div class=ts-pagebuttonPage 1button div class=ts-image amp-img class=ts-thumb alt=Page 1: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails1jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 2button div class=ts-image amp-img class=ts-thumb alt=Page 2: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails2jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 3button div class=ts-image amp-img class=ts-thumb alt=Page 3: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails3jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 4button div class=ts-image amp-img class=ts-thumb alt=Page 4: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails4jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 5button div class=ts-image amp-img class=ts-thumb alt=Page 5: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails5jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 6button div class=ts-image amp-img class=ts-thumb alt=Page 6: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails6jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 7button div class=ts-image amp-img class=ts-thumb alt=Page 7: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails7jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 8button div class=ts-image amp-img class=ts-thumb alt=Page 8: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails8jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 9button div class=ts-image amp-img class=ts-thumb alt=Page 9: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails9jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 10button div class=ts-image amp-img class=ts-thumb alt=Page 10: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails10jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 11button div class=ts-image amp-img class=ts-thumb alt=Page 11: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails11jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 12button div class=ts-image amp-img class=ts-thumb alt=Page 12: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails12jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 13button div class=ts-image amp-img class=ts-thumb alt=Page 13: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails13jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 14button div class=ts-image amp-img class=ts-thumb alt=Page 14: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails14jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 15button div class=ts-image amp-img class=ts-thumb alt=Page 15: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails15jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 16button div class=ts-image amp-img class=ts-thumb alt=Page 16: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails16jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 17button div class=ts-image amp-img class=ts-thumb alt=Page 17: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails17jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 18button div class=ts-image amp-img class=ts-thumb alt=Page 18: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails18jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 19button div class=ts-image amp-img class=ts-thumb alt=Page 19: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails19jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 20button div class=ts-image amp-img class=ts-thumb alt=Page 20: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails20jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 21button div class=ts-image amp-img class=ts-thumb alt=Page 21: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails21jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 22button div class=ts-image amp-img class=ts-thumb alt=Page 22: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails22jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 23button div class=ts-image amp-img class=ts-thumb alt=Page 23: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails23jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 24button div class=ts-image amp-img class=ts-thumb alt=Page 24: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails24jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 25button div class=ts-image amp-img class=ts-thumb alt=Page 25: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails25jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 26button div class=ts-image amp-img class=ts-thumb alt=Page 26: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails26jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 27button div class=ts-image amp-img class=ts-thumb alt=Page 27: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails27jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 28button div class=ts-image amp-img class=ts-thumb alt=Page 28: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails28jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 29button div class=ts-image amp-img class=ts-thumb alt=Page 29: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails29jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 30button div class=ts-image amp-img class=ts-thumb alt=Page 30: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails30jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 31button div class=ts-image amp-img class=ts-thumb alt=Page 31: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails31jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 32button div class=ts-image amp-img class=ts-thumb alt=Page 32: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails32jpg width=142 height=106 layout=responsive amp-img divdivdiv class=ts-pagebuttonPage 33button div class=ts-image amp-img class=ts-thumb alt=Page 33: representing 76% otthe total loan portfolio Home equity and second mortgage totaled million representing 34% the total portfolio Commercial and consumer loans represented 49% src=https:reader034vdocumentinreader034viewer20220421175e952d367216744e0523498chtml5thumbnails33jpg width=142 height=106 layout=responsive amp-img divdiv