<HTML> <HEAD> <TITLE> HUNTINGTON BANCSHARES INC/MD </TITLE> </HEAD> <BODY> <EFX_FORM> <P STYLE="LINE-HEIGHT:1.0PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT;BORDER-BOTTOM:1PX SOLID #000000">&nbsp; </P> <P STYLE="LINE-HEIGHT:3.0PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:2PT;BORDER-BOTTOM:1PX SOLID #000000">&nbsp; </P> <P STYLE="MARGIN-TOP:4PT; MARGIN-BOTTOM:0PT; FONT-SIZE:18PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> UNITED STATES </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:18PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> SECURITIES AND EXCHANGE COMMISSION </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:12PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Washington, D.C. 20549 </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <CENTER> <P STYLE="LINE-HEIGHT:6.0PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:2PT;BORDER-BOTTOM:1.00PT SOLID #000000;WIDTH:21%">&nbsp; </P> </CENTER> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:18PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> FORM 8-K </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <CENTER> <P STYLE="LINE-HEIGHT:6.0PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:2PT;BORDER-BOTTOM:1.00PT SOLID #000000;WIDTH:21%">&nbsp; </P> </CENTER> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:12PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> CURRENT REPORT </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:12PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Pursuant to Section&nbsp;13 OR 15(d) </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:12PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> of The Securities Exchange Act of 1934 </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:12PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Date of Report (Date of earliest event reported) <U> April&nbsp;22, 2015 </U> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <CENTER> <P STYLE="LINE-HEIGHT:6.0PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:2PT;BORDER-BOTTOM:1.00PT SOLID #000000;WIDTH:21%">&nbsp; </P> </CENTER> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE"></A> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:24PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> HUNTINGTON BANCSHARES INCORPORATED </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> (Exact name of registrant as specified in its charter) </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <CENTER> <P STYLE="LINE-HEIGHT:6.0PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:2PT;BORDER-BOTTOM:1.00PT SOLID #000000;WIDTH:21%">&nbsp; </P> </CENTER> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT" ALIGN="CENTER"> <TR> <TD WIDTH="34%"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD WIDTH="32%"> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD WIDTH="32%"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP" ALIGN="CENTER"> <B> Maryland </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="TOP" ALIGN="CENTER"> <B> 1-34073 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="TOP" ALIGN="CENTER"> <B> 31-0724920 </B> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="TOP" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> (State or other jurisdiction </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> of incorporation) </B> </P> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="TOP" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> (Commission </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> File Number) </B> </P> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="TOP" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> (IRS Employer </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Identification No.) </B> </P> </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="50%"> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD WIDTH="48%"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Huntington Center </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> 41 South High Street </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Columbus, Ohio </B> </P> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="CENTER"> <B> 43287 </B> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="TOP" ALIGN="CENTER"> <B> (Address of principal executive offices) </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="TOP" ALIGN="CENTER"> <B> (Zip Code) </B> </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Registrant&#146;s telephone number, including area code <U> (614)&nbsp;480-8300 </U> </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Not Applicable </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> (Former name or former address, if changed since last report.) </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <CENTER> <P STYLE="LINE-HEIGHT:6.0PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:2PT;BORDER-BOTTOM:1.00PT SOLID #000000;WIDTH:21%">&nbsp; </P> </CENTER> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <FONT STYLE="FONT-FAMILY:WINGDINGS"> &#168; </FONT> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <FONT STYLE="FONT-FAMILY:WINGDINGS"> &#168; </FONT> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <FONT STYLE="FONT-FAMILY:WINGDINGS"> &#168; </FONT> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <FONT STYLE="FONT-FAMILY:WINGDINGS"> &#168; </FONT> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:10PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <P STYLE="LINE-HEIGHT:1.0PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT;BORDER-BOTTOM:1PX SOLID #000000">&nbsp; </P> <P STYLE="LINE-HEIGHT:3.0PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:2PT;BORDER-BOTTOM:1PX SOLID #000000">&nbsp; </P> <A NAME="eolPage2"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <EFX_SECTION_2_FINANCIAL_INFORMATION> <A NAME="FIS_SECTION_2_FINANCIAL_INFORMATION"></A> <EFX_RESULTS_OF_OPERATIONS> <A NAME="FIS_RESULTS_OF_OPERATIONS"></A> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="10%" VALIGN="TOP" ALIGN="LEFT"> <B> Item&nbsp;2.02. </B> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <B> Results of Operations and Financial Condition. </B> </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:8%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> On April&nbsp;22, 2015, Huntington Bancshares Incorporated (&#147;Huntington&#148;) issued a news release announcing its earnings for the quarter ended March&nbsp;31, 2015. Also on April&nbsp;22, 2015, Huntington made a Quarterly Financial Supplement available on the Investor Relations section of its web site, <U> www.huntington.com </U> . </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:8%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington&#146;s senior management will host an earnings conference call on April&nbsp;22, 2015, at 10:00 a.m. (Eastern Time).&nbsp;The call may be accessed via a live Internet webcast at the Investor Relations section of Huntington&#146;s web site, <U> www.huntington.com </U> or through a dial-in telephone number at (844)&nbsp;318-8148; Conference ID 11113289.&nbsp;Slides will be available in the Investor Relations section of Huntington&#146;s web site, <U> www.huntington.com </U> about an hour prior to the call.&nbsp;A replay of the webcast will be archived in the Investor Relations section of Huntington&#146;s web site, <U> www.huntington.com </U> .&nbsp;A telephone replay will be available approximately two hours after the completion of the call through April&nbsp;30, 2015 at (855)&nbsp;859-2056 or (404)&nbsp;537-3406; conference ID 11113289. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:8%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The information contained or incorporated by reference in this Current Report on Form&nbsp;8-K contains certain forward-looking statements, including certain plans, expectations, goals, projections, and statements, which are subject to numerous assumptions, risks, and uncertainties. Forward-looking statements may be identified by words such as expect, anticipate, believe, intend, estimate, plan, target, goal, or similar expressions, or future or conditional verbs such as will, may, might, should, would, could, or similar variations. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements: (1)&nbsp;worsening of credit quality performance due to a number of factors such as the underlying value of collateral that could prove less valuable than otherwise assumed and assumed cash flows may be worse than expected; (2)&nbsp;changes in general economic, political, or industry conditions; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Federal Reserve Board; volatility and disruptions in global capital and credit markets; (3)&nbsp;movements in interest rates; (4)&nbsp;competitive pressures on product pricing and services; (5)&nbsp;success, impact, and timing of our business strategies, including market acceptance of any new products or services implementing our &#147;Fair Play&#148; banking philosophy; (6)&nbsp;changes in accounting policies and principles and the accuracy of our assumptions and estimates used to prepare our financial statements; (7)&nbsp;extended disruption of vital infrastructure; (8)&nbsp;the final outcome of significant litigation; (9)&nbsp;the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the OCC, Federal Reserve, FDIC, and CFPB; and (10)&nbsp;the outcome of judicial and regulatory decisions regarding practices in the residential mortgage industry, including among other things the processes followed for foreclosing residential mortgages. Additional factors that could cause results to differ materially from those described above can be found in Huntington&#146;s 2014 Annual Report on Form 10-K, and documents subsequently filed by Huntington with the Securities and Exchange Commission. All forward-looking statements included in this document are based on information available at the time of the release. Huntington assumes no obligation to update any forward-looking statement. </P> <A NAME="eolPage3"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:8%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The information contained or incorporated by reference in Item&nbsp;2.02 of this Form 8-K shall be treated as &#147;furnished&#148; for purposes of Section&nbsp;18 of the Securities Exchange Act of 1934, as amended. </P> </EFX_RESULTS_OF_OPERATIONS> </EFX_SECTION_2_FINANCIAL_INFORMATION> <P STYLE="FONT-SIZE:18PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <EFX_SECTION_9_FINANCIAL_STATEMENTS_AND_EXHIBITS> <A NAME="FIS_SECTION_9_FINANCIAL_STATEMENTS_AND_EXHIBITS"></A> <EFX_FINANCIAL_STATEMENTS_AND_EXHIBITS> <A NAME="FIS_FINANCIAL_STATEMENTS_AND_EXHIBITS"></A> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="10%" VALIGN="TOP" ALIGN="LEFT"> <B> Item&nbsp;9.01. </B> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <B> Financial Statements and Exhibits. </B> </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:8%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The exhibits referenced below shall be treated as &#147;furnished&#148; for purposes of Section&nbsp;18 of the Securities Exchange Act of 1934, as amended. </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> (d) </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Exhibits. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="98%"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP" NOWRAP> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Exhibit&nbsp;99.1 &#150; News release of Huntington Bancshares Incorporated, dated April&nbsp;22, 2015. </P> </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP" NOWRAP> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Exhibit 99.2 &#150; Quarterly Financial Supplement, March 2015. </P> </TD> </TR> </TABLE> <A NAME="eolPage4"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> </EFX_FINANCIAL_STATEMENTS_AND_EXHIBITS> </EFX_SECTION_9_FINANCIAL_STATEMENTS_AND_EXHIBITS> <EFX_SIGNATURES> <A NAME="FIS_SIGNATURES"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> SIGNATURES </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TR> <TD WIDTH="46%"> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD WIDTH="4%"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD WIDTH="2%"> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD WIDTH="45%"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP" COLSPAN="3"> HUNTINGTON BANCSHARES INCORPORATED </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="16"> </TD> <TD HEIGHT="16" COLSPAN="2"> </TD> <TD HEIGHT="16" COLSPAN="2"> </TD> <TD HEIGHT="16" COLSPAN="2"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> Date: April 22, 2015 </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> By: </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; BORDER-BOTTOM:1PX SOLID #000000; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> /s/ Howell D. McCullough III </P> </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> Howell D. McCullough III </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> Senior Executive Vice President </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> and Chief Financial Officer </TD> </TR> </TABLE> <A NAME="eolPage5"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> </EFX_SIGNATURES> <EFX_EXHIBIT_INDEX> <A NAME="FIS_EXHIBIT_INDEX"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> EXHIBIT INDEX </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_2"></A> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD WIDTH="88%"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" ALIGN="CENTER"> <B> Exhibit No. </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> Description </B> </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP" NOWRAP> Exhibit&nbsp;99.1 </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="TOP"> News release of Huntington Bancshares Incorporated, April 22, 2015. </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP" NOWRAP> Exhibit 99.2 </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="TOP"> Quarterly Financial Supplement, March 2015. </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> </EFX_EXHIBIT_INDEX> </EFX_FORM> <DIV CLASS="eolNewPage"></DIV> <A NAME="eolPage6"></A> <A NAME="D913513DEX991_HTM"></A> <EFX_EXHIBIT_99> <A NAME="FIS_EXHIBIT_99"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="RIGHT"> <B> Exhibit 99.1 </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT" ALIGN="CENTER"> <IMG SRC="http://content.edgar-online.com/edgar_conv_img/2015/04/22/0001193125-15-141013_G913513EX99_1PG001.JPG" ALT="LOGO"> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> FOR IMMEDIATE RELEASE </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> April&nbsp;22, 2015 </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Analysts: </B> Mark Muth (mark.muth@huntington.com), 614.480.4720 </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Media: </B> Maureen Brown (maureen.brown@huntington.com), 614.480.5512 </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> HUNTINGTON BANCSHARES INCORPORATED REPORTS </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> 11% YEAR-OVER-YEAR INCREASE IN NET INCOME AND </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> 12% YEAR-OVER-YEAR INCREASE IN EARNINGS PER COMMON SHARE </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> COLUMBUS, Ohio &#150; Huntington Bancshares Incorporated (NASDAQ: HBAN; www.huntington.com) reported net income for the 2015 first quarter of $166 million, or a $17 million increase from the year-ago quarter. Earnings per common share for the 2015 first quarter were $0.19, an increase of $0.02 from the year-ago quarter. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#147;This year will be built on a strong foundation of focused execution of our strategies,&#148; said Steve Steinour, chairman, president and CEO. &#147;Our solid first quarter performance puts us on a path for success in 2015. Ongoing improvement in our expense control environment, continuing good core deposit growth, and strong mortgage and capital markets results were highlights for the quarter. We are committed to achieving another full year of positive operating leverage with appropriately risk-balanced growth.&#148; </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#147;We completed the first quarter with the successful close of our acquisition of Macquarie Equipment Finance, Inc., and look forward to transitioning to the Huntington Technology Finance brand to align our enhanced capabilities with our combined customer base and prospects. The acquisition gives us the ability to drive added growth to our national equipment finance business as well as additional health care and small business finance capabilities,&#148; Steinour said. &#147;Also in the quarter, we continued to expand within our core footprint via the launch of our previously announced 2015 in-store build out, enhancing our full-service branch network in a cost-efficient manner. Furthermore, we were pleased for Huntington to receive annual recognition again within the quarter as one of the best commercial and business banks in the country by Greenwich Associates. And, we received this month for the third time the TNS Choice Award for Consumer Retail Banking in the Central Region of the U.S., recognizing Huntington&#146;s top survey performance ratings among major banks within 20 states.&#148; </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington today also announced two capital actions approved by the Board of Directors. First, the Board declared a quarterly cash dividend on the company&#146;s common stock of $0.06 per common share. The dividend is payable July&nbsp;1, 2015, to shareholders of record on June&nbsp;17, 2015. Second, the Board authorized the repurchase of up to $366 million of common shares over the five quarters through the 2016 second quarter. Both actions were proposed in the January 2015 CCAR capital plan, which received no objections from the Federal Reserve. Purchases of common stock may include open market purchases, privately negotiated transactions, and accelerated repurchase programs. During the 2015 first quarter, the company repurchased 4.9&nbsp;million common shares at an average price of $10.45 per share. </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 1 </P> <A NAME="eolPage7"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Specific 2015 First Quarter highlights compared with 2014 First Quarter: </B> </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> 1.02% return on average assets; 12.2% return on average tangible common equity </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $15 million, or 2%, increase in fully-taxable equivalent revenue, driven by a $32 million, or 7%, increase in fully-taxable equivalent net interest income </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $4.5 billion, or 10%, increase in average total deposits, driven by a $3.6 billion, or 8%, increase in average core deposits </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $4.4 billion, or 10%, increase in average loans and leases </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Net charge-offs declined to 0.20% of average loans and leases, down from 0.40% </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $0.31, or 5%, increase in tangible book value per common share to $6.62; end of period dividend yield of 2.2% </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:24PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Specific 2015 First Quarter highlights compared with 2014 Fourth Quarter: </B> </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $1.4 billion, or 3%, increase in average total deposits, including a $1.1 billion, or 2%, increase in average core deposits </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $1.2 billion, or 2%, increase in average earning assets, driven by a $0.7 billion, or 1%, increase in average loans and leases </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Completed acquisition of Macquarie Equipment Finance, which added $0.8 billion of equipment finance leases and $0.5 billion of assumed debt </TD> </TR> </TABLE> <EFX_INCOME_STATEMENT> <A NAME="FIS_INCOME_STATEMENT"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 1 &#150; Earnings Performance Summary </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="65%"> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2015 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:118.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> ($ in millions, except per share data) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> First <BR> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Fourth <BR> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Third <BR> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Second <BR> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> First <BR> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net Income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 165.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 163.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 155.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 164.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 149.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Diluted earnings per common share </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.19 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.19 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.19 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.17 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average assets </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1.02 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.00 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.97 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.07 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average common equity </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average tangible common equity </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 12.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest margin </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.15 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.20 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.28 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.27 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Efficiency ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 63.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 66.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 65.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 62.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 66.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tangible book value per common share </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 6.62 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.62 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.53 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.48 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.31 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Cash dividends declared per common share </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.06 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.06 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.05 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.05 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.05 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average diluted shares outstanding (000&#146;s) </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 823,809 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 825,338 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 829,623 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 834,687 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 842,677 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average earning assets </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 61,193 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 60,010 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 58,707 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 57,077 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 54,961 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average loans </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 47,780 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,092 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46,113 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 45,024 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 43,423 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average core deposits </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 48,777 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,638 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46,119 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 45,611 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 45,195 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tangible common equity / tangible assets ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 7.95 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.17 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.35 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.38 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.63 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Common equity Tier 1 risk-based capital ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 9.51 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tier 1 common risk-based capital ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> N/A </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.23 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.31 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.26 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.60 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NCOs as a % of average loans and leases </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.20 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.20 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.26 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.25 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.40 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NAL ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.76 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.63 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.70 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.71 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.74 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> ACL as a % of total loans and leases </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1.38 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.40 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.47 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.50 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.56 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> </TABLE> </EFX_INCOME_STATEMENT> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> N/A denotes quarters in which the calculation did not apply </I> </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 2 </P> <A NAME="eolPage8"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Table 2 lists certain items that Management believes are significant in understanding corporate performance and trends (see Basis of Presentation). There were no Significant Items in the 2015 first quarter. The quarter did contain $3 million of expenses related to the Macquarie Equipment Finance acquisition. Merger-related expense may be a Significant Item for the 2015 full year. </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_3"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 2 &#150; Significant Items Influencing Earnings </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="73%"> </TD> <TD VALIGN="BOTTOM" WIDTH="6%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="6%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="6%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM"> <B> Three Months Ended </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Pre-Tax <BR> Impact </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> After-Tax Impact </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM"> <I> (in millions, except per share) </I> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Amount </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Amount <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> &nbsp; </SUP> </B> <B> <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> <FONT STYLE="FONT-SIZE:5PT"> (1) </FONT> </SUP> </I> </B> <B> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> </SUP> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> EPS <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> </SUP> </B> <B> <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> <FONT STYLE="FONT-SIZE:5PT"> (2) </FONT> </SUP> </I> </B> <B> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> </SUP> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> March&nbsp;31, 2015 &#150; net income </B> <B> <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (3) </SUP> </I> </B> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 166 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.19 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> December&nbsp;31, 2014 &#150; net income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 164 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.19 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149;&nbsp;&nbsp;&nbsp;&nbsp;Addition to litigation reserves </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (12 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149;&nbsp;&nbsp;&nbsp;&nbsp;Franchise repositioning related expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> September&nbsp;30, 2014 &#150; net income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 155 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.18 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149;&nbsp;&nbsp;&nbsp;&nbsp;Franchise repositioning related expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (19 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (13 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.02 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149;&nbsp;&nbsp;&nbsp;&nbsp;Merger and acquisition related net expenses </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.00 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> June&nbsp;30, 2014 &#150; net income </B> <B> <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (4) </SUP> </I> </B> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 165 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.19 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> March&nbsp;31, 2014 &#150; net income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 149 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.17 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149;&nbsp;&nbsp;&nbsp;&nbsp;Camco Financial acquisition </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (12 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149;&nbsp;&nbsp;&nbsp;&nbsp;Addition to litigation reserves </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> &nbsp; </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Favorable (unfavorable) impact on net income; 35% operating tax rate </I> </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (2) </SUP> &nbsp; </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> EPS reflected on a fully diluted basis </I> </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (3) </SUP> &nbsp; </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Quarter included $3 million of merger-related expense that was not a Significant Item for the quarter, but merger-related expense may be a Significant Item for the 2015 full year. </I> </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (4) </SUP> &nbsp; </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Quarter included $1 million of merger-related expense that was not a Significant Item for the quarter, but merger and acquisition-related net expense was a Significant Item for the 2014 full year. </I> </TD> </TR> </TABLE> <EFX_INCOME_STATEMENT> <A NAME="FIS_INCOME_STATEMENT_2"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Net Interest Income, Net Interest Margin, and Average Balance Sheet </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 3 &#150; Net Interest Income and Net Interest Margin Performance Summary </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="69%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2015 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> First </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Third </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Second </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> First </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:45.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> ($ in millions) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 467.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 473.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 466.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 460.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 437.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )% </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> FTE adjustment </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 7.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest income - FTE </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 475.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 480.8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 473.8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 466.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 443.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest income </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 231.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 233.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 247.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 250.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 248.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total revenue - FTE </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 706.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 714.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 721.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 716.8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 691.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="16"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="8"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change bp </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:38.60PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> Yield / Cost </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total earning assets </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.38 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.41 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.44 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.53 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.53 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (15 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total loans and leases </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.56 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.60 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.66 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.75 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.75 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (19 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total securities </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2.57 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.65 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.54 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.57 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.52 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total interest-bearing liabilities </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.32 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.32 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.33 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.34 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.36 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (4 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total interest-bearing deposits </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.22 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.23 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.23 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.25 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.28 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest rate spread </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.06 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.09 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.11 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.19 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.17 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (11 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Impact of noninterest-bearing funds on margin </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.09 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.09 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.09 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.09 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.10 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest margin </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.15 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.18 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.20 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.28 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.27 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (12 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_INCOME_STATEMENT> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Pages 7-8 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 3 </P> <A NAME="eolPage9"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Fully-taxable equivalent (FTE) net interest income for the 2015 first quarter increased $32 million, or 7%, from the 2014 first quarter. This reflected the benefit from the $6.2 billion, or 11%, increase in average earnings assets partially offset by a 12 basis point reduction in the FTE net interest margin (NIM) to 3.15%. Average earning asset growth included a $4.4 billion, or 10%, increase in average loans and leases and a $1.8 billion, or 16%, increase in average securities. The NIM contraction reflected a 15 basis point decrease related to the mix and yield of earning assets and 1 basis point reduction in benefit from the impact of noninterest-bearing funds, partially offset by the 4 basis point reduction in funding costs. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Compared to the 2014 fourth quarter, FTE net interest income decreased $6 million, or 1%. While average earning assets increased $1.2 billion, or 2%, sequentially, the 3 basis point decrease in the NIM coupled with two fewer days in the 2015 first quarter more than offset the benefit of the larger balance sheet. </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_4"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 4 &#150; Average Earning Assets &#150; Automobile and C&amp;I Continue to Provide Primary Sources of Loan Growth </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="68%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2015 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> First </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Third </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Second </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> First </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change (%) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:37.40PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (in billions) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Average Loans and Leases </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Commercial and industrial </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 19.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Commercial real estate </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total commercial </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 24.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Automobile </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 8.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 29 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Home equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 8.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Residential mortgage </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other consumer </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total consumer </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 23.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 21.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 20.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 47.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 45.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 43.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total securities </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 12.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Held-for-sale and other earning assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 31 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total earning assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 61.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 60.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 58.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 57.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 55.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Page 6 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average earning assets for the 2015 first quarter increased $6.2 billion, or 11%, from the year-ago quarter, driven by: </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $2.0 billion, or 29%, increase in average Automobile loans, as the 2015 first quarter represented the fifth consecutive quarter of greater than $1.0 billion in automobile loan originations. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $1.8 billion, or 16%, increase in average securities, reflecting an increase of $1.8 billion of Liquidity Coverage Ratio (LCR) Level 1 qualified securities. The quarter&#146;s average balance also included $0.8 billion of direct purchase municipal instruments originated by our Commercial segment, offset by $0.8 billion of runoff. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $1.5 billion, or 8%, increase in average Commercial and Industrial (C&amp;I) loans and leases, primarily reflecting growth in trade finance in support of our middle market and corporate customers, asset finance, automobile dealer floorplan lending, and corporate banking. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $0.4 billion, or 8%, increase in average Residential mortgage loans as a result of the Camco acquisition in the year-ago quarter and a decrease in the rate of payoffs due to lower levels of refinancing. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 4 </P> <A NAME="eolPage10"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> While not affecting average balances, $1.0 billion of automobile loans were transferred to Loans Held-For-Sale (HFS) at quarter end in anticipation of a future loan securitization. In addition, on March&nbsp;31, 2015, the company completed the previously announced acquisition of Macquarie Equipment Finance, Inc., subsequently rebranded as Huntington Technology Finance. The acquisition included $0.8 billion of equipment finance leases. </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_5"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 5 &#150; Average Liabilities &#150; Growth in Noninterest Bearing Demand Deposits Drives Further Improvement in Funding Mix </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="68%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2015 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> First </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Third </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Second </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> First </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change (%) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:37.40PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (in billions) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Average Deposits </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Demand deposits - noninterest bearing </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 15.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Demand deposits - interest bearing </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 6.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total demand deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 21.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 21.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 20.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 19.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 19.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Money market deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 19.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Savings and other domestic deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Core certificates of deposit </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (22 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total core deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 48.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 45.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 45.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other domestic deposits of $250,000 or more </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (31 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Brokered deposits and negotiable CDs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 70 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 52.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 50.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 49.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 48.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Short and long-term borrowings </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 6.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total Interest-bearing liabilities </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 43.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 42.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 42.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 41.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 39.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Page 6 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average total deposits for the 2015 first quarter increased $4.5 billion, or 10%, from the year-ago quarter, including a $3.6&nbsp;billion, or 8%, increase in average total core deposits. The increase in total deposits included $1.0 billion of deposits acquired in the Camco and Bank of America branch acquisitions. Average total interest-bearing liabilities increased $3.8 billion, or 10%, from the year-ago quarter, reflecting: </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $2.1 billion, or 16%, increase in noninterest bearing deposits, reflecting the strategic focus on consumer checking account household and commercial checking account relationship growth. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $1.7 billion, or 10%, increase in money market deposits, reflecting consumer and commercial relationship growth as well as strong sales execution. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $1.4 billion, or 28%, increase in short- and long-term borrowings, primarily reflecting a cost-effective method of funding incremental LCR related securities growth including the issuance of $1.0 billion of bank-level senior debt during the 2015 first quarter. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $0.8 billion, or 46%, increase in brokered deposits and negotiable CDs, which were used to efficiently finance balance sheet growth while continuing to manage the overall cost of funds. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Partially offset by: </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $0.8 billion, or 22%, decrease in average core certificates of deposit due to the strategic focus on changing the funding sources to no-cost demand deposits and lower-cost money market deposits. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 5 </P> <A NAME="eolPage11"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Compared to the 2014 fourth quarter, average total interest-bearing liabilities increased $0.9 billion, or 2%, primarily reflecting a $1.0&nbsp;billion, or 5%, increase in average money market deposits. While not affecting average balances, the Macquarie acquisition included $0.5&nbsp;billion of assumed debt. </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_6"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Noninterest Income </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 6 &#150; Noninterest Income &#150; Continued Momentum in Electronic Banking and Robust Activity in Capital Markets Highlight Quarter </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="64%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2015 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="6" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" ROWSPAN="2" NOWRAP> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:39.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (in millions) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> First </B> <BR> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Fourth <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Third <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Second <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> First <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change (%) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Noninterest Income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Service charges on deposit accounts </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 62.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 67.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 69.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 72.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 64.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> )% </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (4 </TD> <TD NOWRAP VALIGN="BOTTOM"> )% </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Trust services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 29.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 29.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 29.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Electronic Banking </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 27.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 27.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 26.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Mortgage banking income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 23.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 25.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 64 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Brokerage Income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 15.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (10 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Insurance income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 15.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (4 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Bank owned life insurance income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 13.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (13 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Capital markets fees </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 13.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Gain on sale of loans </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 4.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (15 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 29 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Securities (losses) gains </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> NM </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> NM </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 27.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 36.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (12 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total noninterest income </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 231.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 233.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 247.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 250.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 248.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> )% </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> NM-Not meaningful </I> <B> </B> <I> </I> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Pages 9-10 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest income for the 2015 first quarter decreased $17 million, or 7%, from the year-ago quarter. The year-over-year decrease primarily reflected the $17 million of securities gains realized in the 2014 first quarter compared to none in the current quarter. Other notable noninterest income comparisons with the year-ago quarter included: </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $5&nbsp;million, or 51%, increase in capital market fees, primarily related to income from customer interest rate derivative products and underwriting fees. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $4&nbsp;million, or 16%, increase in electronic banking, due to higher card related income and underlying customer growth. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $2&nbsp;million, or 4%, decrease in service charges on deposit accounts as a 9% increase in consumer households and changing customer usage patterns partially offset the estimated $6 million quarterly run-rate decline from the late July 2014 implementation of changes in consumer products. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Compared to the 2014 fourth quarter, mortgage banking revenues increased $9&nbsp;million, or 64%, primarily driven by higher gain on sale margin, a higher percentage of loans originated for sale, and a 6% increase in origination volume. </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 6 </P> <A NAME="eolPage12"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_7"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Noninterest Expense </U> </B> (see Basis of Presentation) <B> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 7 &#150; Noninterest Expense from Continuing Operations (GAAP) &#150; Continuing Impact of Acquisitions Push Expenses Higher </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="63%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2015 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="6" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" ROWSPAN="2" NOWRAP> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:39.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (in millions) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> First </B> <BR> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Fourth <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Third <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Second <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> First <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change (%) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Noninterest Expense </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Personnel costs </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 264.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 263.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 275.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 260.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 249.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Outside data processing and other services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 50.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 54.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net occupancy </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 31.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 31.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 34.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 33.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Equipment </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 30.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 32.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (5 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Professional services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 12.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (19 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Marketing </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 13.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 21 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Deposit and other insurance expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (22 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (26 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Amortization of intangibles </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (4 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 36.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 50.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 39.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 33.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (29 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (29 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total noninterest expense </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 458.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 483.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 480.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 458.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 460.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (5 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="16"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:45.90PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (in thousands) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Number of employees (Average full-time equivalent) </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 11.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_8"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 8 &#150; Impacts of Significant Items </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="72%"> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2015 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:39.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (in millions) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> First <BR> Quarter&nbsp; <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Fourth <BR> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Third <BR> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Second <BR> Quarter&nbsp; <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (2) </SUP> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> First <BR> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Noninterest Expense </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Personnel costs </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Outside data processing and other services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net occupancy </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Equipment </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Professional services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Marketing </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total noninterest expense </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 20.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 21.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> (1) </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Includes $3&nbsp;million of merger-related expense that was not a Significant Item for the quarter, but merger-related expense may be a Significant Item for the 2015 full year. </I> <B> </B> <I> </I> </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> (2) </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Includes $1&nbsp;million of merger-related expense that was not a Significant Item for the quarter, but was a Significant Item for the 2014 full year. </I> </TD> </TR> </TABLE> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_9"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 9 &#150; Adjusted Noninterest Expense (Non-GAAP) </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="64%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2015 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="6" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" ROWSPAN="2" NOWRAP> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:39.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (in millions) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> First </B> <BR> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Fourth <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Third <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Second <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ROWSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> First <BR> Quarter </TD> <TD VALIGN="BOTTOM" ROWSPAN="2">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change (%) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Noninterest Expense </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Personnel costs </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 264.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 261.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 260.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 260.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 247.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Outside data processing and other services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 50.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 52.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (5 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net occupancy </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 31.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 27.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 29.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 31.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Equipment </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 30.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Professional services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 9.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (40 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Marketing </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 13.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Deposit and other insurance expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (22 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (26 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Amortization of intangibles </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (4 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 36.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 39.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 38.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 33.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 40.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (11 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total noninterest expense </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 455.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 463.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 457.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 457.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 438.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Page 9 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 7 </P> <A NAME="eolPage13"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Reported noninterest expense for the 2015 first quarter decreased $1 million, or less than 1%, from the year-ago quarter. Excluding the impact of Significant Items, noninterest expense increased $17 million, or 4%. The company has continued to invest in the growth of the franchise, including the Camco, Bank of America branch, and Macquarie acquisitions, the ongoing expansion of our retail branch distribution through our in-store strategy, and investments in technology and data analytics. Changes in reported noninterest expense primarily reflect: </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $15 million, or 29%, decrease in other expense. Excluding the impact of Significant Items, other expenses decreased $5&nbsp;million, or 11%. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $4 million, or 26%, decrease in deposit and other insurance expense, primarily reflecting the benefit of $1.75 billion of bank-level debt issued over the past year. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Partially offset by: </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $15 million, or 6%, increase in personnel costs. Excluding the impact of Significant Items, personnel costs increased $18&nbsp;million, or 7%, primarily related to a $14 million increase in salaries reflecting a 1% increase in the number of full-time equivalent employees and a $4 million increase in benefits expense. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Reported noninterest expense decreased $24 million, or 5%, from the 2014 fourth quarter. When adjusting for Significant Items, noninterest expense decreased $7 million. On a reported basis, other expense decreased $15 million, or 29%, largely reflecting the prior quarter&#146;s $12 million net increase to litigation reserves. Outside data processing and other services, professional services, and deposit and other insurance each decreased $3 million from the prior quarter. Professional services during the 2015 first quarter included $3 million of expense related to the Macquarie Equipment Finance acquisition. </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_10"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Credit Quality </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 10 &#150; Summary Credit Quality Metrics &#150; NCOs Remain Below the Long-Term Goal, while One Large Relationship Creates Volatility within NPAs </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="65%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2015 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:51.90PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> ($ in thousands) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Mar. 31 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Dec. 31 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Sep. 30 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Jun. 30 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Mar. 31 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total nonaccrual loans and leases </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 364,413 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 300,244 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 325,765 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 324,957 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 327,158 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total other real estate, net </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 33,951 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 35,039 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 36,270 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 34,695 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 35,691 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other NPAs <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2,440 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,440 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,440 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,440 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,440 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total nonperforming assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 400,804 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 337,723 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 364,475 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 362,092 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 365,289 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Accruing loans and leases past due 90 days or more </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 112,935 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 130,481 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 142,126 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 137,008 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 154,896 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NPAs + accruing loans and lease past due 90 days or more </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 513,739 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 468,204 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 506,601 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 499,100 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 520,185 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NAL ratio <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (2) </SUP> </I> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.76 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.63 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.70 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.71 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.74 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NPA ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (3) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.84 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.71 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.78 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.79 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.82 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> (NPAs+90 days)/(Loans+OREO) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1.08 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.98 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.08 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.08 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.17 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Provision for credit losses </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 20,591 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,494 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24,480 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 29,385 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24,630 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net charge-offs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 24,432 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22,975 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30,023 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28,643 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 42,986 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net charge-offs / Average total loans </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.20 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.20 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.26 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.25 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.40 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Allowance for loans and lease losses </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 605,126 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 605,196 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 631,036 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 635,101 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 631,918 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Allowance for unfunded loan commitments and letters of credit </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 54,742 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 60,806 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 55,449 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 56,927 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 59,368 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Allowance for credit losses (ACL) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 659,868 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 666,002 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 686,485 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 692,028 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 691,286 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> ACL as a % of: </B> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1.38 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.40 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.47 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.50 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.56 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NALs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 181 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 222 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 211 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 213 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 211 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NPAs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 165 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 197 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 188 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 191 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 191 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> (1) </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Other nonperforming assets includes certain impaired investment securities. </I> </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> (2) </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Total NALs as a % of total loans and leases. </I> </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> (3) </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Total NPAs as a % of sum of loans and leases, impaired loans held for sale, and net other real estate. </I> </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Pages 11-14 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 8 </P> <A NAME="eolPage14"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Nonaccrual loans and leases (NALs) increased $37 million, or 11%, compared to a year ago to $364 million, or 0.76% of total loans and leases. Nonperforming assets (NPAs) increased $36 million, or 10%, to $401 million, or 0.84% of total loans and leases, OREO, and other NPAs. The increase in NALs primarily was driven by one specific relationship. As noted previously, given the low level of problem assets, some quarter-to-quarter volatility is expected. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The provision for credit losses decreased $4 million year-over-year to $21 million in the 2015 first quarter. Net charge-offs (NCOs) decreased $19 million, or 43%, to $24 million. NCOs represented an annualized 0.20% of average loans and leases in the current quarter consistent with the prior quarter results, and down substantially from 0.40% in the year-ago quarter. The Consumer portfolios continued to show a declining trend over the last five quarters, particularly evident in Home Equity. The Commercial portfolio has been relatively consistent over the period with relatively low levels creating some inherent volatility, while the commercial real estate portfolio recorded net recoveries for the sixth consecutive quarter. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The period-end allowance for credit losses (ACL) as a percentage of total loans and leases decreased to 1.38% from 1.56% a year ago, while the ACL as a percentage of period-end total NALs declined to 181% from 211%. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Capital </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Beginning in the 2015 first quarter, the company became subject to the Basel III capital requirements as adopted by the Federal Reserve Board including the standardized approach for calculating risk-weighted assets in accordance with subpart D of the final capital rule. The implementation of the Basel III capital requirements is transitional and phases-in from January&nbsp;1, 2015, through the end of 2018. The Basel III capital requirements emphasize common equity tier 1 capital, the most loss-absorbing form of capital, and implement strict eligibility criteria for regulatory capital instruments. Common equity tier 1 capital primarily includes common shareholders&#146; equity less certain deductions for goodwill and other intangibles, net of taxes, MSRs, net of taxes, and DTAs that arise from tax loss and credit carryforwards. Tier 1 capital is primarily comprised of common equity tier 1 capital, perpetual preferred stock and certain qualifying capital instruments (TruPS) that are subject to phase-out from tier 1 capital. Tier 2 capital primarily includes qualifying subordinated debt and qualifying ALLL. </P> <EFX_BALANCE_SHEET> <A NAME="FIS_BALANCE_SHEET"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 11 &#150; Capital Ratios &#150; Capital Levels Support Continued Balance Sheet Growth and Capital Return to Shareholders </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="62%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD WIDTH="6%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2015 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:39.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (in millions) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Mar. 31 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Dec. 31 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Sep. 30 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Jun. 30 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Mar. 31 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tangible common equity / tangible assets ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 7.95 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.17 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.35 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.38 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.63 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Common equity tier 1 risk-based capital ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> Basel&nbsp;III </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 9.51 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tier 1 common risk-based capital ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> Basel I </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> N/A </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.23 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.31 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.26 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.60 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Regulatory Tier 1 risk-based capital ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> Basel III </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.22 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> Basel&nbsp;I </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> N/A </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.50 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.61 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.56 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.95 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Regulatory Total risk-based capital ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> Basel III </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 12.48 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> Basel&nbsp;I </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> N/A </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.56 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.72 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.67 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.13 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total risk-weighted assets <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> Basel III </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 57,833 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N/A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> Basel&nbsp;I </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> N/A </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 54,479 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53,239 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53,035 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51,120 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> </TABLE> </EFX_BALANCE_SHEET> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> (1) </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> March&nbsp;31, 2015 figures are estimated and are presented on a Basel III basis, including the standardized approach for calculating risk-weighted assets. </I> </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> N/A denotes quarters in which the calculation did not apply </I> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Pages 15-16 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 9 </P> <A NAME="eolPage15"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The tangible common equity to tangible assets ratio was 7.95% at March&nbsp;31, 2015, down 68 basis points from a year ago. On a Basel III basis, Common Equity Tier 1 (CET1) risk-based capital ratio was 9.51% at March&nbsp;31, 2015, and the regulatory Tier 1 risk-based capital ratio was 10.22%. On a Basel I basis, the tier 1 common risk-based capital ratio was 10.60% at March&nbsp;31, 2014, and the regulatory Tier 1 risk-based capital ratio was 11.95%. All capital ratios were impacted by the repurchase of 26.1&nbsp;million common shares over the last four quarters. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> During the 2015 first quarter, the company repurchased 4.9&nbsp;million common shares at an average price of $10.45 per share, completing the $250 million repurchase authorization included in the 2014 CCAR capital plan. The Board of Directors authorized the repurchase of up to $366 million of common shares over the next five quarters, consistent with the capital plan submitted in the 2015 CCAR process, which received no objection from the Federal Reserve. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Income Taxes </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The provision for income taxes in the 2015 first quarter was $54 million and $52 million in the 2014 first quarter. The effective tax rates for the 2015 first quarter and 2014 first quarter were 24.6% and 25.9%, respectively. At March&nbsp;31, 2015, we had a net federal deferred tax asset of $55 million and a net state deferred tax asset of $44 million. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Expectations &#150; 2015 </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#147;We are optimistic about ongoing economic improvement in our markets and on the national level. While our customer activity levels, our pipelines, and our balance sheet are strong, we will continue to be disciplined in growing our commercial real estate and C&amp;I portfolios,&#148; Steinour said. &#147;We remain committed to delivering solid results in a flat interest rate environment. We have built our budget around the current rate environment and our planned results are not dependent on a rate hike. We will continue disciplined execution of our strategic focus on investment in the business, controlled expenses, and delivering full-year positive operating leverage.&#148; </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Excluding Significant Items and net MSR activity, we expect to deliver positive operating leverage in 2015. We expect noninterest expense growth of 2-4%, excluding Significant Items and the recurring expense related to the Macquarie acquisition. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Overall, asset quality metrics are expected to remain near current levels, although moderate quarterly volatility also is expected, given the absolute low level of problem assets and credit costs. We anticipate NCOs will remain within or below our long-term normalized range of 35 to 55 basis points. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The effective tax rate for 2015 is expected to be in the range of 24% to 27%. </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 10 </P> <A NAME="eolPage16"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Conference Call / Webcast Information </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington&#146;s senior management will host an earnings conference call on April&nbsp;22, 2015, at 10:00 a.m. (Eastern Daylight Saving Time). The call may be accessed via a live Internet webcast at the Investor Relations section of Huntington&#146;s website, www.huntington.com, or through a dial-in telephone number at (844)&nbsp;318-8148; Conference ID# 11113289. Slides will be available in the Investor Relations section of Huntington&#146;s website about an hour prior to the call. A replay of the webcast will be archived in the Investor Relations section of Huntington&#146;s website. A telephone replay will be available approximately two hours after the completion of the call through April&nbsp;30, 2015 at (855)&nbsp;859-2056 or (404)&nbsp;537-3406; conference ID# 11113289. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> Please see the 2015 First Quarter Quarterly Financial Supplement for additional detailed financial performance metrics. This document can be found at the Investor Relations section of Huntington&#146;s website, www.huntington.com. </I> </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Forward-looking Statement </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> This document contains certain forward-looking statements, including certain plans, expectations, goals, projections, and statements, which are subject to numerous assumptions, risks, and uncertainties. Forward-looking statements may be identified by words such as <I> expect, anticipate, believe, intend, estimate, plan, target, goal, </I> or similar expressions, or future or conditional verbs such as <I> will, may, might, should, would, could </I> , or similar variations. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements: (1)&nbsp;worsening of credit quality performance due to a number of factors such as the underlying value of collateral that could prove less valuable than otherwise assumed and assumed cash flows may be worse than expected; (2)&nbsp;changes in general economic, political, or industry conditions; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Federal Reserve Board; volatility and disruptions in global capital and credit markets; (3)&nbsp;movements in interest rates; (4)&nbsp;competitive pressures on product pricing and services; (5)&nbsp;success, impact, and timing of our business strategies, including market acceptance of any new products or services implementing our &#147;Fair Play&#148; banking philosophy; (6)&nbsp;changes in accounting policies and principles and the accuracy of our assumptions and estimates used to prepare our financial statements; (7)&nbsp;extended disruption of vital infrastructure; (8)&nbsp;the final outcome of significant litigation; (9)&nbsp;the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the OCC, Federal Reserve, FDIC, and CFPB; and (10)&nbsp;the outcome of judicial and regulatory decisions regarding practices in the residential mortgage industry, including among other things the processes followed for foreclosing residential mortgages. Additional factors that could cause results to differ materially from those described above can be found in Huntington&#146;s 2014 Annual Report on Form 10-K, and documents subsequently filed by Huntington with the Securities and Exchange Commission. All forward-looking statements included in this document are based on information available at the time of the release. Huntington assumes no obligation to update any forward-looking statement. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Basis of Presentation </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Use of Non-GAAP Financial Measures </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> This document may contain GAAP financial measures and non-GAAP financial measures where management believes it to be helpful in understanding Huntington&#146;s results of operations or financial position. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in this fourth quarter earnings release, conference call slides, or the Form <FONT STYLE="WHITE-SPACE:NOWRAP"> 8-K </FONT> related to this document, all of which can be found on Huntington&#146;s website at <U> www.huntington-ir.com </U> . </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Significant Items </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> From time to time, revenue, expenses, or taxes are impacted by items judged by Management to be outside of ordinary banking activities and/or by items that, while they may be associated with ordinary banking activities, are so unusually large that their outsized impact is believed by Management at that time to be infrequent or short term in nature. We refer to such items as &#147;Significant Items&#148;. Most often, these Significant Items result from factors originating outside the Company &#150; e.g., regulatory actions/assessments, windfall gains, changes in accounting principles, one-time tax assessments/refunds, litigation actions, etc. In other cases they may result from Management decisions associated with significant corporate actions out of the ordinary course of business &#150; e.g., merger/restructuring charges, recapitalization actions, goodwill impairment, etc. </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 11 </P> <A NAME="eolPage17"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Even though certain revenue and expense items are naturally subject to more volatility than others due to changes in market and economic environment conditions, as a general rule volatility alone does not define a Significant Item. For example, changes in the provision for credit losses, gains/losses from investment activities, asset valuation write-downs, etc., reflect ordinary banking activities and are, therefore, typically excluded from consideration as a Significant Item. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Management believes the disclosure of &#147;Significant Items&#148;, when appropriate, aids analysts/investors in better understanding corporate performance and trends so that they can ascertain which of such items, if any, they may wish to include/exclude from their analysis of the Company&#146;s performance &#150; i.e., within the context of determining how that performance differed from their expectations, as well as how, if at all, to adjust their estimates of future performance accordingly. To this end, Management has adopted a practice of listing &#147;Significant Items&#148; in its external disclosure documents (e.g., earnings press releases, quarterly performance discussions, investor presentations, Forms 10-Q and <FONT STYLE="WHITE-SPACE:NOWRAP"> 10-K). </FONT> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#147;Significant Items&#148; for any particular period are not intended to be a complete list of items that may materially impact current or future period performance. A number of items could materially impact these periods, including those described in Huntington&#146;s 2014 Annual Report on Form 10-K and other factors described from time to time in Huntington&#146;s other filings with the Securities and Exchange Commission. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Annualized Data </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Certain returns, yields, performance ratios, or quarterly growth rates are presented on an &#147;annualized&#148; basis. This is done for analytical and decision-making purposes to better discern underlying performance trends when compared to full-year or year-over-year amounts. For example, loan and deposit growth rates, as well as net charge-off percentages, are most often expressed in terms of an annual rate like 8%. As such, a 2% growth rate for a quarter would represent an annualized 8% growth rate. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Fully-Taxable Equivalent Interest Income and Net Interest Margin </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Income from tax-exempt earning assets is increased by an amount equivalent to the taxes that would have been paid if this income had been taxable at statutory rates. This adjustment puts all earning assets, most notably tax-exempt municipal securities and certain lease assets, on a common basis that facilitates comparison of results to results of competitors. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Earnings per Share Equivalent Data </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Significant income or expense items may be expressed on a per common share basis. This is done for analytical and decision-making purposes to better discern underlying trends in total corporate earnings per share performance excluding the impact of such items. Investors may also find this information helpful in their evaluation of the Company&#146;s financial performance against published earnings per share mean estimate amounts, which typically exclude the impact of Significant Items. Earnings per share equivalents are usually calculated by applying a 35% effective tax rate to a pre-tax amount to derive an after-tax amount, which is divided by the average shares outstanding during the respective reporting period. Occasionally, when the item involves special tax treatment, the after-tax amount is disclosed separately, with this then being the amount used to calculate the earnings per share equivalent. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Rounding </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Please note that columns of data in this document may not add due to rounding. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> About Huntington </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington Bancshares Incorporated is a $68 billion asset regional bank holding company headquartered in Columbus, Ohio, with a network of more than 700 branches and almost 1,500 ATMs across six Midwestern states. Founded in 1866, The Huntington National Bank and its affiliates provide consumer, small business, commercial, treasury management, wealth management, brokerage, trust, and insurance services. Huntington also provides auto dealer, equipment finance, national settlement and capital market services that extend beyond its core states. Visit huntington.com for more information. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> ### </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 12 </P> </EFX_EXHIBIT_99> <DIV CLASS="eolNewPage"></DIV> <A NAME="eolPage18"></A> <A NAME="D913513DEX992_HTM"></A> <EFX_EXHIBIT_99> <A NAME="FIS_EXHIBIT_99_2"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="RIGHT"> <B> Exhibit 99.2 </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> HUNTINGTON BANCSHARES INCORPORATED </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Quarterly Financial Supplement </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> March 2015 </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <P STYLE="LINE-HEIGHT:1.0PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:2PT;BORDER-BOTTOM:1.00PT SOLID #000000">&nbsp; </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_11"></A> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> <U> Table of Contents </U> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="97%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Key Statistics </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Key Statistics Footnotes </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Balance Sheets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Loans and Leases Composition </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Deposits Composition </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Quarterly Average Balance Sheets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Quarterly Net Interest Margin - Interest Income / Expense </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Quarterly Net Interest Margin - Yield </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Selected Quarterly Income Statement Data </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Mortgage Banking Income </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Credit Reserves Analysis </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Net Charge-Off Analysis </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Accruing Past Due Loans and Leases and Accruing Troubled Debt Restructured Loans </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 14 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Capital Under Current Regulatory Standards (Basel III) and Other Capital Data </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 15 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Common Stock Summary, Capital, and Other Data </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> 16 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> </TABLE> <A NAME="eolPage19"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Notes: </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The preparation of financial statement data in conformity with accounting principles generally accepted in the United States (GAAP) requires management to make estimates and assumptions that affect amounts reported. Actual results could differ from those estimates. Certain prior period amounts have been reclassified to conform to the current period&#146;s presentation. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Non-Regulatory Capital Ratios </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> In addition to capital ratios defined by banking regulators, the Company considers various other measures when evaluating capital utilization and adequacy, including: </P> </EFX_UNIDENTIFIED_TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="1%">&nbsp; </TD> <TD WIDTH="2%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Tangible common equity to tangible assets, </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="1%">&nbsp; </TD> <TD WIDTH="2%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Tier 1 common equity to risk-weighted assets using Basel I definitions (through 4Q 2014), and </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="1%">&nbsp; </TD> <TD WIDTH="2%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Tangible common equity to risk-weighted assets using Basel I definition (through 4Q 2014) and Basel III definition (beginning 1Q 2015). </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> These non-regulatory capital ratios are viewed by management as useful additional methods of reflecting the level of capital available to withstand unexpected market conditions. Additionally, presentation of these ratios allows readers to compare the Company&#146;s capitalization to other financial services companies. These ratios differ from capital ratios defined by banking regulators principally in that the numerator excludes preferred securities, the nature and extent of which varies among different financial services companies. These ratios are not defined in GAAP or federal banking regulations. As a result, these non-regulatory capital ratios disclosed by the Company may be considered non-GAAP financial measures. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Because there are no standardized definitions for these non-regulatory capital ratios, the Company&#146;s calculation methods may differ from those used by other financial services companies. Also, there may be limits in the usefulness of these measures to investors. As a result, the Company encourages readers to consider the consolidated financial statements and other financial information contained in the related press release in their entirety, and not to rely on any single financial measure. </P> <A NAME="eolPage20"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_12"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington Bancshares Incorporated </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Key Statistics <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (Unaudited) </I> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="82%"> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2015 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Percent&nbsp;Changes&nbsp;vs. </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:182.40PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (dollar amounts in thousands, except per share amounts) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> First </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> First </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 4Q14 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 1Q14 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 467,685 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 473,252 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 437,506 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Provision for credit losses </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 20,591 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,494 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24,630 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 726 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (16 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 231,623 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 233,278 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 248,485 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 458,857 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 483,271 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 460,121 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (5 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Income before income taxes </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 219,860 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 220,765 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 201,240 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Provision for income taxes </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 54,006 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 57,151 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 52,097 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net income </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 165,854 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 163,614 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 149,143 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Dividends on preferred shares </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,965 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,963 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,964 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net income applicable to common shares </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 157,889 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 155,651 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 141,179 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net income per common share - diluted </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.19 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.19 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.17 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Cash dividends declared per common share </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.06 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.06 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.05 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 20 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Book value per common share at end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7.51 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7.32 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.99 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tangible book value per common share at end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.62 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.62 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.31 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average common shares - basic </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 809,778 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 811,967 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 829,659 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average common shares - diluted </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 823,809 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 825,338 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 842,677 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.02 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.00 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average common shareholders&#146; equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average tangible common shareholders&#146; equity <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (2) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest margin <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (3) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.15 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.27 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Efficiency ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (4) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 63.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 66.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 66.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest Income/Total Revenue </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 32.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 32.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 35.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Effective tax rate </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 25.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 25.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,780,321 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,091,643 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 43,423,355 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average loans and leases - linked quarter annualized growth rate </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (32 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 123 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average earning assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 61,192,878 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 60,009,528 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 54,961,237 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average total assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 66,251,089 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 64,931,767 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 59,692,484 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average core deposits <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (5) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 48,777,445 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,637,501 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 45,194,597 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average core deposits - linked quarter annualized growth rate </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (27 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 140 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average shareholders&#146; equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,416,066 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,374,331 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,182,891 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total assets at end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 68,002,661 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 66,298,010 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 61,145,753 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total shareholders&#146; equity at end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,461,954 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,328,170 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,176,234 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net charge-offs (NCOs) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24,432 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22,975 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 42,986 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (43 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NCOs as a % of average loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.20 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.20 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.40 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (48 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Nonaccrual loans and leases (NALs) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 364,413 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 300,244 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 327,158 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 21 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NAL ratio </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.76 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.63 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.74 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 21 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Nonperforming assets (NPAs) <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (6) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 400,804 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 337,723 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 365,289 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 19 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NPA ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (6) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.84 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.71 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.82 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.27 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.27 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.42 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> ALLL plus allowance for unfunded loan commitments and letters of credit (ACL) as a % of total loans and leases at the end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.38 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.40 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.56 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> ACL as a % of NALs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 181 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 222 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 211 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> ACL as a % of NPAs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 165 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 197 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 191 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tier 1 leverage ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (7) (9) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.04 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.74 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.32 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Common equity tier 1 risk-based capital ratio </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.51 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N.A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N.A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tier 1 common risk-based capital ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (7) (9) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> N.A </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.23 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.60 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tier 1 risk-based capital ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (7) (9) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.22 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.50 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.95 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total risk-based capital ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (7) (9) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.48 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.56 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.13 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tangible common equity / risk-weighted assets ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (8) (9) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.25 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.86 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.22 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Notes to the Quarterly Key Statistics. </I> </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 1 </P> <A NAME="eolPage21"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Key Statistics Footnotes </B> </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Comparisons for all presented periods are impacted by a number of factors. Refer to Significant Items. </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (2) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Net income excluding expense for amortization of intangibles for the period divided by average tangible common shareholders&#146; equity. Average tangible common shareholders&#146; equity equals average total common shareholders&#146; equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred tax liability, and calculated assuming a 35% tax rate. </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (3) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> On a fully-taxable equivalent (FTE) basis assuming a 35% tax rate. </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (4) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Noninterest expense less amortization of intangibles and goodwill impairment divided by the sum of FTE net interest income and noninterest income excluding securities gains (losses). </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (5) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Includes noninterest-bearing and interest-bearing demand deposits, money market deposits, savings and other domestic deposits, and core certificates of deposit. </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (6) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> NPAs include other real estate owned. </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (7) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> March&nbsp;31, 2015, figures are estimated. </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (8) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Tangible common equity (total common equity less goodwill and other intangible assets) divided by tangible assets (total assets less goodwill and other intangible assets). Other intangible assets are net of deferred tax liability, and calculated assuming a 35% tax rate. </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (9) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> On January&nbsp;1, 2015, we became subject to the Basel III capital requirements and the standardized approach for calculating risk-weighted assets in accordance with subpart D of the final capital rule. Ratios prior to January&nbsp;1, 2015 were not retrospectively updated and are presented on a Basel 1 basis. </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (N.A.) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Not applicable. See footnote 9 above. </TD> </TR> </TABLE> <A NAME="eolPage22"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <EFX_BALANCE_SHEET> <A NAME="FIS_BALANCE_SHEET_2"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington Bancshares Incorporated </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Balance Sheets </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="82%"> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2015 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Percent&nbsp;Changes&nbsp;vs. </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:178.40PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (dollar amounts in thousands, except number of shares) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> March 31, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> December 31, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> March 31, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 4Q14 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 1Q14 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <I> (Unaudited) </I> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <I> (Unaudited) </I> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Assets </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Cash and due from banks </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 899,876 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,220,565 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 973,264 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (26 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Interest-bearing deposits in banks </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 74,030 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 64,559 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 71,231 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Trading account securities </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,626 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 42,191 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 40,439 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Loans held for sale </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,620,552 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 416,327 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 295,312 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 289 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 449 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Available-for-sale and other securities </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9,922,399 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9,384,670 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,754,790 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Held-to-maturity securities </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3,336,663 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3,379,905 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3,734,723 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (11 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Loans and leases <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,695,632 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,655,726 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 44,353,908 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Allowance for loan and lease losses </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (605,126 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (605,196 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (631,918 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (4 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,090,506 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,050,530 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 43,721,990 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Bank owned life insurance </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,725,388 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,718,436 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,681,898 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Premises and equipment </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 607,263 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 616,407 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 628,966 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Goodwill </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 678,369 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 522,541 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 505,448 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 34 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other intangible assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 72,665 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 74,671 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 90,757 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (20 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Accrued income and other assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,927,324 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,807,208 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,646,935 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 68,002,661 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 66,298,010 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 61,145,753 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Liabilities and shareholders&#146; equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Liabilities </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Deposits <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (2) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 52,832,695 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51,732,151 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 49,348,753 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Short-term borrowings </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,007,236 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,397,101 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,723,393 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (16 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Long-term debt </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5,158,836 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4,335,962 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,831,652 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 19 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 82 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Accrued expenses and other liabilities </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,541,940 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,504,626 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,065,721 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 45 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total liabilities </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 61,540,707 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 59,969,840 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 54,969,519 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Shareholder&#146;s equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Preferred stock - authorized 6,617,808 shares- </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Series A, 8.50% fixed rate, non-cumulative perpetual convertible preferred stock, par value of $0.01, and liquidation value per share of $1,000 </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 362,507 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 362,507 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 362,507 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Series B, floating rate, non-voting, non-cumulative perpetual preferred stock, par value of $0.01, and liquidation value per share of $1,000 </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23,785 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23,785 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23,785 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Common stock - Par value of $0.01 </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8,102 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8,131 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8,290 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Capital surplus </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,185,766 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,221,745 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,372,024 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Less treasury shares, at cost </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (13,849 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (13,382 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8,793 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 58 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Accumulated other comprehensive loss </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (160,832 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (222,292 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (201,747 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (28 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (20 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Retained (deficit) earnings </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (943,525 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1,052,324 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1,379,832 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (10 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (32 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total shareholders&#146; equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,461,954 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,328,170 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,176,234 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total liabilities and shareholders&#146; equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 68,002,661 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 66,298,010 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 61,145,753 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Common shares authorized (par value of $0.01) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,500,000,000 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,500,000,000 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,500,000,000 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Common shares issued </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 810,249,377 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 813,136,321 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 828,989,905 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Common shares outstanding </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 808,528,243 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 811,454,676 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 827,771,805 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Treasury shares outstanding </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,721,134 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,681,645 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,218,100 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Preferred shares issued </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,967,071 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,967,071 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,967,071 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Preferred shares outstanding </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 398,007 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 398,007 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 398,007 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> </TABLE> </EFX_BALANCE_SHEET> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> See page 4 for detail of loans and leases. </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (2) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> See page 5 for detail of deposits. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 3 </P> <A NAME="eolPage23"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_13"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington Bancshares Incorporated </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Loans and Leases Composition </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (Unaudited) </I> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="55%"> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2015 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="30" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:89.80PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (dollar amounts in millions) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> March&nbsp;31, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> December&nbsp;31, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> September&nbsp;30, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> June&nbsp;30, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> March&nbsp;31, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Ending Balances by Type: </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Commercial: <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Commercial and industrial </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 20,109 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 42 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 19,033 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 40 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18,791 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 40 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18,899 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 41 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18,046 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 41 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Commercial real estate: </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:7.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Construction </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 910 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 875 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 850 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 757 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 692 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:7.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Commercial </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4,157 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4,322 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4,141 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4,233 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4,339 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Commercial real estate </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5,067 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5,197 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4,991 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4,990 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5,031 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total commercial </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 25,176 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24,230 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23,782 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23,889 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 52 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23,077 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consumer: </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Automobile </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,803 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8,690 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8,322 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,686 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,999 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Home equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8,492 </TD> <TD NOWRAP VALIGN="BOTTOM">