/2H+  d 1$&|&A%|Page #*''Consolidated Statement of Income&'For the year ended December 31,    "----- "----- "-----'Interest income:'Loans and leases maA 0wA  NItA'Investment securities:'Taxable +QA @h\SA #PA'Tax-exempt MA ({A A'Loans held for sale CsA oA @ tA 'Federal funds sold  :?A  0:A  \J5A "---------- "---------- "---------- 'Total interest income  `(A  tA  eA "---------- "---------- "---------- 'Interest expense:'Deposits @[lA  daA @! _A'Short-term borrowings fA [A "]A'Long-term debt FE:A 3A ڙ(A"----------"----------"----------'Total interest expense >{A  pA oA"----------"----------"----------'Net interest income hA  b~A ~A5'Provision for possible loan and lease losses - 'Note 5 qGA Z:A (8A"----------"----------"----------7'Net interest income after provision for possible'loan and lease losses PdA q|A _}A"----------"----------"----------'Other income:'Loan servicing fees @=A ~A KwA'Loan origination income ~A w\xA @w?A 'Gain on sale of loans  0ctA  >@A  !kA!'Gain on sale of"'mortgage servicing " mA "pA "#FA#'Brokerage fees and$'commissions $MEA $)e@A $ FA%'Trust fees %>A %=A %һ8A&'Service charges on''deposit accounts '2A 'B53A '3A('Insurance commissions,)'fees and premiums )13A )"l0A )-A *'Other *xNA *GEA *,@=A+"----------+"----------+"---------- ,A ,L ÔA ,A-"------------"-----------"-----------.'Other expense:0'Salaries 0(c A 0pφA 087A1'Pension and other2'employee benefits 2@JdA 2:M_A 2 4_A3'Premises and equipment 3kygA 3 }`A 3s[A4'Office expense 4M]A 4FyVA 4VA 5'Marketing and development 5ZA 5ODIA 5bDA6'Amortization of mortgage7'servicing rights 7ORA 7j=A 7OGA 8'Other 8 }gA 8dA 8eA9"----------9"----------9"----------- :࢛A :A :xA]A;"----------;"----------;"-----------!<'Income before income taxes < +~A <0|A <axA='Federal income taxes =PbA =d*bA =5]A>'State income taxes >CA >AA >XAA?"----------?"----------?"----------@'Net income @ 'sA @0'_qA @ mAA"==========A"==========A"==========,C'Net Income per share of common stock:E'Net income -Note 1 E @ E@ EHzG@F"==========F"==========F"==========G'Dividends per shareH'of common stock H)\(? H ףp= ? H333333?I"==========I"==========I"==========!J'Weighted average shares ofK'common stock outstanding K@UA K8qVA KZZVAL"==========L"==========L"==========<M' The accompanying notes are an integral part of the)N'consolidated financial statements.!R'Consolidated Balance SheetS'December 31, S S T"----- T"-----U'Assets:W'Cash and due from banks W|A W AX'Federal funds sold X8lA XjAY"-----------Y"----------- Z'Cash and cash equivalents ZݣA Z >A%['Interest-bearing deposits with\'financial institutions \G^A \3gA%]'Investment securities - Note 3 ](YA ]|xqA%^'Mortgage loans held for sale - _'Note 9 _ݑA _$yA(`'Loans and leases, net of unearneda'income - Note 4 a9A aaA,b'Less: Allowance for possible loan andc'lease losses - Note 5 cQ c[yM d'--d"-----------d"------------ e PA e'A)f'Mortgage servicing rights - Note 6 f$A f*qA"g'Accrued interest receivable g,PA gGA&h'Premises and equipment - Note 7 h =oA h*ejAi'Other assets i˝A i0vAj"-----------j"----------- kA kAl"===========l"=============,n'Liabilities and Shareholders' Equity:p'Deposits$q'Noninterest-bearing  q𵸨A q4^Ar'Interest-bearing rrA r^As'Certificates of depositt'over $100,000 t8ɉA t ztAu"-----------u"----------- vA v8A%x'Short-term borrowings - Note 9 xz~A x@&hAy'Long-term debt - Note 10 yHtA y vAz'Other liabilities z`A z sA{"-----------{"-----------|'Total liabilities |WA |>A}"-----------}"-----------'Shareholders' equity&'Preferred stock, no par value - 'authorized 50,000 shares;'none issued"-"-#'Common stock; no par value -*'authorized 7,500,000 shares; issued)'5,850,520 shares in 1995 and 1994;$'including 185,604 and 220,732%'shares in treasury in 1995 and'1994, respectively p|A p|A!'Additional paid-in capital"-"-/'Net unrealized gain (loss) on investment('securities net of deferred income+'taxes of $6,435 in 1995 and $186,040'in 1994. G \'Retained earnings |"̑A 7A"----------"----------- kA үA#'Less treasury stock, at cost TA UA"----------"-----------!'Total shareholders' equity A (1VA"----------"----------- A A"==========="=============F'The accompanying notes are an integral part of the consolidated'financial statements.+'Consolidated Statement of Cash FlowsE'For the year ended December 31, 1995 1994 1993 "----- "----- "-----'Net Income  'sA 0'_qA  mAE'Adjustment to reconcile net income to cash provided (used) by 'operating activities:$'Depreciation and amortization @RbA xOA @RA"'Provision for possible loan'and lease losses qGA Z:A (8A 'Amortization of premiums,"'less accretion of discounts ؋!A F$ !'Mortgage loan originations i؄ L <"'Sales of mortgage loans  .A `/A A'Gain on sale of mortgage'servicing  m p #F'Other, net  V 0A $"------------"--------------"--------------"'Net cash provided (used) by'operating activities η3 ԆA ('Lending and investing activities:('Proceeds from maturities/calls of'investment securities:'Held-to-Maturity PA pA `C!A'Available-for-Sale `"bA AA P@('Proceeds from sales of investment'securities:'Available-for-sale FA >A"-)'Purchase of investment securities:'Held-to-Maturity X IO @x'Available-for-Sale ` =k l` ͊2'Net (increase) decrease in interest bearing'deposits with financial'institutions hPA uA qIx!'Net increase in loans  .֢ | P5 'Sale of home equity loans PטA"-"- 'Net additions to premises'and equipment @>T J @uS'Additions to mortgage'servicing rights Ҙ uu  i9q%'Proceeds from sale of mortgage'servicing rights  |A !}A oA"-----------"-----------"-----------'Net cash used by lending 'and investing activities  T/n pZ t'Financing activities:'Net increase (decrease)'in deposits HA `hӌ yA,'Net increase (decrease) in short-term'borrowings ȩA no  A"'Repayment of long-term debt ] /wS @C[#'Proceeds from long-term debt 1TA eA JhA!'Purchase of treasury stock F W w#/'Proceeds from sale of stock for employee'stock purchase plan GA 6A  6A'Dividends paid B ? r:"-----------"-----------"-----------"'Net cash provided (used) by'financing activities A 4} BxA"-----------"------------"-----------*'Net increase (decrease) in cash and'cash equivalents iA @ux &AA-'Cash and cash equivalents at beginning'of year  >A `k%A , A#'Cash and cash equivalents at'end of year ݣA  >A `k%A"==========="==========="===========9'Supplemental disclosures of cash flow information:!'Cash paid during the year:'Interest `wFzA  pA pA"============"==========="==========='Income taxes s8MA `fA `LmA"============"==========="===========F'The accompanying notes are an integral part of the consolidated'financial statements.