance for Loan Losses
Management continually evaluates the credit quality of the Company's loan portfolio, and performs a formal review of the adequacy of the allowance for loan losses on a quarterly basis.  The allowance reflects management's best estimate of probable losses inherent in the loan portfolio.  Determination of the allowance is subjective in nature and requires significant estimates.   The Company's allowance methodology consists of two broad components - general and specific loan loss allocations.
 
The general loan loss allocation is composed of two calculations that are computed on five main loan segments:  business lending; consumer direct; consumer indirect; home equity; and consumer mortgage.  The first calculation is quantitative and determines an allowance level based on the latest 36 months of historical net charge-off data for each loan class (commercial loans exclude balances with specific loan loss allocations).  The second calculation is qualitative and takes into consideration eight qualitative environmental factors:  levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.    A component of the qualitative calculation is the unallocated allowance for loan loss.  The qualitative and quantitative calculations are added together to determine the general loan loss allocation.  The specific loan loss allocation relates to individual commercial loans that are both greater than $0.5 million and in a nonaccruing status with respect to interest.  Specific loan losses are based on discounted estimated cash flows, including any cash flows resulting from the conversion of collateral or collateral shortfalls.  The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances and allowances needed for acquired loans to derive the total required allowance for loan losses to be reflected on the Consolidated Statement of Condition.

Loan losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance.  A provision for loan losses is charged to operations based on management's periodic evaluation of factors previously mentioned.
Investment Securities
Investment Securities
The Company can classify its investments in debt and equity securities as held-to-maturity, available-for-sale, or trading.  Held-to-maturity securities are those for which the Company has the positive intent and ability to hold until maturity, and are reported at cost, which is adjusted for amortization of premiums and accretion of discounts.  Securities classified as available-for-sale are reported at fair value with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of applicable income taxes.  None of the Company's investment securities have been classified as trading securities at June 30, 2016.  Certain equity securities are stated at cost and include restricted stock of the Federal Reserve Bank of New York ("Federal Reserve") and Federal Home Loan Bank of New York ("FHLB").

Fair values for investment securities are based upon quoted market prices, where available.  If quoted market prices are not available, fair values are based upon quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.

The Company conducts an assessment of all securities in an unrealized loss position to determine if other-than-temporary impairment ("OTTI") exists on a quarterly basis. An unrealized loss exists when the current fair value of an individual security is less than its amortized cost basis.  The OTTI assessment considers the security structure, recent security collateral performance metrics, if applicable, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment about, and expectations of, future performance, and relevant independent industry research, analysis and forecasts. The severity of the impairment and the length of time the security has been impaired is also considered in the assessment.  The assessment of whether an OTTI decline exists is performed on each security, regardless of the classification of the security as available-for-sale or held-to-maturity and involves a high degree of subjectivity and judgment that is based on the information available to management at a point in time.

An OTTI loss must be recognized for a debt security in an unrealized loss position if there is intent to sell the security or it is more likely than not the Company will be required to sell the security prior to recovery of its amortized cost basis. In this situation, the amount of loss recognized in income is equal to the difference between the fair value and the amortized cost basis of the security. Even if management does not have the intent, and it is not more likely than not that the Company will be required to sell the securities, an evaluation of the expected cash flows to be received is performed to determine if a credit loss has occurred. For debt securities, a critical component of the evaluation for OTTI is the identification of credit-impaired securities, where the Company does not expect to receive cash flows sufficient to recover the entire amortized cost basis of the security.  In the event of a credit loss, only the amount of impairment associated with the credit loss would be recognized in income. The portion of the unrealized loss relating to other factors, such as liquidity conditions in the market or changes in market interest rates, is recorded in accumulated other comprehensive loss.

Equity securities are also evaluated to determine whether the unrealized loss is expected to be recoverable based on whether evidence exists to support a realizable value equal to or greater than the amortized cost basis. If it is probable that the amortized cost basis will not be recovered, taking into consideration the estimated recovery period and the ability to hold the equity security until recovery, OTTI is recognized in earnings equal to the difference between the fair value and the amortized cost basis of the security.

The specific identification method is used in determining the realized gains and losses on sales of investment securities and OTTI charges.  Premiums and discounts on securities are amortized and accreted, respectively, on the interest method basis over the period to maturity or estimated life of the related security.  Purchases and sales of securities are recognized on a trade date basis.
Intangible Assets
Intangible Assets
Intangible assets include core deposit intangibles, customer relationship intangibles and goodwill arising from acquisitions. Core deposit intangibles and customer relationship intangibles are amortized on either an accelerated or straight-line basis over periods ranging from seven to 20 years. The initial and ongoing carrying value of goodwill and other intangible assets is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.  It also requires use of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, peer volatility indicators, and company-specific risk indicators.

The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.  The implied fair value of a reporting unit's goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value over fair value.  The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.
Retirement Benefits
Retirement Benefits
The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.  The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees, officers, and directors.  Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including discount rate, rate of future compensation increases, and expected return on plan assets.
New Accounting Pronouncements
New Accounting Pronouncements
In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606).  This new guidance supersedes the revenue recognition requirements in ASC 605, Revenue Recognition, and is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects consideration to which the entity expects to be entitled in exchange for those goods and services. The ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract.  This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2017.  The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.

In January 2016, the FASB issued ASU 2016-1, Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. This guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The primary focus of this guidance is to supersede the guidance to classify equity securities with readily determinable fair values into different categories (trading or available-for-sale) and requires equity securities to be measured at fair value with changes in the fair value recognized through net income. This guidance requires adoption through a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption.  This ASU is effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years.  Early adoption is permitted for all companies in any interim or annual period. The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.

In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842). This new guidance supersedes the lease requirements in Topic 840, Leases and is based on the principle that a lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term.  The accounting applied by a lessor is largely unchanged from that applied under the previous guidance.  In addition, the guidance requires an entity to separate the lease components from the nonlease components in a contract.  The ASU requires disclosures about the amount, timing, and judgments related to a reporting entity's accounting for leases and related cash flows.  The standard is required to be applied to all leases in existence as of the date of adoption using a modified retrospective transition approach.  This guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early adoption is permitted for all companies in any interim or annual period.  The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.

In March 2016, the FASB issued ASU 2016-09, Compensation – Stock Compensation (Topic 718).  The amendments simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities and classification on the statement of cash flows.  The new guidance requires all excess tax benefits and tax deficiencies be recognized as income tax expense or benefit in the income statement.  The tax effects of exercised or vested awards should be treated as discrete items in the reporting period in which they occur. This guidance requires certain amendments to be applied through a cumulative-effect adjustment to equity as of the beginning of the fiscal period in which the guidance is adopted while other amendments are required to be applied retrospectively or prospectively.  This ASU is effective for fiscal periods beginning after December 15, 2016, and interim periods within those annual periods.  Early adoption is permitted for any entity in any interim or annual period.   The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.
 
In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326).  This new guidance significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income.  This ASU will replace the "incurred loss" model under existing guidance with an "expected loss" model for instruments measured at amortized cost, and require entities to record allowances for available-for-sale debt securities rather than reduce the carrying amount, as they do today under the other-than-temporary impairment model.  This ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans.  This guidance requires adoption through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is adopted.  This ASU is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years.  Early adoption is permitted for all companies as of fiscal years beginning after December 15, 2018, including interim periods within those fiscal years.  The Company is currently evaluating the effect the guidance will have on the Company's consolidated financial statements.
XML 36 R24.htm IDEA: XBRL DOCUMENT v3.5.0.2
ACQUISITIONS (Tables)
 6 Months Ended
Jun. 30, 2016
ACQUISITIONS [Abstract]  
Estimated Fair Value of Assets Acquired and Liabilities Assumed
The following table summarizes the estimated fair value of the assets acquired and liabilities assumed after considering the measurement period adjustments described above:

(000s omitted)
 
2016
  
2015
 
Consideration paid :
      
   Cash
 
$
575
  
$
56,266
 
   Community Bank System, Inc. common stock
  
0
   
102,202
 
   Total net consideration paid
  
575
   
158,468
 
Recognized amounts of identifiable assets acquired and liabilities assumed:
        
Cash and cash equivalents
  
0
   
81,772
 
Investment securities
  
0
   
225,729
 
Loans
  
0
   
399,422
 
Premises and equipment
  
0
   
22,212
 
Accrued interest receivable
  
0
   
1,133
 
Other assets
  
0
   
26,529
 
Core deposit intangibles
  
0
   
2,570
 
Other intangibles
  
288
   
9,994
 
Deposits
  
0
   
(699,241
)
Other liabilities
  
0
   
(1,333
)
  Total identifiable assets, net
  
288
   
68,787
 
     Goodwill
 
$
287
  
$
89,681
 
Summary of Loans Acquired
The following is a summary of the loans acquired from Oneida at the date of acquisition:

  
Acquired
  
Acquired
  
Total
 
  
Impaired
  
Non-impaired
  
Acquired
 
(000s omitted)
 
Loans
  
Loans
  
Loans
 
Contractually required principal and interest at acquisition
 
$
5,138
  
$
484,937
  
$
490,075
 
Contractual cash flows not expected to be collected
  
(1,977
)
  
(4,833
)
  
(6,810
)
    Expected cash flows at acquisition
  
3,161
   
480,104
   
483,265
 
Interest component of expected cash flows
  
(341
)
  
(83,502
)
  
(83,843
)
   Fair value of acquired loans
 
$
2,820
  
$
396,602
  
$
399,422
 
Pro Forma Financial Information
Acquisition-related expenses totaling $0.4 million and $0.8 million are excluded from the pro forma information for the three and six months ended June 30, 2015, respectively.
 
(000's omitted)
 
Pro Forma (Unaudited)
Three Months Ended
June 30, 2015
  
Pro Forma (Unaudited)
Six Months Ended
June 30, 2015
 
Total revenue, net of interest expense
 
$
104,069
  
$
207,010
 
Net income
  
24,770
   
48,501
 
XML 37 R25.htm IDEA: XBRL DOCUMENT v3.5.0.2
INVESTMENT SECURITIES (Tables)
 6 Months Ended
Jun. 30, 2016
INVESTMENT SECURITIES [Abstract]  
Amortized Cost and Estimated Fair Value of Investment Securities
The amortized cost and estimated fair value of investment securities as of June 30, 2016 and December 31, 2015 are as follows:

  
June 30, 2016
  
December 31, 2015
 
     
Gross
  
Gross
        
Gross
  
Gross
    
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
 
(000's omitted)
 
Cost
  
Gains
  
Losses
  
Value
  
Cost
  
Gains
  
Losses
  
Value
 
Available-for-Sale Portfolio:
                        
U.S. Treasury and agency securities
 
$
1,871,049
  
$
121,608
  
$
0
  
$
1,992,657
  
$
1,866,819
  
$
35,186
  
$
2,027
  
$
1,899,978
 
Obligations of state and political subdivisions
  
611,129
   
34,360
   
1
   
645,488
   
640,455
   
26,487
   
59
   
666,883
 
Government agency mortgage-backed securities
  
215,191
   
8,235
   
287
   
223,139
   
205,220
   
6,906
   
1,261
   
210,865
 
Corporate debt securities
  
16,606
   
54
   
0
   
16,660
   
16,672
   
66
   
58
   
16,680
 
Government agency collateralized mortgage obligations
  
11,006
   
496
   
0
   
11,502
   
12,862
   
446
   
0
   
13,308
 
Marketable equity securities
  
251
   
187
   
21
   
417
   
250
   
163
   
14
   
399
 
     Total available-for-sale portfolio
 
$
2,725,232
  
$
164,940
  
$
309
  
$
2,889,863
  
$
2,742,278
  
$
69,254
  
$
3,419
  
$
2,808,113
 
                                 
Other Securities:
                                
Federal Home Loan Bank common stock
 
$
17,732
          
$
17,732
  
$
19,317
          
$
19,317
 
Federal Reserve Bank common stock
  
19,780
           
19,780
   
16,050
           
16,050
 
Other equity securities
  
3,926
           
3,926
   
4,460
           
4,460
 
     Total other securities
 
$
41,438
          
$
41,438
  
$
39,827
          
$
39,827
 
Summary of Investment Securities That Have Been in a Continuous Unrealized Loss Position for Less Than or Greater Than Twelve Months
A summary of investment securities that have been in a continuous unrealized loss position is as follows:

As of June 30, 2016
 
  
Less than 12 Months
  
12 Months or Longer
  
Total
 
        
Gross
        
Gross
        
Gross
 
     
Fair
  
Unrealized
     
Fair
  
Unrealized
     
Fair
  
Unrealized
 
(000's omitted)
  
#
  
Value
  
Losses
   
#
  
Value
  
Losses
   
#
  
Value
  
Losses
 
                               
Available-for-Sale Portfolio:
                              
 Obligations of state and political subdivisions
  
3
  
$
842
  
$
1
   
0
  
$
0
  
$
0
   
3
  
$
842
  
$
1
 
 Government agency mortgage-backed securities
  
5
   
1,128
   
9
   
14
   
23,688
   
278
   
19
   
24,816
   
287
 
 Corporate debt securities
  
1
   
3,000
   
0
   
0
   
0
   
0
   
1
   
3,000
   
0
 
 Government agency collateralized mortgage obligations
  
0
   
0
   
0
   
2
   
3
   
0
   
2
   
3
   
0
 
 Marketable equity securities
  
1
   
79
   
21
   
0
   
0
   
0
   
1
   
79
   
21
 
    Total available-for-sale investment portfolio
  
10
  
$
5,049
  
$
31
   
16
  
$
23,691
  
$
278
   
26
  
$
28,740
  
$
309
 
 
 
 
 
 
 
 
 
 
 
 
As of December 31, 2015
 
  
Less than 12 Months
  
12 Months or Longer
  
Total
 
        
Gross
        
Gross
        
Gross
 
     
Fair
  
Unrealized
     
Fair
  
Unrealized
     
Fair
  
Unrealized
 
(000's omitted)
  
#
  
Value
  
Losses
   
#
  
Value
  
Losses
   
#
  
Value
  
Losses
 
                               
Available-for-Sale Portfolio:
                              
 U.S. Treasury and agency obligations
  
9
  
$
353,844
  
$
2,027
   
0
  
$
0
  
$
0
   
9
  
$
353,844
  
$
2,027
 
 Obligations of state and political subdivisions
  
18
   
8,804
   
34
   
2
   
735
   
25
   
20
   
9,539
   
59
 
 Government agency mortgage-backed securities
  
17
   
24,178
   
161
   
19
   
30,103
   
1,100
   
36
   
54,281
   
1,261
 
 Corporate debt securities
  
1
   
3,024
   
0
   
1
   
2,710
   
58
   
2
   
5,734
   
58
 
 Government agency collateralized mortgage obligations
  
0
   
0
   
0
   
2
   
3
   
0
   
2
   
3
   
0
 
 Marketable equity securities
  
1
   
87
   
14
   
0
   
0
   
0
   
1
   
87
   
14
 
    Total available-for-sale investment portfolio
  
46
  
$
389,937
  
$
2,236
   
24
  
$
33,551
  
$
1,183
   
70
  
$
423,488
  
$
3,419
 
Amortized Cost and Estimated Fair Value of Debt Securities by Contractual Maturity
The amortized cost and estimated fair value of debt securities at June 30, 2016, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately.

  
Available-for-Sale
 
  
Amortized
  
Fair
 
(000's omitted)
 
Cost
  
Value
 
Due in one year or less
 
$
46,761
  
$
47,048
 
Due after one through five years
  
775,417
   
815,276
 
Due after five years through ten years
  
1,465,017
   
1,564,831
 
Due after ten years
  
211,589
   
227,650
 
     Subtotal
  
2,498,784
   
2,654,805
 
Government agency mortgage-backed securities
  
215,191
   
223,139
 
Government agency collateralized mortgage obligations
  
11,006
   
11,502
 
     Total
 
$
2,724,981
  
$
2,889,446
 
XML 38 R26.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS (Tables)
 6 Months Ended
Jun. 30, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Schedule of Loans Receivable, Net
The balances of these classes are summarized as follows:
 
  
June 30,
  
December 31,
 
(000's omitted)
 
2016
  
2015
 
Consumer mortgage
 
$
1,779,295
  
$
1,769,754
 
Business lending
  
1,536,546
   
1,497,271
 
Consumer indirect
  
993,132
   
935,760
 
Consumer direct
  
195,959
   
195,076
 
Home equity
  
399,870
   
403,514
 
  Gross loans, including deferred origination costs
  
4,904,802
   
4,801,375
 
Allowance for loan losses
  
(46,526
)
  
(45,401
)
Loans, net of allowance for loan losses
 
$
4,858,276
  
$
4,755,974
 
Schedule of Accretable Discount Related to Credit Impaired Acquired Loans
The outstanding balance related to credit impaired acquired loans was $8.1 million and $8.5 million at June 30, 2016 and December 31, 2015, respectively.  The changes in the accretable discount related to the credit impaired acquired loans are as follows:

(000's omitted)
   
Balance at December 31, 2015
 
$
810
 
Accretion recognized, year-to-date
  
(252
)
Net reclassification to accretable from non-accretable
  
116
 
Balance at June 30, 2016
 
$
674
 
Aged Analysis of the Company's Past Due Loans by Class
The following is an aged analysis of the Company's past due loans, by class as of June 30, 2016:

Legacy Loans (excludes loans acquired after January 1, 2009)

  
Past Due
  
90+ Days Past
             
  
30 – 89
  
Due and
     
Total
       
(000's omitted)
 
Days
  
Still Accruing
  
Nonaccrual
  
Past Due
  
Current
  
Total Loans
 
Consumer mortgage
 
$
9,857
  
$
1,018
  
$
11,621
  
$
22,496
  
$
1,581,063
  
$
1,603,559
 
Business lending
  
5,660
   
342
   
4,714
   
10,716
   
1,279,860
   
1,290,576
 
Consumer indirect
  
9,356
   
142
   
0
   
9,498
   
946,646
   
956,144
 
Consumer direct
  
1,179
   
26
   
0
   
1,205
   
182,127
   
183,332
 
Home equity
  
815
   
45
   
1,924
   
2,784
   
303,665
   
306,449
 
Total
 
$
26,867
  
$
1,573
  
$
18,259
  
$
46,699
  
$
4,293,361
  
$
4,340,060
 

Acquired Loans (includes loans acquired after January 1, 2009)

  
Past Due
  
90+ Days Past
                
  
30 – 89
  
Due and
     
Total
  
Acquired
       
(000's omitted)
 
Days
  
Still Accruing
  
Nonaccrual
  
Past Due
  
Impaired(1)
  
Current
  
Total Loans
 
Consumer mortgage
 
$
1,565
  
$
270
  
$
2,223
  
$
4,058
  
$
0
  
$
171,678
  
$
175,736
 
Business lending
  
340
   
0
   
1,260
   
1,600
   
7,008
   
237,362
   
245,970
 
Consumer indirect
  
168
   
0
   
0
   
168
   
0
   
36,820
   
36,988
 
Consumer direct
  
84
   
0
   
0
   
84
   
0
   
12,543
   
12,627
 
Home equity
  
684
   
66
   
408
   
1,158
   
0
   
92,263
   
93,421
 
Total
 
$
2,841
  
$
336
  
$
3,891
  
$
7,068
  
$
7,008
  
$
550,666
  
$
564,742
 

 
(1)
Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
 
 
The following is an aged analysis of the Company's past due loans by class as of December 31, 2015:

Legacy Loans (excludes loans acquired after January 1, 2009)

  
Past Due
  
90+ Days Past
             
  
30 – 89
  
Due and
     
Total
       
(000's omitted)
 
Days
  
Still Accruing
  
Nonaccrual
  
Past Due
  
Current
  
Total Loans
 
Consumer mortgage
 
$
10,482
  
$
1,411
  
$
11,394
  
$
23,287
  
$
1,558,171
  
$
1,581,458
 
Business lending
  
4,442
   
126
   
5,381
   
9,949
   
1,223,679
   
1,233,628
 
Consumer indirect
  
11,575
   
102
   
0
   
11,677
   
878,662
   
890,339
 
Consumer direct
  
1,414
   
51
   
1
   
1,466
   
176,585
   
178,051
 
Home equity
  
1,093
   
111
   
2,029
   
3,233
   
297,012
   
300,245
 
Total
 
$
29,006
  
$
1,801
  
$
18,805
  
$
49,612
  
$
4,134,109
  
$
4,183,721
 

Acquired Loans (includes loans acquired after January 1, 2009)

  
Past Due
  
90+ Days Past
                
  
30 – 89
  
Due and
     
Total
  
Acquired
       
(000's omitted)
 
Days
  
Still Accruing
  
Nonaccrual
  
Past Due
  
Impaired(1)
  
Current
  
Total Loans
 
Consumer mortgage
 
$
1,373
  
$
394
  
$
1,396
  
$
3,163
  
$
0
  
$
185,133
  
$
188,296
 
Business lending
  
535
   
0
   
1,186
   
1,721
   
7,299
   
254,623
   
263,643
 
Consumer indirect
  
245
   
0
   
0
   
245
   
0
   
45,176
   
45,421
 
Consumer direct
  
140
   
0
   
14
   
154
   
0
   
16,871
   
17,025
 
Home equity
  
636
   
0
   
327
   
963
   
0
   
102,306
   
103,269
 
Total
 
$
2,929
  
$
394
  
$
2,923
  
$
6,246
  
$
7,299
  
$
604,109
  
$
617,654
 
 
 
(1)
Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
Summary of Non-business Impaired Loans
All loan classes are collectively evaluated for impairment except business lending, as described in Note C.  A summary of individually evaluated impaired loans as of June 30, 2016 and December 31, 2015 follows:

  
June 30,
  
December 31,
 
(000's omitted)
 
2016
  
2015
 
Loans with allowance allocation
 
$
1,187
  
$
0
 
Loans without allowance allocation
  
601
   
2,376
 
Unpaid principal balance
  
1,788
   
2,376
 
Contractual balance
  
3,401
   
3,419
 
Allowance for loan loss allocated
  
255
   
0
 
Troubled Debt Restructurings on Financing Receivables
Information regarding TDRs as of June 30, 2016 and December 31, 2015 is as follows:

  
June 30, 2016
  
December 31, 2015
 
(000's omitted)
 
Nonaccrual
  
Accruing
  
Total
  
Nonaccrual
  
Accruing
  
Total
 
   
#
  
Amount
   
#
  
Amount
   
#
  
Amount
   
#
  
Amount
   
#
  
Amount
   
#
  
Amount
 
Consumer mortgage
  
43
  
$
1,979
   
44
  
$
2,227
   
87
  
$
4,206
   
37
  
$
1,472
   
54
  
$
2,486
   
91
  
$
3,958
 
Business lending
  
10
   
234
   
5
   
708
   
15
   
942
   
8
   
217
   
6
   
737
   
14
   
954
 
Consumer indirect
  
0
   
0
   
83
   
806
   
83
   
806
   
0
   
0
   
77
   
691
   
77
   
691
 
Consumer direct
  
0
   
0
   
10
   
71
   
10
   
71
   
0
   
0
   
32
   
37
   
32
   
37
 
Home equity
  
14
   
240
   
12
   
261
   
26
   
501
   
10
   
203
   
14
   
301
   
24
   
504
 
Total
  
67
  
$
2,453
   
154
  
$
4,073
   
221
  
$
6,526
   
55
  
$
1,892
   
183
  
$
4,252
   
238
  
$
6,144
 


 
 
 
 
 
 
 
 
 
The following table presents information related to loans modified in a TDR during the three months and six months ended June 30, 2016 and 2015.  Of the loans noted in the table below, all loans for the three months and six months ended June 30, 2016 and 2015 were modified due to a Chapter 7 bankruptcy as described previously.  The financial effects of these restructurings were immaterial.

  
Three Months Ended June 30, 2016
  
Three Months Ended June 30, 2015
 
(000's omitted)
 
Number of loans modified
  
Outstanding Balance
  
Number of loans modified
  
Outstanding Balance
 
Consumer mortgage
  
5
  
$
437
   
2
  
$
61
 
Business lending
  
2
   
51
   
0
   
0
 
Consumer indirect
  
9
   
118
   
6
   
84
 
Consumer direct
  
1
   
52
   
1
   
1
 
Home equity
  
3
   
73
   
0
   
0
 
Total
  
20
  
$
731
   
9
  
$
146
 
 
  
Six Months Ended June 30, 2016
  
Six Months Ended June 30, 2015
 
(000's omitted)
 
Number of loans modified
  
Outstanding Balance
  
Number of loans modified
  
Outstanding Balance
 
Consumer mortgage
  
8
  
$
652
   
6
  
$
280
 
Business lending
  
2
   
51
   
0
   
0
 
Consumer indirect
  
20
   
331
   
12
   
163
 
Consumer direct
  
1
   
52
   
2
   
4
 
Home equity
  
4
   
73
   
1
   
14
 
Total
  
35
  
$
1,159
   
21
  
$
461
 
Schedule of Allowance for Loan Losses by Class
The allowance for loan losses is general in nature and is available to absorb losses from any loan type despite the analysis below.  The following presents by class the activity in the allowance for loan losses:

  
Three Months Ended June 30, 2016
 
  
Consumer
  
Business
  
Consumer
  
Consumer
  
Home
     
Acquired
    
(000's omitted)
 
Mortgage
  
Lending
  
Indirect
  
Direct
  
Equity
  
Unallocated
  
Impaired
  
Total
 
Beginning balance
 
$
10,148
  
$
16,695
  
$
12,334
  
$
2,875
  
$
2,580
  
$
879
  
$
85
  
$
45,596
 
Charge-offs
  
(156
)
  
(770
)
  
(1,545
)
  
(389
)
  
(80
)
  
0
   
(26
)
  
(2,966
)
Recoveries
  
38
   
156
   
1,140
   
238
   
19
   
0
   
0
   
1,591
 
Provision
  
(177
)
  
868
   
1,286
   
296
   
(19
)
  
(29
)
  
80
   
2,305
 
Ending balance
 
$
9,853
  
$
16,949
  
$
13,215
  
$
3,020
  
$
2,500
  
$
850
  
$
139
  
$
46,526
 
 
 
 
 
 
 
 
 
    
  
Three Months Ended June 30, 2015
 
  
Consumer
  
Business
  
Consumer
  
Consumer
  
Home
     
Acquired
    
(000's omitted)
 
Mortgage
  
Lending
  
Indirect
  
Direct
  
Equity
  
Unallocated
  
Impaired
  
Total
 
Beginning balance
 
$
10,233
  
$
15,405
  
$
11,246
  
$
2,879
  
$
2,663
  
$
2,383
  
$
196
  
$
45,005
 
Charge-offs
  
(199
)
  
(299
)
  
(1,397
)
  
(294
)
  
(56
)
  
0
   
(43
)
  
(2,288
)
Recoveries
  
45
   
527
   
1,184
   
199
   
19
   
0
   
0
   
1,974
 
Provision
  
113
   
(280
)
  
569
   
207
   
51
   
(9
)
  
(60
)
  
591
 
Ending balance
 
$
10,192
  
$
15,353
  
$
11,602
  
$
2,991
  
$
2,677
  
$
2,374
  
$
93
  
$
45,282
 
    
  
Six Months Ended June 30, 2016
 
  
Consumer
  
Business
  
Consumer
  
Consumer
  
Home
      
Acquired
     
(000's omitted)
 
Mortgage
  
Lending
  
Indirect
  
Direct
  
Equity
  
Unallocated
  
Impaired
  
Total
 
Beginning balance
 
$
10,198
  
$
15,749
  
$
12,422
  
$
2,997
  
$
2,666
  
$
1,201
  
$
168
  
$
45,401
 
Charge-offs
  
(243
)
  
(979
)
  
(3,401
)
  
(852
)
  
(137
)
  
0
   
(26
)
  
(5,638
)
Recoveries
  
83
   
291
   
2,255
   
460
   
28
   
0
   
0
   
3,117
 
Provision
  
(185
)
  
1,888
   
1,939
   
415
   
(57
)
  
(351
)
  
(3
)
  
3,646
 
Ending balance
 
$
9,853
  
$
16,949
  
$
13,215
  
$
3,020
  
$
2,500
  
$
850
  
$
139
  
$
46,526
 
                                 
  
Six Months Ended June 30, 2015
 
  
Consumer
  
Business
  
Consumer
  
Consumer
  
Home
      
Acquired
     
(000's omitted)
 
Mortgage
  
Lending
  
Indirect
  
Direct
  
Equity
  
Unallocated
  
Impaired
  
Total
 
Beginning balance
 
$
10,286
  
$
15,787
  
$
11,544
  
$
3,083
  
$
2,701
  
$
1,767
  
$
173
  
$
45,341
 
Charge-offs
  
(642
)
  
(433
)
  
(2,823
)
  
(639
)
  
(122
)
  
0
   
(43
)
  
(4,702
)
Recoveries
  
66
   
608
   
2,337
   
392
   
26
   
0
   
0
   
3,429
 
Provision
  
482
   
(609
)
  
544
   
155
   
72
   
607
   
(37
)
  
1,214
 
Ending balance
 
$
10,192
  
$
15,353
  
$
11,602
  
$
2,991
  
$
2,677
  
$
2,374
  
$
93
  
$
45,282
 
Business Lending [Member]  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Schedule of Loans by Credit Quality Indicator
The following table shows the amount of business lending loans by credit quality category:

  
June 30, 2016
  
December 31, 2015
 
(000's omitted)
 
Legacy
  
Acquired
  
Total
  
Legacy
  
Acquired
  
Total
 
Pass
 
$
1,082,841
  
$
186,526
  
$
1,269,367
  
$
1,048,364
  
$
219,374
  
$
1,267,738
 
Special mention
  
135,172
   
31,724
   
166,896
   
124,768
   
20,007
   
144,775
 
Classified
  
72,283
   
20,712
   
92,995
   
60,181
   
16,963
   
77,144
 
Doubtful
  
280
   
0
   
280
   
315
   
0
   
315
 
Acquired impaired
  
0
   
7,008
   
7,008
   
0
   
7,299
   
7,299
 
Total
 
$
1,290,576
  
$
245,970
  
$
1,536,546
  
$
1,233,628
  
$
263,643
  
$
1,497,271
 
All Other Loans [Member]  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Schedule of Loans by Credit Quality Indicator
The following table details the balances in all other loan categories at June 30, 2016:

Legacy Loans (excludes loans acquired after January 1, 2009)
 
  
Consumer
  
Consumer
  
Consumer
  
Home
    
(000's omitted)
 
Mortgage
  
Indirect
  
Direct
  
Equity
  
Total
 
Performing
 
$
1,590,920
  
$
956,002
  
$
183,306
  
$
304,480
  
$
3,034,708
 
Nonperforming
  
12,639
   
142
   
26
   
1,969
   
14,776
 
Total
 
$
1,603,559
  
$
956,144
  
$
183,332
  
$
306,449
  
$
3,049,484
 

Acquired Loans (includes loans acquired after January 1, 2009)

  
Consumer
  
Consumer
  
Consumer
  
Home
    
(000's omitted)
 
Mortgage
  
Indirect
  
Direct
  
Equity
  
Total
 
Performing
 
$
173,243
  
$
36,988
  
$
12,627
  
$
92,947
  
$
315,805
 
Nonperforming
  
2,493
   
0
   
0
   
474
   
2,967
 
Total
 
$
175,736
  
$
36,988
  
$
12,627
  
$
93,421
  
$
318,772
 

The following table details the balances in all other loan categories at December 31, 2015:

Legacy Loans (excludes loans acquired after January 1, 2009)

  
Consumer
  
Consumer
  
Consumer
  
Home
    
(000's omitted)
 
Mortgage
  
Indirect
  
Direct
  
Equity
  
Total
 
Performing
 
$
1,568,653
  
$
890,237
  
$
177,999
  
$
298,105
  
$
2,934,994
 
Nonperforming
  
12,805
   
102
   
52
   
2,140
   
15,099
 
Total
 
$
1,581,458
  
$
890,339
  
$
178,051
  
$
300,245
  
$
2,950,093
 

Acquired Loans (includes loans acquired after January 1, 2009)

  
Consumer
  
Consumer
  
Consumer
  
Home
    
(000's omitted)
 
Mortgage
  
Indirect
  
Direct
  
Equity
  
Total
 
Performing
 
$
186,506
  
$
45,421
  
$
17,011
  
$
102,942
  
$
351,880
 
Nonperforming
  
1,790
   
0
   
14
   
327
   
2,131
 
Total
 
$
188,296
  
$
45,421
  
$
17,025
  
$
103,269
  
$
354,011
 
XML 39 R27.htm IDEA: XBRL DOCUMENT v3.5.0.2
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Tables)
 6 Months Ended
Jun. 30, 2016
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS [Abstract]  
Gross Carrying Amount and Accumulated Amortization of Identifiable Intangible Assets
The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows:

  
June 30, 2016
  
December 31, 2015
 
  
Gross
     
Net
  
Gross
     
Net
 
  
Carrying
  
Accumulated
  
Carrying
  
Carrying
  
Accumulated
  
Carrying
 
(000's omitted)
 
Amount
  
Amortization
  
Amount
  
Amount
  
Amortization
  
Amount
 
Amortizing intangible assets:
                  
  Core deposit intangibles
 
$
39,688
  
$ 
(31,309
)
 
$
8,379
  
$
39,688
  
$ 
(29,899
)
 
$
9,789
 
  Other intangibles
  
17,852
   
(7,895
)
  
9,957
   
17,565
   
(6,460
)
  
11,105
 
 Total amortizing intangibles
 
$
57,540
  
$ 
(39,204
)
 
$
18,336
  
$
57,253
  
$ 
(36,359
)
 
$
20,894
 
Estimated Aggregate Amortization Expense
The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows:

(000's omitted)
 
Jul - Dec 2016
 
$
2,634
 
2017
  
4,412
 
2018
  
3,566
 
2019
  
2,782
 
2020
  
2,119
 
Thereafter
  
2,823
 
Total
 
$
18,336
 
Components of Goodwill
Shown below are the components of the Company's goodwill at December 31, 2015 and June 30, 2016:

(000's omitted)
 
December 31, 2015
  
Activity
  
June 30, 2016
 
Goodwill
 
$
468,076
  
$
1,890
  
$
469,966
 
Accumulated impairment
  
(4,824
)
  
0
   
(4,824
)
Goodwill, net
 
$
463,252
  
$
1,890
  
$
465,142
 
XML 40 R28.htm IDEA: XBRL DOCUMENT v3.5.0.2
MANDATORILY REDEEMABLE PREFERRED SECURITIES (Tables)
 6 Months Ended
Jun. 30, 2016
MANDATORILY REDEEMABLE PREFERRED SECURITIES [Abstract]  
Terms of Preferred Securities for Each Trust
The terms of the preferred securities of each trust are as follows:

 
Issuance
Par
 
Maturity
 
Trust
Date
Amount
Interest Rate
Date
Call Price
III
7/31/2001
$24.5 million
3 month LIBOR plus 3.58% (4.22%)
7/31/2031
Par
IV
12/8/2006
$75 million
3 month LIBOR plus 1.65% (2.30%)
12/15/2036
Par
XML 41 R29.htm IDEA: XBRL DOCUMENT v3.5.0.2
BENEFIT PLANS (Tables)
 6 Months Ended
Jun. 30, 2016
BENEFIT PLANS [Abstract]  
Net Periodic Benefit Cost
The net periodic benefit cost for the three and six months ended June 30, 2016 and 2015 is as follows:

  
Pension Benefits
  
Post-retirement Benefits
 
  
Three Months Ended
  
Six Months Ended
  
Three Months Ended
  
Six Months Ended
 
  
June 30,
  
June 30,
  
June 30,
  
June 30,
 
(000's omitted)
 
2016
  
2015
  
2016
  
2015
  
2016
  
2015
  
2016
  
2015
 
Service cost
 
$
1,027
  
$
831
  
$
2,052
  
$
1,662
  
$
0
  
$
0
  
$
0
  
$
0
 
Interest cost
  
1,406
   
1,375
   
2,812
   
2,749
   
20
   
22
   
41
   
43
 
Expected return on plan assets
  
(2,961
)
  
(3,042
)
  
(5,921
)
  
(6,085
)
  
0
   
0
   
0
   
0
 
Amortization of unrecognized net loss
  
377
   
366
   
754
   
733
   
(1
)
  
(3
)
  
(3
)
  
(6
)
Amortization of prior service cost
  
11
   
2
   
22
   
4
   
(45
)
  
(45
)
  
(89
)
  
(89
)
Net periodic benefit cost
 
$ 
(140
)
 
$ 
(468
)
 
$ 
(281
)
 
$ 
(937
)
 
$ 
(26
)
 
$ 
(26
)
 
$ 
(51
)
 
$ 
(52
)
XML 42 R30.htm IDEA: XBRL DOCUMENT v3.5.0.2
EARNINGS PER SHARE (Tables)
 6 Months Ended
Jun. 30, 2016
EARNINGS PER SHARE [Abstract]  
Reconciliation of Basic to Diluted Earnings per Share
The following is a reconciliation of basic to diluted earnings per share for the three and six months ended June 30, 2016 and 2015:

  
Three Months Ended
  
Six Months Ended
 
  
June 30,
  
June 30,
 
(000's omitted, except per share data)
 
2016
  
2015
  
2016
  
2015
 
Net income
 
$
25,857
  
$
23,840
  
$
50,260
  
$
46,137
 
Income attributable to unvested stock-based compensation awards
  
(151
)
  
(99
)
  
(242
)
  
(177
)
Income available to common shareholders
 
$
25,706
  
$
23,741
  
$
50,018
  
$
45,960
 
                 
Weighted-average common shares outstanding – basic
  
44,021
   
40,690
   
43,942
   
40,674
 
Basic earnings per share
 
$
0.58
  
$
0.58
  
$
1.14
  
$
1.13
 
                 
Net income
 
$
25,857
  
$
23,840
  
$
50,260
  
$
46,137
 
Income attributable to unvested stock-based compensation awards
  
(151
)
  
(99
)
  
(242
)
  
(177
)
Income available to common shareholders
 
$
25,706
  
$
23,741
  
$
50,018
  
$
45,960
 
                 
Weighted-average common shares outstanding – basic
  
44,021
   
40,690
   
43,942
   
40,674
 
Assumed exercise of stock options
  
357
   
404
   
347
   
405
 
Weighted-average common shares outstanding – diluted
  
44,378
   
41,094
   
44,289
   
41,079
 
Diluted earnings per share
 
$
0.58
  
$
0.58
  
$
1.13
  
$
1.12
 
XML 43 R31.htm IDEA: XBRL DOCUMENT v3.5.0.2
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
 6 Months Ended
Jun. 30, 2016
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]  
Off-Balance-Sheet Financial Instruments Contract Amounts
The contract amounts of commitments and contingencies are as follows:

(000's omitted)
 
June 30,
2016
  
December 31,
2015
 
Commitments to extend credit
 
$
725,561
  
$
811,442
 
Standby letters of credit
  
19,713
   
19,053
 
Total
 
$
745,274
  
$
830,495
 
XML 44 R32.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE (Tables)
 6 Months Ended
Jun. 30, 2016
FAIR VALUE [Abstract]  
Summary of Fair Value Measured on a Recurring Basis
A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.  The following tables set forth the Company’s financial assets and liabilities that were accounted for at fair value on a recurring basis.  There were no transfers between any of the levels for the periods presented.
 
  
June 30, 2016
 
(000's omitted)
 
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
 
Available-for-sale investment securities:
            
U.S. Treasury and agency securities
 
$
1,992,657
  
$
0
  
$
0
  
$
1,992,657
 
Obligations of state and political subdivisions
  
0
   
645,488
   
0
   
645,488
 
Government agency mortgage-backed securities
  
0
   
223,139
   
0
   
223,139
 
Corporate debt securities
  
0
   
16,660
   
0
   
16,660
 
Government agency collateralized mortgage obligations
  
0
   
11,502
   
0
   
11,502
 
Marketable equity securities
  
417
   
0
   
0
   
417
 
    Total available-for-sale investment securities
  
1,993,074
   
896,789
   
0
   
2,889,863
 
Mortgage loans held for sale
  
0
   
514
   
0
   
514
 
Commitments to originate real estate loans for sale
  
0
   
0
   
361
   
361
 
Forward sales commitments
  
0
   
(78
)
  
0
   
(78
)
  Total
 
$
1,993,074
  
$
897,225
  
$
361
  
$
2,890,660
 

  
December 31, 2015
 
(000's omitted)
 
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
 
Available-for-sale investment securities:
            
U.S. Treasury and agency securities
 
$
1,899,978
  
$
0
  
$
0
  
$
1,899,978
 
Obligations of state and political subdivisions
  
0
   
666,883
   
0
   
666,883
 
Government agency mortgage-backed securities
  
0
   
210,865
   
0
   
210,865
 
Corporate debt securities
  
0
   
16,680
   
0
   
16,680
 
Government agency collateralized mortgage obligations
  
0
   
13,308
   
0
   
13,308
 
Marketable equity securities
  
399
   
0
   
0
   
399
 
    Total available-for-sale investment securities
  
1,900,377
   
907,736
   
0
   
2,808,113
 
Mortgage loans held for sale
  
0
   
932
   
0
   
932
 
Commitments to originate real estate loans for sale
  
0
   
0
   
117
   
117
 
Forward sales commitments
  
0
   
(37
)
  
0
   
(37
)
Total
 
$
1,900,377
  
$
908,631
  
$
117
  
$
2,809,125
 
Changes in Level 3 Assets Measured at Fair Value on a Recurring Basis
The changes in Level 3 assets measured at fair value on a recurring basis are summarized in the following tables:
 
  
Three Months Ended
  
Six Months Ended
 
  
June 30,
  
June 30,
 
  
2016
  
2015
  
2016
  
2015
 
(000's omitted)
 
Commitments
to Originate
Real Estate
Loans for Sale
  
Commitments
to Originate
Real Estate
Loans for Sale
  
Commitments
to Originate
Real Estate
Loans for Sale
  
Commitments
to Originate
Real Estate
Loans for Sale
 
Beginning balance
 
$
282
  
$
152
  
$
117
  
$
185
 
Total losses included in earnings (1)
  
(282
)
  
(152
)
  
(399
)
  
(337
)
Commitments to originate real estate loans held for sale, net
  
361
   
195
   
643
   
347
 
Ending balance
 
$
361
  
$
195
  
$
361
  
$
195
 
 
 
 
 
 
 
 
 
 
 
(1)
Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income
Assets and Liabilities Measured on a Non-Recurring Basis
The fair value information of assets and liabilities measured on a non-recurring basis presented below is not as of the period-end, but rather as of the date the fair value adjustment was recorded closest to the date presented.
 
  
June 30, 2016
  
December 31, 2015
 
(000's omitted)
 
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
  
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
 
Impaired loans
 
$
0
  
$
0
  
$
932
  
$
932
  
$
0
  
$
0
  
$
1,765
  
$
1,765
 
Mortgage servicing rights
  
0
   
0
   
638
   
638
   
0
   
0
   
0
   
0
 
Other real estate owned
  
0
   
0
   
1,726
   
1,726
   
0
   
0
   
2,088
   
2,088
 
   Total
 
$
0
  
$
0
  
$
3,296
  
$
3,296
  
$
0
  
$
0
  
$
3,853
  
$
3,853
 
Significant Unobservable Inputs, Fair Value Valuation Techniques
The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis are as follows:
 
(000's omitted)
 
Fair Value at
June 30, 2016
 
Valuation Technique
Significant Unobservable Inputs
 
Significant
Unobservable Input Range
(Weighted Average)
 
Other real estate owned
 
$
1,726
 
Fair Value of Collateral
Estimated cost of disposal/market adjustment
  
6.3% - 93.8% (31.5
%)
Impaired loans
  
932
 
Fair Value of Collateral
Estimated cost of disposal/market adjustment
  
9.0% - 16.9% (12.8
%)
Commitments to originate
     real estate loans for sale
  
361
 
Discounted cash flow
Embedded servicing value
  
1
%
Mortgage servicing rights
  
638
 
Discounted cash flow
Weighted average constant prepayment rate
  
11.8
%
        
Weighted average discount rate
  
2.24
%
        
Adequate compensation
 
$7/loan
 

(000's omitted)
 
Fair Value at December 31, 2015
 
Valuation Technique
Significant Unobservable Inputs
 
Significant
Unobservable Input Range
(Weighted Average)
 
Other real estate owned
 
$
2,088
 
Fair value of collateral
Estimated cost of disposal/market adjustment
  
5.3% - 74.0% (27.7
%)
Impaired loans
  
1,765
 
Fair value of collateral
Estimated cost of disposal/market adjustment
  
9.0% - 20.0% (17.9
%)
Commitments to originate
     real estate loans for sale
  
117
 
Discounted cash flow
Embedded servicing value
  
1
%
Carrying Amounts and Estimated Fair Values of Other Financial Instruments
The carrying amounts and estimated fair values of the Company's other financial instruments that are not accounted for at fair value at June 30, 2016 and December 31, 2015 are as follows:

  
June 30, 2016
  
December 31, 2015
 
  
Carrying
  
Fair
  
Carrying
  
Fair
 
(000's omitted)
 
Value
  
Value
  
Value
  
Value
 
Financial assets:
            
   Net loans
 
$
4,858,276
  
$
4,928,960
  
$
4,755,974
  
$
4,808,856
 
Financial liabilities:
                
   Deposits
  
6,957,854
   
6,956,075
   
6,873,474
   
6,871,098
 
   Borrowings
  
267,600
   
267,600
   
301,300
   
301,300
 
   Subordinated debt held by unconsolidated subsidiary trusts
  
102,158
   
80,108
   
102,146
   
84,680
 
XML 45 R33.htm IDEA: XBRL DOCUMENT v3.5.0.2
SEGMENT INFORMATION (Tables)
 6 Months Ended
Jun. 30, 2016
SEGMENT INFORMATION [Abstract]  
Schedule of Segment Reporting Information by Segment
Information about reportable segments and reconciliation of the information to the consolidated financial statements follows:

(000's omitted) 
 
Banking
  
Employee
Benefit Services
  
All Other
  
Eliminations
  
Consolidated Total
 
Three Months Ended June 30, 2016
               
Net interest income
 
$
68,220
  
$
38
  
$
48
  
$
0
  
$
68,306
 
Provision for loan losses
  
2,305
   
0
   
0
   
0
   
2,305
 
Noninterest revenues
  
16,594
   
12,067
   
10,706
   
(595
)
  
38,772
 
Amortization of intangible assets
  
691
   
114
   
598
   
0
   
1,403
 
Other operating expenses
  
47,615
   
9,432
   
8,501
   
(595
)
  
64,953
 
Income before income taxes
 
$
34,203
  
$
2,559
  
$
1,655
  
$
0
  
$
38,417
 
Assets
 
$
8,675,329
  
$
34,814
  
$
68,945
  
$ 
(36,977
)
 
$
8,742,111
 
Goodwill
 
$
440,870
  
$
8,018
  
$
16,254
  
$
0
  
$
465,142
 
                     
Three Months Ended June 30, 2015
                    
Net interest income
 
$
61,165
  
$
35
  
$
28
  
$
0
  
$
61,228
 
Provision for loan losses
  
591
   
0
   
0
   
0
   
591
 
Noninterest revenues
  
14,009
   
11,606
   
4,576
   
(472
)
  
29,719
 
Amortization of intangible assets
  
709
   
133
   
38
   
0
   
880
 
Other operating expenses
  
43,393
   
8,957
   
3,290
   
(472
)
  
55,168
 
Income before income taxes
 
$
30,481
  
$
2,551
  
$
1,276
  
$
0
  
$
34,308
 
Assets
 
$
7,882,898
  
$
33,609
  
$
17,047
  
$ 
(24,783
)
 
$
7,908,771
 
Goodwill
 
$
364,495
  
$
8,019
  
$
2,660
  
$
0
  
$
375,174
 
                     
Six Months Ended June 30, 2016
                    
Net interest income
 
$
135,019
  
$
77
  
$
91
  
$
0
  
$
135,187
 
Provision for loan losses
  
3,646
   
0
   
0
   
0
   
3,646
 
Noninterest revenues
  
31,907
   
24,457
   
21,850
   
(1,161
)
  
77,053
 
Amortization of intangible assets
  
1,410
   
230
   
1,205
   
0
   
2,845
 
Other operating expenses
  
96,145
   
18,879
   
17,317
   
(1,161
)
  
131,180
 
Income before income taxes
 
$
65,725
  
$
5,425
  
$
3,419
  
$
0
  
$
74,569
 
                     
Six Months Ended June 30, 2015
                    
Net interest income
 
$
120,948
  
$
65
  
$
55
  
$
0
  
$
121,068
 
Provision for loan losses
  
1,214
   
0
   
0
   
0
   
1,214
 
Noninterest revenues
  
27,534
   
22,959
   
9,208
   
(936
)
  
58,765
 
Amortization of intangible assets
  
1,448
   
266
   
85
   
0
   
1,799
 
Other operating expenses
  
87,212
   
17,408
   
6,513
   
(936
)
  
110,197
 
Income before income taxes
 
$
58,608
  
$
5,350
  
$
2,665
  
$
0
  
$
66,623
 
XML 46 R34.htm IDEA: XBRL DOCUMENT v3.5.0.2
ACQUISITIONS (Details)
shares in Thousands, $ in Thousands
 3 Months Ended 6 Months Ended
Dec. 04, 2015
USD ($)
Branch
shares
Jun. 30, 2016
USD ($)
Jun. 30, 2016
USD ($)
Business Acquisition [Line Items]      
Increase in goodwill as a result of fair value adjustment     $ 1,890
Oneida Financial Corp [Member]      
Business Acquisition [Line Items]      
Issuance of common shares (in shares) | shares 2,380    
Number of new branch locations included in acquisition or purchase agreement | Branch 12    
Assets acquired $ 769,000    
Decrease in other assets as a result of fair value adjustment   $ (900)  
Increase in other liabilities as a result of fair value adjustment   700  
Increase in goodwill as a result of fair value adjustment   $ 1,600  
XML 47 R35.htm IDEA: XBRL DOCUMENT v3.5.0.2
ACQUISITIONS, Estimated Fair Value of Assets Acquired and Liabilities Assumed (Details) - USD ($)
$ in Thousands
 6 Months Ended
Jan. 04, 2016
Dec. 04, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Consideration paid [Abstract]          
Total net consideration paid     $ 575 $ 0  
Recognized amounts of identifiable assets acquired and liabilities assumed [Abstract]          
Goodwill     $ 465,142 $ 375,174 $ 463,252
WJL Agencies Inc [Member]          
Consideration paid [Abstract]          
Cash $ 575        
Community Bank System, Inc. common stock 0        
Total net consideration paid 575        
Recognized amounts of identifiable assets acquired and liabilities assumed [Abstract]          
Cash and cash equivalents 0        
Investment securities 0        
Loans 0        
Premises and equipment 0        
Accrued interest receivable 0        
Other assets 0        
Deposits 0        
Other liabilities 0        
Total identifiable assets, net 288        
Goodwill 287        
WJL Agencies Inc [Member] | Core Deposits [Member]          
Recognized amounts of identifiable assets acquired and liabilities assumed [Abstract]          
Intangibles 0        
WJL Agencies Inc [Member] | Other Intangibles [Member]          
Recognized amounts of identifiable assets acquired and liabilities assumed [Abstract]          
Intangibles $ 288        
Oneida Financial Corp [Member]          
Consideration paid [Abstract]          
Cash   $ 56,266      
Community Bank System, Inc. common stock   102,202      
Total net consideration paid   158,468      
Recognized amounts of identifiable assets acquired and liabilities assumed [Abstract]          
Cash and cash equivalents   81,772      
Investment securities   225,729      
Loans   399,422      
Premises and equipment   22,212      
Accrued interest receivable   1,133      
Other assets   26,529      
Deposits   (699,241)      
Other liabilities   (1,333)      
Total identifiable assets, net   68,787      
Goodwill   89,681      
Oneida Financial Corp [Member] | Core Deposits [Member]          
Recognized amounts of identifiable assets acquired and liabilities assumed [Abstract]          
Intangibles   2,570      
Oneida Financial Corp [Member] | Other Intangibles [Member]          
Recognized amounts of identifiable assets acquired and liabilities assumed [Abstract]          
Intangibles   $ 9,994      
XML 48 R36.htm IDEA: XBRL DOCUMENT v3.5.0.2
ACQUISITIONS, Summary of Loans Acquired (Details) - Oneida Financial Corp [Member]
$ in Thousands
Dec. 04, 2015
USD ($)
Summary of loans acquired [Abstract]  
Contractually required principal and interest at acquisition $ 490,075
Contractual cash flows not expected to be collected (6,810)
Expected cash flows at acquisition 483,265
Interest component of expected cash flows (83,843)
Fair value of acquired loans 399,422
Acquired Impaired Loans [Member]  
Summary of loans acquired [Abstract]  
Contractually required principal and interest at acquisition 5,138
Contractual cash flows not expected to be collected (1,977)
Expected cash flows at acquisition 3,161
Interest component of expected cash flows (341)
Fair value of acquired loans 2,820
Acquired Non Impaired Loans [Member]  
Summary of loans acquired [Abstract]  
Contractually required principal and interest at acquisition 484,937
Contractual cash flows not expected to be collected (4,833)
Expected cash flows at acquisition 480,104
Interest component of expected cash flows (83,502)
Fair value of acquired loans $ 396,602
XML 49 R37.htm IDEA: XBRL DOCUMENT v3.5.0.2
ACQUISITIONS, Intangible Asset, Goodwill and Acquisition-related Expenses (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Summary of loans acquired [Abstract]        
Merger and acquisition integration-related expenses $ 263 $ 361 $ 340 $ 756
Oneida Financial Corp [Member] | Core Deposits [Member]        
Finite-Lived Intangible Assets [Line Items]        
Estimated useful life     8 years  
Oneida Financial Corp [Member] | Other Intangibles [Member]        
Finite-Lived Intangible Assets [Line Items]        
Estimated useful life     8 years  
WJL Agencies Inc [Member] | Other Intangibles [Member]        
Finite-Lived Intangible Assets [Line Items]        
Estimated useful life     8 years  
XML 50 R38.htm IDEA: XBRL DOCUMENT v3.5.0.2
ACQUISITIONS, Supplemental Pro Forma Financial Information (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2015
Jun. 30, 2015
Jun. 30, 2016
Supplemental Pro Forma Financial Information [Abstract]      
Acquisition-related expenses excluded from pro forma information $ 400 $ 800  
Minimum assets for changes in effective tax rate     $ 8,000,000
Total revenue, net of interest expense 104,069 207,010  
Net income $ 24,770 $ 48,501  
XML 51 R39.htm IDEA: XBRL DOCUMENT v3.5.0.2
ACCOUNTING POLICIES (Details)
$ in Millions
 6 Months Ended
Jun. 30, 2016
USD ($)
Component
Calculation
Segment
Factor
Financing Receivable, Allowance for Credit Losses [Line Items]  
Number of broad components used in allowance methodology | Component 2
Number of calculations used for general loan loss allocation | Calculation 2
Number of main loan segments | Segment 5
Period of historical net charge-off data for each loan class used in determining allowance level 36 months
Number of qualitative environmental factors used in qualitative calculation for loan loss allocation | Factor 8
Core Deposits [Member] | Minimum [Member]  
Finite-Lived Intangible Assets [Line Items]  
Intangible asset useful life (amortization period) 7 years
Core Deposits [Member] | Maximum [Member]  
Finite-Lived Intangible Assets [Line Items]  
Intangible asset useful life (amortization period) 20 years
Customer Relationships [Member] | Minimum [Member]  
Finite-Lived Intangible Assets [Line Items]  
Intangible asset useful life (amortization period) 7 years
Customer Relationships [Member] | Maximum [Member]  
Finite-Lived Intangible Assets [Line Items]  
Intangible asset useful life (amortization period) 20 years
Commercial Portfolio Segment [Member] | Minimum [Member]  
Financing Receivable, Allowance for Credit Losses [Line Items]  
Threshold balance of loan individually evaluated for impairment | $ $ 0.5
XML 52 R40.htm IDEA: XBRL DOCUMENT v3.5.0.2
INVESTMENT SECURITIES (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Available-for-Sale Portfolio [Abstract]    
Amortized cost $ 2,725,232 $ 2,742,278
Gross unrealized gains 164,940 69,254
Gross unrealized losses 309 3,419
Fair value 2,889,863 2,808,113
Available For Sale Debt Securities Amortized Cost Basis [Abstract]    
Amortized cost 2,724,981  
Fair value 2,889,446  
Other Securities [Abstract]    
Amortized cost 41,438 39,827
Fair value 41,438 39,827
U.S. Treasury and Agency Obligations [Member]    
Available For Sale Debt Securities Amortized Cost Basis [Abstract]    
Amortized cost 1,871,049 1,866,819
Gross unrealized gains 121,608 35,186
Gross unrealized losses 0 2,027
Fair value 1,992,657 1,899,978
Obligations of State and Political Subdivisions [Member]    
Available For Sale Debt Securities Amortized Cost Basis [Abstract]    
Amortized cost 611,129 640,455
Gross unrealized gains 34,360 26,487
Gross unrealized losses 1 59
Fair value 645,488 666,883
Government Agency Mortgage-Backed Securities [Member]    
Available For Sale Debt Securities Amortized Cost Basis [Abstract]    
Amortized cost 215,191 205,220
Gross unrealized gains 8,235 6,906
Gross unrealized losses 287 1,261
Fair value 223,139 210,865
Corporate Debt Securities [Member]    
Available For Sale Debt Securities Amortized Cost Basis [Abstract]    
Amortized cost 16,606 16,672
Gross unrealized gains 54 66
Gross unrealized losses 0 58
Fair value 16,660 16,680
Government Agency Collateralized Mortgage Obligations [Member]    
Available For Sale Debt Securities Amortized Cost Basis [Abstract]    
Amortized cost 11,006 12,862
Gross unrealized gains 496 446
Gross unrealized losses 0 0
Fair value 11,502 13,308
Marketable Equity Securities [Member]    
Available For Sale Equity Securities Amortized Cost Basis [Abstract]    
Amortized cost 251 250
Gross unrealized gains 187 163
Gross unrealized losses 21 14
Fair value 417 399
Federal Home Loan Bank Common Stock [Member]    
Other Securities [Abstract]    
Amortized cost 17,732 19,317
Fair value 17,732 19,317
Federal Reserve Bank Common Stock [Member]    
Other Securities [Abstract]    
Amortized cost 19,780 16,050
Fair value 19,780 16,050
Other Equity Securities [Member]    
Other Securities [Abstract]    
Amortized cost 3,926 4,460
Fair value $ 3,926 $ 4,460
XML 53 R41.htm IDEA: XBRL DOCUMENT v3.5.0.2
INVESTMENT SECURITIES, Investment Securities in a Continuous Unrealized Loss Position (Details)
$ in Thousands
Jun. 30, 2016
USD ($)
Position
Dec. 31, 2015
USD ($)
Position
Available-for-Sale Portfolio in Unrealized Loss Positions, Number of Positions [Abstract]    
Less than 12 months | Position 10 46
12 months or longer | Position 16 24
Total | Position 26 70
Available-for-Sale Portfolio in Unrealized Loss Positions, Fair Value [Abstract]    
Less than 12 months $ 5,049 $ 389,937
12 months or longer 23,691 33,551
Total 28,740 423,488
Available-for-Sale Portfolio, Debt Maturities, Gross Unrealized Losses [Abstract]    
Less than 12 months 31 2,236
12 months or longer 278 1,183
Total $ 309 $ 3,419
U.S. Treasury and Agency Obligations [Member]    
Available-for-Sale Portfolio in Unrealized Loss Positions, Number of Positions [Abstract]    
Less than 12 months | Position   9
12 months or longer | Position   0
Total | Position   9
Available-for-Sale Portfolio in Unrealized Loss Positions, Fair Value [Abstract]    
Less than 12 months   $ 353,844
12 months or longer   0
Total   353,844
Available-for-Sale Portfolio, Debt Maturities, Gross Unrealized Losses [Abstract]    
Less than 12 months   2,027
12 months or longer   0
Total   $ 2,027
Obligations of State and Political Subdivisions [Member]    
Available-for-Sale Portfolio in Unrealized Loss Positions, Number of Positions [Abstract]    
Less than 12 months | Position 3 18
12 months or longer | Position 0 2
Total | Position 3 20
Available-for-Sale Portfolio in Unrealized Loss Positions, Fair Value [Abstract]    
Less than 12 months $ 842 $ 8,804
12 months or longer 0 735
Total 842 9,539
Available-for-Sale Portfolio, Debt Maturities, Gross Unrealized Losses [Abstract]    
Less than 12 months 1 34
12 months or longer 0 25
Total $ 1 $ 59
Government Agency Mortgage-Backed Securities [Member]    
Available-for-Sale Portfolio in Unrealized Loss Positions, Number of Positions [Abstract]    
Less than 12 months | Position 5 17
12 months or longer | Position 14 19
Total | Position 19 36
Available-for-Sale Portfolio in Unrealized Loss Positions, Fair Value [Abstract]    
Less than 12 months $ 1,128 $ 24,178
12 months or longer 23,688 30,103
Total 24,816 54,281
Available-for-Sale Portfolio, Debt Maturities, Gross Unrealized Losses [Abstract]    
Less than 12 months 9 161
12 months or longer 278 1,100
Total $ 287 $ 1,261
Corporate Debt Securities [Member]    
Available-for-Sale Portfolio in Unrealized Loss Positions, Number of Positions [Abstract]    
Less than 12 months | Position 1 1
12 months or longer | Position 0 1
Total | Position 1 2
Available-for-Sale Portfolio in Unrealized Loss Positions, Fair Value [Abstract]    
Less than 12 months $ 3,000 $ 3,024
12 months or longer 0 2,710
Total 3,000 5,734
Available-for-Sale Portfolio, Debt Maturities, Gross Unrealized Losses [Abstract]    
Less than 12 months 0 0
12 months or longer 0 58
Total $ 0 $ 58
Government Agency Collateralized Mortgage Obligations [Member]    
Available-for-Sale Portfolio in Unrealized Loss Positions, Number of Positions [Abstract]    
Less than 12 months | Position 0 0
12 months or longer | Position 2 2
Total | Position 2 2
Available-for-Sale Portfolio in Unrealized Loss Positions, Fair Value [Abstract]    
Less than 12 months $ 0 $ 0
12 months or longer 3 3
Total 3 3
Available-for-Sale Portfolio, Debt Maturities, Gross Unrealized Losses [Abstract]    
Less than 12 months 0 0
12 months or longer 0 0
Total $ 0 $ 0
Marketable Equity Securities [Member]    
Available-for-Sale Portfolio in Unrealized Loss Positions, Number of Positions [Abstract]    
Less than 12 months | Position 1 1
12 months or longer | Position 0 0
Total | Position 1 1
Available-for-Sale Portfolio in Unrealized Loss Positions, Fair Value [Abstract]    
Less than 12 months $ 79 $ 87
12 months or longer 0 0
Total 79 87
Available-for-Sale Portfolio, Debt Maturities, Gross Unrealized Losses [Abstract]    
Less than 12 months 21 14
12 months or longer 0 0
Total $ 21 $ 14
XML 54 R42.htm IDEA: XBRL DOCUMENT v3.5.0.2
INVESTMENT SECURITIES, Amortized Cost and Estimated Fair Value of Debt Securities by Contractual Maturity (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Available-for-Sale, Debt Maturities, Amortized Cost [Abstract]    
Due in one year or less $ 46,761  
Due in one to five years 775,417  
Due in five through ten years 1,465,017  
Due after ten years 211,589  
Subtotal 2,498,784  
Amortized cost 2,724,981  
Available-for-Sale, Debt Maturities, Fair Value [Abstract]    
Due in one year or less 47,048  
Due in one to five years 815,276  
Due in five through ten years 1,564,831  
Due after ten years 227,650  
Subtotal 2,654,805  
Fair value 2,889,446  
Government Agency Mortgage-Backed Securities [Member]    
Available-for-Sale, Debt Maturities, Amortized Cost [Abstract]    
Without single maturity date 215,191  
Amortized cost 215,191 $ 205,220
Available-for-Sale, Debt Maturities, Fair Value [Abstract]    
Without single maturity date 223,139  
Fair value 223,139 210,865
Government Agency Collateralized Mortgage Obligations [Member]    
Available-for-Sale, Debt Maturities, Amortized Cost [Abstract]    
Without single maturity date 11,006  
Amortized cost 11,006 12,862
Available-for-Sale, Debt Maturities, Fair Value [Abstract]    
Without single maturity date 11,502  
Fair value $ 11,502 $ 13,308
XML 55 R43.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS, Loan Summary (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2015
Jun. 30, 2015
Mar. 31, 2015
Dec. 31, 2014
Loans receivable, net [Abstract]              
Gross loans, including deferred origination costs $ 4,904,802 $ 4,904,802   $ 4,801,375      
Allowance for loan losses (46,526) (46,526) $ (45,596) (45,401) $ (45,282) $ (45,005) $ (45,341)
Net loans 4,858,276 4,858,276   4,755,974      
Credit impaired acquired loans, outstanding balance 8,100 8,100   8,500      
Accretable discount related to credit impaired acquired loans [Roll forward]              
Beginning Balance   810          
Accretion recognized, year-to-date   (252)          
Net reclassification to accretable from non-accretable   116          
Ending Balance $ 674 674          
Consumer Mortgage [Member] | Minimum [Member]              
Loans receivable, net [Abstract]              
Typical contract term 10 years            
Consumer Mortgage [Member] | Maximum [Member]              
Loans receivable, net [Abstract]              
Typical contract term 30 years            
Business Lending [Member]              
Loans receivable, net [Abstract]              
Gross loans, including deferred origination costs $ 1,536,546 1,536,546   1,497,271      
Home Equity [Member] | Maximum [Member]              
Loans receivable, net [Abstract]              
Typical contract term 30 years            
Residential Portfolio Segment [Member] | Consumer Mortgage [Member]              
Loans receivable, net [Abstract]              
Gross loans, including deferred origination costs $ 1,779,295 1,779,295   1,769,754      
Allowance for loan losses (9,853) (9,853) (10,148) (10,198) (10,192) (10,233) (10,286)
Commercial Portfolio Segment [Member] | Business Lending [Member]              
Loans receivable, net [Abstract]              
Gross loans, including deferred origination costs 1,536,546 1,536,546   1,497,271      
Allowance for loan losses (16,949) (16,949) (16,695) (15,749) (15,353) (15,405) (15,787)
Consumer Portfolio Segment [Member] | Consumer Indirect [Member]              
Loans receivable, net [Abstract]              
Gross loans, including deferred origination costs 993,132 993,132   935,760      
Allowance for loan losses (13,215) (13,215) (12,334) (12,422) (11,602) (11,246) (11,544)
Consumer Portfolio Segment [Member] | Consumer Direct [Member]              
Loans receivable, net [Abstract]              
Gross loans, including deferred origination costs 195,959 195,959   195,076      
Allowance for loan losses (3,020) (3,020) (2,875) (2,997) (2,991) (2,879) (3,083)
Consumer Portfolio Segment [Member] | Home Equity [Member]              
Loans receivable, net [Abstract]              
Gross loans, including deferred origination costs 399,870 399,870   403,514      
Allowance for loan losses $ (2,500) $ (2,500) $ (2,580) $ (2,666) $ (2,677) $ (2,663) $ (2,701)
XML 56 R44.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS, Credit Quality By Past Due Status (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Aged analysis of the company's loans [Abstract]    
Total loans $ 4,904,802 $ 4,801,375
Legacy Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 18,259 18,805
Total past due 46,699 49,612
Current 4,293,361 4,134,109
Total loans 4,340,060 4,183,721
Legacy Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 26,867 29,006
Legacy Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing 1,573 1,801
Acquired Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 3,891 2,923
Total past due 7,068 6,246
Acquired impaired [1] 7,008 7,299
Current 550,666 604,109
Total loans 564,742 617,654
Acquired Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 2,841 2,929
Acquired Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing 336 394
Consumer Mortgage [Member] | Legacy Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 1,603,559 1,581,458
Consumer Mortgage [Member] | Acquired Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 175,736 188,296
Business Lending [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 1,536,546 1,497,271
Business Lending [Member] | Legacy Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 1,290,576 1,233,628
Business Lending [Member] | Acquired Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 245,970 263,643
Consumer Indirect [Member] | Legacy Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 956,144 890,339
Consumer Indirect [Member] | Acquired Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 36,988 45,421
Consumer Direct [Member] | Legacy Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 183,332 178,051
Consumer Direct [Member] | Acquired Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 12,627 17,025
Home Equity [Member] | Legacy Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 306,449 300,245
Home Equity [Member] | Acquired Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 93,421 103,269
Residential Portfolio Segment [Member] | Consumer Mortgage [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 1,779,295 1,769,754
Residential Portfolio Segment [Member] | Consumer Mortgage [Member] | Legacy Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 11,621 11,394
Total past due 22,496 23,287
Current 1,581,063 1,558,171
Total loans 1,603,559 1,581,458
Residential Portfolio Segment [Member] | Consumer Mortgage [Member] | Legacy Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 9,857 10,482
Residential Portfolio Segment [Member] | Consumer Mortgage [Member] | Legacy Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing 1,018 1,411
Residential Portfolio Segment [Member] | Consumer Mortgage [Member] | Acquired Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 2,223 1,396
Total past due 4,058 3,163
Acquired impaired [1] 0 0
Current 171,678 185,133
Total loans 175,736 188,296
Residential Portfolio Segment [Member] | Consumer Mortgage [Member] | Acquired Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 1,565 1,373
Residential Portfolio Segment [Member] | Consumer Mortgage [Member] | Acquired Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing 270 394
Commercial Portfolio Segment [Member] | Business Lending [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 1,536,546 1,497,271
Commercial Portfolio Segment [Member] | Business Lending [Member] | Legacy Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 4,714 5,381
Total past due 10,716 9,949
Current 1,279,860 1,223,679
Total loans 1,290,576 1,233,628
Commercial Portfolio Segment [Member] | Business Lending [Member] | Legacy Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 5,660 4,442
Commercial Portfolio Segment [Member] | Business Lending [Member] | Legacy Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing 342 126
Commercial Portfolio Segment [Member] | Business Lending [Member] | Acquired Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 1,260 1,186
Total past due 1,600 1,721
Acquired impaired [1] 7,008 7,299
Current 237,362 254,623
Total loans 245,970 263,643
Commercial Portfolio Segment [Member] | Business Lending [Member] | Acquired Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 340 535
Commercial Portfolio Segment [Member] | Business Lending [Member] | Acquired Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing 0 0
Consumer Portfolio Segment [Member] | Consumer Indirect [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 993,132 935,760
Consumer Portfolio Segment [Member] | Consumer Indirect [Member] | Legacy Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 0 0
Total past due 9,498 11,677
Current 946,646 878,662
Total loans 956,144 890,339
Consumer Portfolio Segment [Member] | Consumer Indirect [Member] | Legacy Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 9,356 11,575
Consumer Portfolio Segment [Member] | Consumer Indirect [Member] | Legacy Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing 142 102
Consumer Portfolio Segment [Member] | Consumer Indirect [Member] | Acquired Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 0 0
Total past due 168 245
Acquired impaired [1] 0 0
Current 36,820 45,176
Total loans 36,988 45,421
Consumer Portfolio Segment [Member] | Consumer Indirect [Member] | Acquired Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 168 245
Consumer Portfolio Segment [Member] | Consumer Indirect [Member] | Acquired Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing 0 0
Consumer Portfolio Segment [Member] | Consumer Direct [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 195,959 195,076
Consumer Portfolio Segment [Member] | Consumer Direct [Member] | Legacy Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 0 1
Total past due 1,205 1,466
Current 182,127 176,585
Total loans 183,332 178,051
Consumer Portfolio Segment [Member] | Consumer Direct [Member] | Legacy Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 1,179 1,414
Consumer Portfolio Segment [Member] | Consumer Direct [Member] | Legacy Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing 26 51
Consumer Portfolio Segment [Member] | Consumer Direct [Member] | Acquired Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 0 14
Total past due 84 154
Acquired impaired [1] 0 0
Current 12,543 16,871
Total loans 12,627 17,025
Consumer Portfolio Segment [Member] | Consumer Direct [Member] | Acquired Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 84 140
Consumer Portfolio Segment [Member] | Consumer Direct [Member] | Acquired Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing 0 0
Consumer Portfolio Segment [Member] | Home Equity [Member]    
Aged analysis of the company's loans [Abstract]    
Total loans 399,870 403,514
Consumer Portfolio Segment [Member] | Home Equity [Member] | Legacy Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 1,924 2,029
Total past due 2,784 3,233
Current 303,665 297,012
Total loans 306,449 300,245
Consumer Portfolio Segment [Member] | Home Equity [Member] | Legacy Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 815 1,093
Consumer Portfolio Segment [Member] | Home Equity [Member] | Legacy Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing 45 111
Consumer Portfolio Segment [Member] | Home Equity [Member] | Acquired Loans [Member]    
Aged analysis of the company's loans [Abstract]    
Nonaccrual 408 327
Total past due 1,158 963
Acquired impaired [1] 0 0
Current 92,263 102,306
Total loans 93,421 103,269
Consumer Portfolio Segment [Member] | Home Equity [Member] | Acquired Loans [Member] | Past Due 30 - 89 Days [Member]    
Aged analysis of the company's loans [Abstract]    
Total past due 684 636
Consumer Portfolio Segment [Member] | Home Equity [Member] | Acquired Loans [Member] | 90+ Days Past Due [Member]    
Aged analysis of the company's loans [Abstract]    
90 + days past due and still accruing $ 66 $ 0
[1] Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30. As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
XML 57 R45.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS, Amount of Business Lending Loans by Credit Quality Category (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]    
Loans $ 4,904,802 $ 4,801,375
Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 4,340,060 4,183,721
Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 564,742 617,654
Business Lending [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,536,546 1,497,271
Business Lending [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,290,576 1,233,628
Business Lending [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 245,970 263,643
Business Lending [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,269,367 1,267,738
Business Lending [Member] | Pass [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,082,841 1,048,364
Business Lending [Member] | Pass [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 186,526 219,374
Business Lending [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 166,896 144,775
Business Lending [Member] | Special Mention [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 135,172 124,768
Business Lending [Member] | Special Mention [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 31,724 20,007
Business Lending [Member] | Classified [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 92,995 77,144
Business Lending [Member] | Classified [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 72,283 60,181
Business Lending [Member] | Classified [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 20,712 16,963
Business Lending [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 280 315
Business Lending [Member] | Doubtful [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 280 315
Business Lending [Member] | Doubtful [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Business Lending [Member] | Acquired Impaired [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 7,008 7,299
Business Lending [Member] | Acquired Impaired [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Business Lending [Member] | Acquired Impaired [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 7,008 7,299
All Other Loans [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 3,049,484 2,950,093
All Other Loans [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 318,772 354,011
All Other Loans [Member] | Performing [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 3,034,708 2,934,994
All Other Loans [Member] | Performing [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 315,805 351,880
All Other Loans [Member] | Nonperforming [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 14,776 15,099
All Other Loans [Member] | Nonperforming [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 2,967 2,131
Consumer Mortgage [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,603,559 1,581,458
Consumer Mortgage [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 175,736 188,296
Consumer Mortgage [Member] | Performing [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,590,920 1,568,653
Consumer Mortgage [Member] | Performing [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 173,243 186,506
Consumer Mortgage [Member] | Nonperforming [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 12,639 12,805
Consumer Mortgage [Member] | Nonperforming [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 2,493 1,790
Consumer Indirect [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 956,144 890,339
Consumer Indirect [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 36,988 45,421
Consumer Indirect [Member] | Performing [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 956,002 890,237
Consumer Indirect [Member] | Performing [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 36,988 45,421
Consumer Indirect [Member] | Nonperforming [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 142 102
Consumer Indirect [Member] | Nonperforming [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Consumer Direct [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 183,332 178,051
Consumer Direct [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 12,627 17,025
Consumer Direct [Member] | Performing [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 183,306 177,999
Consumer Direct [Member] | Performing [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 12,627 17,011
Consumer Direct [Member] | Nonperforming [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 26 52
Consumer Direct [Member] | Nonperforming [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 14
Home Equity [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 306,449 300,245
Home Equity [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 93,421 103,269
Home Equity [Member] | Performing [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 304,480 298,105
Home Equity [Member] | Performing [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 92,947 102,942
Home Equity [Member] | Nonperforming [Member] | Legacy Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,969 2,140
Home Equity [Member] | Nonperforming [Member] | Acquired Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans $ 474 $ 327
XML 58 R46.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS, Summary of Impaired Loans, Excluding Purchased Impaired (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Impaired loans [Abstract]    
Loans with allowance allocation $ 1,187 $ 0
Loans without allowance allocation 601 2,376
Unpaid principal balance 1,788 2,376
Contractual balance 3,401 3,419
Allowance for loan loss allocated $ 255 $ 0
XML 59 R47.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS, Troubled Debt Restructuring (TDR) (Details)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
USD ($)
Loan
Jun. 30, 2015
USD ($)
Loan
Jun. 30, 2016
USD ($)
Loan
Jun. 30, 2015
USD ($)
Loan
Dec. 31, 2015
USD ($)
Loan
Financing Receivable, Modifications [Line Items]          
Troubled debt restructurings, nonaccrual number | Loan 67   67   55
Troubled debt restructurings, nonaccrual amount $ 2,453   $ 2,453   $ 1,892
Troubled debt restructurings, accruing number | Loan 154   154   183
Troubled debt restructurings, accruing amount $ 4,073   $ 4,073   $ 4,252
Troubled debt restructurings, total number | Loan 221   221   238
Troubled debt restructurings, total amount $ 6,526   $ 6,526   $ 6,144
Loans modified in TDR during the year, number | Loan 20 9 35 21  
TDR occurring during the year, post-modification recorded investment $ 731 $ 146 $ 1,159 $ 461  
Maximum [Member]          
Financing Receivable, Modifications [Line Items]          
Threshold balance of TDR loans collectively included in general loan loss allocation and qualitative review $ 500   $ 500    
Residential Portfolio Segment [Member] | Consumer Mortgage [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled debt restructurings, nonaccrual number | Loan 43   43   37
Troubled debt restructurings, nonaccrual amount $ 1,979   $ 1,979   $ 1,472
Troubled debt restructurings, accruing number | Loan 44   44   54
Troubled debt restructurings, accruing amount $ 2,227   $ 2,227   $ 2,486
Troubled debt restructurings, total number | Loan 87   87   91
Troubled debt restructurings, total amount $ 4,206   $ 4,206   $ 3,958
Loans modified in TDR during the year, number | Loan 5 2 8 6  
TDR occurring during the year, post-modification recorded investment $ 437 $ 61 $ 652 $ 280  
Commercial Portfolio Segment [Member] | Minimum [Member]          
Financing Receivable, Modifications [Line Items]          
Threshold balance of loan individually evaluated for impairment $ 500   $ 500    
Commercial Portfolio Segment [Member] | Business Lending [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled debt restructurings, nonaccrual number | Loan 10   10   8
Troubled debt restructurings, nonaccrual amount $ 234   $ 234   $ 217
Troubled debt restructurings, accruing number | Loan 5   5   6
Troubled debt restructurings, accruing amount $ 708   $ 708   $ 737
Troubled debt restructurings, total number | Loan 15   15   14
Troubled debt restructurings, total amount $ 942   $ 942   $ 954
Loans modified in TDR during the year, number | Loan 2 0 2 0  
TDR occurring during the year, post-modification recorded investment $ 51 $ 0 $ 51 $ 0  
Consumer Portfolio Segment [Member] | Consumer Indirect [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled debt restructurings, nonaccrual number | Loan 0   0   0
Troubled debt restructurings, nonaccrual amount $ 0   $ 0   $ 0
Troubled debt restructurings, accruing number | Loan 83   83   77
Troubled debt restructurings, accruing amount $ 806   $ 806   $ 691
Troubled debt restructurings, total number | Loan 83   83   77
Troubled debt restructurings, total amount $ 806   $ 806   $ 691
Loans modified in TDR during the year, number | Loan 9 6 20 12  
TDR occurring during the year, post-modification recorded investment $ 118 $ 84 $ 331 $ 163  
Consumer Portfolio Segment [Member] | Consumer Direct [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled debt restructurings, nonaccrual number | Loan 0   0   0
Troubled debt restructurings, nonaccrual amount $ 0   $ 0   $ 0
Troubled debt restructurings, accruing number | Loan 10   10   32
Troubled debt restructurings, accruing amount $ 71   $ 71   $ 37
Troubled debt restructurings, total number | Loan 10   10   32
Troubled debt restructurings, total amount $ 71   $ 71   $ 37
Loans modified in TDR during the year, number | Loan 1 1 1 2  
TDR occurring during the year, post-modification recorded investment $ 52 $ 1 $ 52 $ 4  
Consumer Portfolio Segment [Member] | Home Equity [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled debt restructurings, nonaccrual number | Loan 14   14   10
Troubled debt restructurings, nonaccrual amount $ 240   $ 240   $ 203
Troubled debt restructurings, accruing number | Loan 12   12   14
Troubled debt restructurings, accruing amount $ 261   $ 261   $ 301
Troubled debt restructurings, total number | Loan 26   26   24
Troubled debt restructurings, total amount $ 501   $ 501   $ 504
Loans modified in TDR during the year, number | Loan 3 0 4 1  
TDR occurring during the year, post-modification recorded investment $ 73 $ 0 $ 73 $ 14  
XML 60 R48.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS, Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Allowance for loan losses [Roll Forward]        
Beginning balance $ 45,596 $ 45,005 $ 45,401 $ 45,341
Charge-offs (2,966) (2,288) (5,638) (4,702)
Recoveries 1,591 1,974 3,117 3,429
Provision 2,305 591 3,646 1,214
Ending balance 46,526 45,282 46,526 45,282
Acquired Impaired [Member]        
Allowance for loan losses [Roll Forward]        
Beginning balance 85 196 168 173
Charge-offs (26) (43) (26) (43)
Recoveries 0 0 0 0
Provision 80 (60) (3) (37)
Ending balance 139 93 139 93
Residential Portfolio Segment [Member] | Consumer Mortgage [Member]        
Allowance for loan losses [Roll Forward]        
Beginning balance 10,148 10,233 10,198 10,286
Charge-offs (156) (199) (243) (642)
Recoveries 38 45 83 66
Provision (177) 113 (185) 482
Ending balance 9,853 10,192 9,853 10,192
Commercial Portfolio Segment [Member] | Business Lending [Member]        
Allowance for loan losses [Roll Forward]        
Beginning balance 16,695 15,405 15,749 15,787
Charge-offs (770) (299) (979) (433)
Recoveries 156 527 291 608
Provision 868 (280) 1,888 (609)
Ending balance 16,949 15,353 16,949 15,353
Consumer Portfolio Segment [Member] | Consumer Indirect [Member]        
Allowance for loan losses [Roll Forward]        
Beginning balance 12,334 11,246 12,422 11,544
Charge-offs (1,545) (1,397) (3,401) (2,823)
Recoveries 1,140 1,184 2,255 2,337
Provision 1,286 569 1,939 544
Ending balance 13,215 11,602 13,215 11,602
Consumer Portfolio Segment [Member] | Consumer Direct [Member]        
Allowance for loan losses [Roll Forward]        
Beginning balance 2,875 2,879 2,997 3,083
Charge-offs (389) (294) (852) (639)
Recoveries 238 199 460 392
Provision 296 207 415 155
Ending balance 3,020 2,991 3,020 2,991
Consumer Portfolio Segment [Member] | Home Equity [Member]        
Allowance for loan losses [Roll Forward]        
Beginning balance 2,580 2,663 2,666 2,701
Charge-offs (80) (56) (137) (122)
Recoveries 19 19 28 26
Provision (19) 51 (57) 72
Ending balance 2,500 2,677 2,500 2,677
Unallocated Financing Receivables [Member]        
Allowance for loan losses [Roll Forward]        
Beginning balance 879 2,383 1,201 1,767
Charge-offs 0 0 0 0
Recoveries 0 0 0 0
Provision (29) (9) (351) 607
Ending balance $ 850 $ 2,374 $ 850 $ 2,374
XML 61 R49.htm IDEA: XBRL DOCUMENT v3.5.0.2
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Details) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Finite-Lived Intangible Assets [Line Items]      
Gross carrying amount $ 57,540 $ 57,253  
Accumulated amortization (39,204) (36,359)  
Net carrying amount 18,336 20,894  
Estimated aggregate amortization expense [Abstract]      
Jul - Dec 2016 2,634    
2017 4,412    
2018 3,566    
2019 2,782    
2020 2,119    
Thereafter 2,823    
Net carrying amount 18,336 20,894  
Components of goodwill [Abstract]      
Goodwill 469,966 468,076  
Goodwill, activity 1,890    
Accumulated impairment (4,824) (4,824)  
Accumulated impairment, activity 0    
Goodwill, net 465,142 463,252 $ 375,174
Goodwill, net, activity 1,890    
Core Deposit Intangibles [Member]      
Finite-Lived Intangible Assets [Line Items]      
Gross carrying amount 39,688 39,688  
Accumulated amortization (31,309) (29,899)  
Net carrying amount 8,379 9,789  
Estimated aggregate amortization expense [Abstract]      
Net carrying amount 8,379 9,789  
Other Intangibles [Member]      
Finite-Lived Intangible Assets [Line Items]      
Gross carrying amount 17,852 17,565  
Accumulated amortization (7,895) (6,460)  
Net carrying amount 9,957 11,105  
Estimated aggregate amortization expense [Abstract]      
Net carrying amount $ 9,957 $ 11,105  
XML 62 R50.htm IDEA: XBRL DOCUMENT v3.5.0.2
MANDATORILY REDEEMABLE PREFERRED SECURITIES (Details)
$ in Millions
 6 Months Ended
Jun. 30, 2016
USD ($)
Trust
Debt Instrument [Line Items]  
Number of wholly owned, unconsolidated subsidiary trusts | Trust 2
Percent ownership of unconsolidated subsidiary trusts 100.00%
Community Statutory Trust III [Member]  
Terms of preferred securities for each trust [Abstract]  
Issuance date Jul. 31, 2001
Par amount $ 24.5
Variable interest rate basis 3 month LIBOR
Variable interest rate, basis spread 3.58%
Effective interest rate 4.22%
Maturity date Jul. 31, 2031
Call price Par
Community Capital Trust IV [Member]  
Terms of preferred securities for each trust [Abstract]  
Issuance date Dec. 08, 2006
Par amount $ 75.0
Variable interest rate basis 3 month LIBOR
Variable interest rate, basis spread 1.65%
Effective interest rate 2.30%
Maturity date Dec. 15, 2036
Call price Par
XML 63 R51.htm IDEA: XBRL DOCUMENT v3.5.0.2
BENEFIT PLANS (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Pension Benefits [Member]        
Net periodic benefit cost [Abstract]        
Service cost $ 1,027 $ 831 $ 2,052 $ 1,662
Interest cost 1,406 1,375 2,812 2,749
Expected return on plan assets (2,961) (3,042) (5,921) (6,085)
Amortization of unrecognized net loss 377 366 754 733
Amortization of prior service cost 11 2 22 4
Net periodic benefit cost (140) (468) (281) (937)
Post-retirement Benefits [Member]        
Net periodic benefit cost [Abstract]        
Service cost 0 0 0 0
Interest cost 20 22 41 43
Expected return on plan assets 0 0 0 0
Amortization of unrecognized net loss (1) (3) (3) (6)
Amortization of prior service cost (45) (45) (89) (89)
Net periodic benefit cost $ (26) $ (26) $ (51) $ (52)
XML 64 R52.htm IDEA: XBRL DOCUMENT v3.5.0.2
EARNINGS PER SHARE (Details) - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
EARNINGS PER SHARE [Abstract]          
Weighted-average anti-dilutive stock options outstanding (in shares) 800,000 600,000 700,000 400,000  
Basic earnings per share [Abstract]          
Net income $ 25,857 $ 23,840 $ 50,260 $ 46,137  
Income attributable to unvested stock-based compensation awards (151) (99) (242) (177)  
Income available to common shareholders $ 25,706 $ 23,741 $ 50,018 $ 45,960  
Weighted-average common shares outstanding - basic (in shares) 44,021,000 40,690,000 43,942,000 40,674,000  
Basic earnings per share (in dollars per share) $ 0.58 $ 0.58 $ 1.14 $ 1.13  
Diluted earnings per share [Abstract]          
Net income $ 25,857 $ 23,840 $ 50,260 $ 46,137  
Income attributable to unvested stock-based compensation awards (151) (99) (242) (177)  
Income available to common shareholders $ 25,706 $ 23,741 $ 50,018 $ 45,960  
Weighted-average common shares outstanding - basic (in shares) 44,021,000 40,690,000 43,942,000 40,674,000  
Assumed exercise of stock options (in shares) 357,000 404,000 347,000 405,000  
Weighted-average common shares outstanding - diluted (in shares) 44,378,000 41,094,000 44,289,000 41,079,000  
Diluted earnings per share (in dollars per share) $ 0.58 $ 0.58 $ 1.13 $ 1.12  
Stock Repurchase Program [Abstract]          
Number of common shares authorized to be repurchased (in shares)         2,200,000
Number of common shares repurchased (in shares)     0    
XML 65 R53.htm IDEA: XBRL DOCUMENT v3.5.0.2
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contract amount of commitments and contingencies $ 745,274 $ 830,495
Minimum [Member]    
Off-balance Sheet Risks, Disclosure Information [Line Items]    
Range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability 0  
Maximum [Member]    
Off-balance Sheet Risks, Disclosure Information [Line Items]    
Range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability 1,000  
Commitments to Extend Credit [Member]    
Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contract amount of commitments and contingencies 725,561 811,442
Standby Letters of Credit [Member]    
Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contract amount of commitments and contingencies $ 19,713 $ 19,053
XML 66 R54.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE, Financial Assets and Liabilities Accounted for at Fair Value On a Recurring Basis (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities $ 2,889,863 $ 2,808,113
Recurring [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 2,889,863 2,808,113
Mortgage loans held for sale 514 932
Commitments to originate real estate loans for sale 361 117
Forward sales commitments (78) (37)
Total 2,890,660 2,809,125
Recurring [Member] | U.S. Treasury and Agency Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 1,992,657 1,899,978
Recurring [Member] | Obligations of State and Political Subdivisions [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 645,488 666,883
Recurring [Member] | Government Agency Mortgage-Backed Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 223,139 210,865
Recurring [Member] | Corporate Debt Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 16,660 16,680
Recurring [Member] | Government Agency Collateralized Mortgage Obligations [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 11,502 13,308
Recurring [Member] | Marketable Equity Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 417 399
Recurring [Member] | Level 1 [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 1,993,074 1,900,377
Mortgage loans held for sale 0 0
Commitments to originate real estate loans for sale 0 0
Forward sales commitments 0 0
Total 1,993,074 1,900,377
Recurring [Member] | Level 1 [Member] | U.S. Treasury and Agency Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 1,992,657 1,899,978
Recurring [Member] | Level 1 [Member] | Obligations of State and Political Subdivisions [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Recurring [Member] | Level 1 [Member] | Government Agency Mortgage-Backed Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Recurring [Member] | Level 1 [Member] | Corporate Debt Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Recurring [Member] | Level 1 [Member] | Government Agency Collateralized Mortgage Obligations [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Recurring [Member] | Level 1 [Member] | Marketable Equity Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 417 399
Recurring [Member] | Level 2 [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 896,789 907,736
Mortgage loans held for sale 514 932
Commitments to originate real estate loans for sale 0 0
Forward sales commitments (78) (37)
Total 897,225 908,631
Mortgage loans held for sale, at principal value 500  
Recurring [Member] | Level 2 [Member] | U.S. Treasury and Agency Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Recurring [Member] | Level 2 [Member] | Obligations of State and Political Subdivisions [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 645,488 666,883
Recurring [Member] | Level 2 [Member] | Government Agency Mortgage-Backed Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 223,139 210,865
Recurring [Member] | Level 2 [Member] | Corporate Debt Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 16,660 16,680
Recurring [Member] | Level 2 [Member] | Government Agency Collateralized Mortgage Obligations [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 11,502 13,308
Recurring [Member] | Level 2 [Member] | Marketable Equity Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Recurring [Member] | Level 3 [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Mortgage loans held for sale 0 0
Commitments to originate real estate loans for sale 361 117
Forward sales commitments 0 0
Total 361 117
Recurring [Member] | Level 3 [Member] | U.S. Treasury and Agency Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Recurring [Member] | Level 3 [Member] | Obligations of State and Political Subdivisions [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Recurring [Member] | Level 3 [Member] | Government Agency Mortgage-Backed Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Recurring [Member] | Level 3 [Member] | Corporate Debt Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Recurring [Member] | Level 3 [Member] | Government Agency Collateralized Mortgage Obligations [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities 0 0
Recurring [Member] | Level 3 [Member] | Marketable Equity Securities [Member]    
Available-for-sale investment securities [Abstract]    
Available-for-sale investment securities $ 0 $ 0
XML 67 R55.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE, Unobservable Input Reconciliation (Details) - Commitments to Originate Real Estate Loans for Sale [Member] - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Level 3 Assets Measured at Fair Value on a Recurring Basis [Abstract]        
Beginning balance $ 282 $ 152 $ 117 $ 185
Total losses included in earnings [1] (282) (152) (399) (337)
Commitments to originate real estate loans held for sale, net 361 195 643 347
Ending balance $ 361 $ 195 $ 361 $ 195
[1] Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income.
XML 68 R56.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE, Assets and Liabilities Measured on Nonrecurring Basis (Details) - USD ($)
$ in Thousands
 6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Fair Value Inputs [Abstract]    
Valuation allowance $ 255 $ 0
Other Real Estate Owned [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total $ 1,726 $ 2,088
Other Real Estate Owned [Member] | Market Approach Valuation Technique [Member] | Minimum [Member]    
Fair Value Inputs [Abstract]    
Discount rate 6.30% 5.30%
Other Real Estate Owned [Member] | Market Approach Valuation Technique [Member] | Maximum [Member]    
Fair Value Inputs [Abstract]    
Discount rate 93.80% 74.00%
Mortgage Servicing Rights [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total $ 638  
Fair Value Inputs [Abstract]    
Valuation allowance $ 100  
Level 3 [Member] | Other Real Estate Owned [Member] | Market Approach Valuation Technique [Member] | Minimum [Member]    
Fair Value Inputs [Abstract]    
Discount rate 6.00%  
Level 3 [Member] | Other Real Estate Owned [Member] | Market Approach Valuation Technique [Member] | Maximum [Member]    
Fair Value Inputs [Abstract]    
Discount rate 94.00%  
Non-recurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans $ 932 $ 1,765
Mortgage servicing rights 638 0
Other real estate owned 1,726 2,088
Total 3,296 3,853
Non-recurring [Member] | Level 1 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans 0 0
Mortgage servicing rights 0 0
Other real estate owned 0 0
Total 0 0
Non-recurring [Member] | Level 2 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans 0 0
Mortgage servicing rights 0 0
Other real estate owned 0 0
Total 0 0
Non-recurring [Member] | Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans 932 1,765
Mortgage servicing rights 638 0
Other real estate owned 1,726 2,088
Total $ 3,296 $ 3,853
XML 69 R57.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE, Significant Unobservable Inputs (Details) - USD ($)
$ in Thousands
 6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Other Real Estate Owned [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair value $ 1,726 $ 2,088
Other Real Estate Owned [Member] | Fair Value of Collateral [Member] | Minimum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Estimated cost of disposal/market adjustment 6.30% 5.30%
Other Real Estate Owned [Member] | Fair Value of Collateral [Member] | Maximum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Estimated cost of disposal/market adjustment 93.80% 74.00%
Other Real Estate Owned [Member] | Fair Value of Collateral [Member] | Weighted Average [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Estimated cost of disposal/market adjustment 31.50% 27.70%
Impaired Loans [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair value $ 932 $ 1,765
Impaired Loans [Member] | Fair Value of Collateral [Member] | Minimum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Estimated cost of disposal/market adjustment 9.00% 9.00%
Impaired Loans [Member] | Fair Value of Collateral [Member] | Maximum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Estimated cost of disposal/market adjustment 16.90% 20.00%
Impaired Loans [Member] | Fair Value of Collateral [Member] | Weighted Average [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Estimated cost of disposal/market adjustment 12.80% 17.90%
Commitments To Originate Real Estate Loans For Sale [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair value $ 361 $ 117
Commitments To Originate Real Estate Loans For Sale [Member] | Discounted Cash Flow [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Embedded servicing value 1.00% 1.00%
Mortgage Servicing Rights [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair value $ 638  
Mortgage Servicing Rights [Member] | Discounted Cash Flow [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Weighted average constant prepayment rate 11.80%  
Weighted average discount rate 2.24%  
Adequate compensation $ 7  
XML 70 R58.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE, Carrying Amounts and Estimated Fair Values of Other Financial Instruments (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Carrying Value [Member]    
Financial assets [Abstract]    
Net loans $ 4,858,276 $ 4,755,974
Financial liabilities [Abstract]    
Deposits 6,957,854 6,873,474
Borrowings 267,600 301,300
Subordinated debt held by unconsolidated subsidiary trusts 102,158 102,146
Fair Value [Member]    
Financial assets [Abstract]    
Net loans 4,928,960 4,808,856
Financial liabilities [Abstract]    
Deposits 6,956,075 6,871,098
Borrowings 267,600 301,300
Subordinated debt held by unconsolidated subsidiary trusts $ 80,108 $ 84,680
XML 71 R59.htm IDEA: XBRL DOCUMENT v3.5.0.2
SEGMENT INFORMATION (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Information about reportable segments          
Net interest income $ 68,306 $ 61,228 $ 135,187 $ 121,068  
Provision for loan losses 2,305 591 3,646 1,214  
Noninterest revenues 38,772 29,719 77,053 58,765  
Amortization of intangible assets 1,403 880 2,845 1,799  
Other operating expenses 64,953 55,168 131,180 110,197  
Income before income taxes 38,417 34,308 74,569 66,623  
Assets 8,742,111 7,908,771 8,742,111 7,908,771 $ 8,552,669
Goodwill 465,142 375,174 465,142 375,174 $ 463,252
Eliminations [Member]          
Information about reportable segments          
Net interest income 0 0 0 0  
Provision for loan losses 0 0 0 0  
Noninterest revenues (595) (472) (1,161) (936)  
Amortization of intangible assets 0 0 0 0  
Other operating expenses (595) (472) (1,161) (936)  
Income before income taxes 0 0 0 0  
Assets (36,977) (24,783) (36,977) (24,783)  
Goodwill 0 0 0 0  
Banking [Member] | Operating Segments [Member]          
Information about reportable segments          
Net interest income 68,220 61,165 135,019 120,948  
Provision for loan losses 2,305 591 3,646 1,214  
Noninterest revenues 16,594 14,009 31,907 27,534  
Amortization of intangible assets 691 709 1,410 1,448  
Other operating expenses 47,615 43,393 96,145 87,212  
Income before income taxes 34,203 30,481 65,725 58,608  
Assets 8,675,329 7,882,898 8,675,329 7,882,898  
Goodwill 440,870 364,495 440,870 364,495  
Employee Benefit Services [Member] | Operating Segments [Member]          
Information about reportable segments          
Net interest income 38 35 77 65  
Provision for loan losses 0 0 0 0  
Noninterest revenues 12,067 11,606 24,457 22,959  
Amortization of intangible assets 114 133 230 266  
Other operating expenses 9,432 8,957 18,879 17,408  
Income before income taxes 2,559 2,551 5,425 5,350  
Assets 34,814 33,609 34,814 33,609  
Goodwill 8,018 8,019 8,018 8,019  
All Other [Member]          
Information about reportable segments          
Net interest income 48 28 91 55  
Provision for loan losses 0 0 0 0  
Noninterest revenues 10,706 4,576 21,850 9,208  
Amortization of intangible assets 598 38 1,205 85  
Other operating expenses 8,501 3,290 17,317 6,513  
Income before income taxes 1,655 1,276 3,419 2,665  
Assets 68,945 17,047 68,945 17,047  
Goodwill $ 16,254 $ 2,660 $ 16,254 $ 2,660  
EXCEL 72 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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

[>D<](82M9\!%3\D))K[://B:RK.P%IR":/%_33T!\3OT@(/>N&V04P@ M)K8#=GGB5&MQ4< ME09#<^35*U&E&@F"_%J0M^N:'W.H5E5]A'@+(-XN.VYJIBGMB#V"'$'>2.59 M37?PTDH$>:=!CJX* KS3 #>&AC88HAU'F'<N>\40?=U"7[NL MGZ&9\NJV( (1@7L0.- 1@8C YA XU'1=K<@#(K!?"#2MH68-6GBW+&*P.QBT M'6VL6$Y$V0)]W<_U\T//CYE[(F.W\Q'I!G52:KAXH)9?@CLBS<>F<-L9T=J! M/*]<*3FB'M07=FNE'D@[SZZ4&%$-<#K8*D0E[Q"14G)$/4 ]V#[0:<@KR*:4 M)%$34!,:"9LJ)474 M2"32T8FYHYD!:^54J4J JH"ENJ8&FV:711%>0%FFT@ MWXNR2< 4S(L\X[+CRN59AB$R3<8F7>5W-&K6Q-IJ3I9DAAK;6Z8VLILV2]?! MI2E@JTI7MQ3N@HBYV@IGR:L!B^J&ZM;W^%0X5 M#A5.8@U+5#A4N+XKG./HVJ#QS"=4.52Y_JC40N.K M3QLCW6"N&S :"UH??B:>GRP""DR=!)'[QPX'!W7G2P$LOEF-:0DQ7?_+!F&;FV,'>%:\:.W!9AHMMIGE MPMA9O*5_RS^3;,'_?&;\*.15?#RN/3MAU^&%)%2.ACW27_7'&[VN0]'4O?MG MYL?,(_Y\0<4?043#A'QC,0.KDMT);7 #FB3^U(?': (_APL63Z-X#A"" M+Q*6)OS[]($5K5!HQ(W"Q <,PCMI1":,;+P#!H/%Y/[S2V(9^JVEWVVHVSV\ M3F*69$%*?,YKEO _W&C.-.@"K,WL071%73=FJ1^%))J*+SQ_.H7'0Y=!=^DW MQD+QM4OC^%%0.@=+E2Z?+B@-/?&)?5\P-P5:79H\3(/H&R#;3Z =_F+,W&@6 M I\] KW1(("^][+O[@C>RMJ\HR:AF"@.V81MN]M,^]7M/U]!Z1<0[30*0)Y< MCCZ7-Z$S#N.0!H\)?%&@X64$@@P??TC(@@+>O&P)D,ECCGX.<'CV%7/9? +@ MM0R-F+KA/+^4Q2>M^H&)JK '^3RE.O^/6*Q21(G'OA5=3J+ RYM_QV;4?23O MA*2V3-8S]MT-,@]:*_1\J;!T"B:%_$;#C,:/1 A1'_^HJA!W.V^%#S \Z *< MR(\YXL/7MU0ZV3)XML J:-H\Z%\?;;IZM2Q\D,-KAX_(J M(ZZQ_A_D%7U,")<;RJR\S(XTC0Q#AB'#D&$[2[ ^NR6'V-; S&?I1:1M9!K& MSV0TQMFO%1X+^)8\=(+2ZH9A5)IA#<#[C(,-*"L$=T<95KV;=/IP5D,GF)X! M%3\D))K[:N M&V=^.$-H(#16T'@?A7S#-Y/GER$L6@ +V3L="(H6@.)E%L?P#&(",;&]I,\S M!5J+BSH69JI5+U[=M36/XG1&9RZ4EQU6\_JX: <@_J*Y>.1I#U^R1M'QJ M5>HN(=P*:EF2.U M[F%!E"/**W=8'&>D&4-T6A#H77?-G1&XY_+JQ==4\71)P6J,P\7W-0R5W)2LU!_64"\/KM0]>;:+:\L_>JU++H. (KF"UD0M P MI=5;00"B"7Q:@$2S1FKYY(C :\EHUSVT8VUL-W1/2&3I*J21&K168 M&>0F-:D5I4( ]LL&2KOT$]$G9>PMVSHV8&V&"1((P>8@.!J.M,$ )^%N8;!E M7N!HK&N6I5:0JLZ+5%N50+"*#DB/#70J9->NS3.>A:]6?C(&C168%*3NW^+F M;;?PUS(+B.CK%/K:MG%KR[NN"A&("'R*P.% HD%OT9S1MB?F9\^UA8VN)HKS52Q465+KARA:H0+#4T?6[)L@E*21$VH M2H"ZWD7]<6"I:N:Z8M+9PK4YCR8FTVD.]%V21@"N;IG''I3^7R M+,,0F49CDZ[R0=V:5;&V.HJ6QEWB"JBM MJ'&H<16&?M36.'NL#1H/_:#&H<;U1^,T MPX+_Z4WOPJ'2H=+U9RD'&C>RM*'9S>7<1F3WIY1"XZM/&R/=8*\;,!H+6A]^ M)IZ?+ (*;)T$D?O'#@\'=R.'\U_0ZH<>"^%+?QL6WYIUY8GR_+W3TMWM_'!' K>DT#F'OU.5E0=_GY4@&) M;U9R*O1Z".9O3=?Y6R7&D05Y?=/3R9;=*^^NKUY?E;ON5>+%G5T4UUC_#\(O M>2=<;BBS\C([TC0R#!F&#$.&(<,N8-AE*2^=\^,.L:T!5\'223[&D6D8/Y-1 M<\6,6BG)QN0&SCBAH8?2ZH9A5)IA#<#[C*1 E)4BLEJ&S5!<:(MZR;#JO=K3 M>>@-)6L_ RI^2$@T]].4>4_"W-+.5-3IG#?&^]-.'WU,9%G9"TY"-'G(II^ M^)SZ04#N73?.3EZ1BM#H%33>1R'EN)#G1B,L6@ +V3MY"(H6@.+M?$&7*[@D M6PA'S\B=N^(CP@7ALJZLGL4Q/(.80$QL!^SRQ*G6XJ*.=;QJI0U7MR+,HSB= MT=D)1Z#2BJ0J7E52C0#DY]JK5ZG!T*RAM (^JI0D09!?"_*67?ECC=6Z7@0Q MW@*,M\Z0C]6JX8\@1Y!77F[0&*"W@B#O-,CQEF $>*,.1;>,=8M M_+7LCC&UG'N$7[_,GZ$9([7\$41@WQ HL7P0(A 1^ 2!0UB3-7=>%A&("#0= M6QN8:L6_$(,]6XB8 TL;V"T$8:_R_?S0\V/FGLC:[7Q0NL&)0>H=8O*N3,)- M$3EC;]>.A5K1*81?O\P?H@_1AY,OXJ^?^$/KA^AK#GVVHQE#M;:&$((]6WT M!FW%-HF!)VR912HZH!S7.?6U4!&GK [7$B&J MT\%F22ISB'J >M![/1C+*\RFE!Q1#U /T"M"+4 MV(J8ZP:,QH+6AY^)YR>+@ )3)T'D_K'#P<'= MR.'<%[3ZH<="^%)?\G2'H"YUQO' .4D*!' !W112_>5&OR$N"X(%]?BU/ZO/ MR8*ZR\^7XEA\LX+S2AU!']>$;>Z2;4/2V@/)-%IL@\V%L;)X2^V6?R;9@O_Y MS/A1,+GX>%QIGHYT=/% Q\._/*'KWOTS\V/F$7^^H.*/(*)A0KZQF('&IL0- M:)+X4Q]^H0E\$RY8/(WB.8@"ODA8FO#OTP=6O$CA/3<*$Q]D">^D$9DPLO$. MZ!^+R?WGE\0R]%M+OUM#C]S#ZR1F21:DQ.=L9 G_PXWF3(,N0'EG#Z(KZKHQ M2_TH)-%4?.'YTRD\'KH,NDN_,1:*KUT:QX^"TCDH?KI\NJ T],0G]GW!W!1H M=6GR, VB;\ X/X%V^(LQ+Y1YJDKS+VQ@]IR*'_B;G,_\K?3[[P?[\ [%YP[?OKO_X+(?_Y;[>W'^GC M'/"7 #YB\NQC'+F,>? ICN8_DG>K4;]C-&')[6W^WKJ[_.4W4;Q\\PV\*%Z[ M#[W\)2Y;#O=/; H&P=0-1S=T(XW$7P,+=#,+_?S7O^FZ>4,\YOIS&B2_W-Q: M-W^U#&-H@:W>'.09O38YP,%J@(,S!FCHH_&HDA&"YA3*2>Z_4C_@$K^%8=\F M%"SG9^9FL9_ZAT?Y)2I>7[T-!'R&=]>O7BE,VQX-[>'>L9[1N1HC+B===L=M]K_%4=)'=I*\N1#R'R/DL(B MTH"\C.)%=8QQ#+-@C/CK(&-R,E94<"+.X\[ ' RJX\_;,*7AS.>.U+V8B4\R M8/U&_L*5ZG!L(+M=R1Y).5-FB!5$5]I[TJLYPRR&TA#VJ>,R5F:HS$%"SV3*3QD6\L?'"E?*Q!V"YCUJ) MW0YECZ>L/V55.B!8."]8G#YJY&- PU03J_S7\-N"/WIR=,O7Q>4P MG9%QPF\\V+,:PRWI33F#\;7#_<12>$X0\X*%;.KO 2<+$S[AAI[ R,

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end