Item 4. Mine Safety Disclosures (Not applicable)

| PART II | | | | | | | | | | | | | | | | Item 5 | | | | | | Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities | | | 44 | | | | | | Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations | | | | | | | Executive Overview | | | 47 | | | | | | | | | | | | | Analysis of Results of Operations | | | 50 | | | | | | | | | | | | | Analysis of Financial Condition | | | 56 | | | | | | | | | | | | | Risk Management | | | 72 | | | | | | | | | | | | | Liquidity | | | 80 | | | | | | | | | | | | | Capital | | | 82 | | | | | | | Item 7A | | | | | | Quantitative and Qualitative Disclosures About Market Risk (see Market Risk) | | | 73 | | | | | | Item 8. Financial Statements and Supplementary Data | | | | | | | Report of Independent Registered Public Accounting Firm (PCAOB ID: 238) | | | 88 | | | | | | | | | | | | | Consolidated Balance Sheets | | | 90 | | | | | | | | | | | | | Consolidated Statements of Income | | | 91 | | | | | | | | | | | | | Consolidated Statements of Comprehensive Income | | | 92 | | | | | | | | | | | | | Consolidated Statements of Changes in Shareholders’ Equity | | | 93 | | | | | | | | | | | | | Consolidated Statements of Cash Flows | | | 94 | | | | | | | | | | | | | Notes to Consolidated Financial Statements | | | | | | | | | | | | | | | | Note 1. Basis of Presentation | | | 95 | | | | | | | | | | | | | Note 2. Discontinued Operations | | | 110 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Note 3. Securities Financing Activities | | | 113 | | | | | | | | | | | | | Note 4. Investment Securities | | | 114 | | | | | | | | | | | | | Note 5. Loans and ACL | | | 116 | | | | | | | | | | | | | Note 6. Premises and Equipment | | | 125 | | | | | | | | | | | | | Note 7. Goodwill and Other Intangible Assets | | | 126 | | | | | | | | | | | | | Note 8. Loan Servicing | | | 128 | | | | | | | | | | | | | Note 9. Other Assets and Liabilities | | | 130 | | | | | | | | | | | | | Note 10. Deposits | | | 131 | | | | | | | | | | | | | Note 11. Borrowings | | | 131 | | | | | | | | | | | | | Note 12. Shareholders’ Equity | | | 132 | | | | | | | | | | | | | Note 13. AOCI | | | 133 | | | | | | | | | | | | | Note 14. Income Taxes | | | 134 | | | | | | | | | | | | | Note 15. Benefit Plans | | | 136 | | | | | | | | | | | | | Note 16. Commitments and Contingencies | | | 140 | | | | | | | | | | | | | Note 17. Regulatory Requirements and Other Restrictions | | | 145 | | | | | | | | | | | | | Note 18. Fair Value Disclosures | | | 146 | | | | | | | | | | | | | Note 19. Derivative Financial Instruments | | | 152 | | | | | | | | | | | | | Note 20. Computation of EPS | | | 157 | | | | | | | | | | | | | Note 21. Operating Segments | | | 158 | | | | | | | | | | | | | Note 22. Parent Company Financial Information | | | 161 | | | | | | | | | | | | | | | | | | | | | |