Segment Information:

The reportable segments are determined by the products and services offered, primarily distinguished between banking, trust and retirement consulting operations. They are also distinguished by the level of information provided to the chief operating decision makers in the Company, who use such information to review performance of various components of the business, which are then aggregated. Loans, investments, and deposits provide the revenues in the banking operation. All operations are domestic. Significant segment totals are reconciled to the financial statements as follows:

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
June 30, 2018
Goodwill and other intangibles	$	4,313	$	38,617	$	2,553		$	(822	)	$	44,661
Total assets	$	12,108	$	2,220,595	$	3,436		$	1,800		$	2,237,939

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
December 31, 2017
Goodwill and other intangibles	$	4,426	$	39,120	$	2,645		$	(822	)	$	45,369
Total assets	$	11,261	$	2,140,508	$	3,365		$	3,935		$	2,159,069

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
For Three Months Ended June 30, 2018
Net interest income	$	34	$	19,551	$	0		$	(23	)	$	19,562
Provision for loan losses		0		750		0			0			750
Service fees, security gains and other noninterest income		1,784		4,121		465			(64	)		6,306
Noninterest expense		1,155		12,884		389			280			14,708
Amortization and depreciation expense		62		625		51			12			750
Income before taxes		601		9,413		25			(379	)		9,660
Income taxes		127		1,591		5			(136	)		1,587
Net Income	$	474	$	7,822	$	20		$	(243	)	$	8,073

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
For Six Months Ended June 30, 2018
Net interest income	$	65	$	38,484	$	0		$	(41	)	$	38,508
Provision for loan losses		0		1,525		0			0			1,525
Service fees, security gains and other noninterest income		3,622		7,975		844			(125	)		12,316
Noninterest expense		2,432		25,436		701			486			29,055
Amortization and depreciation expense		125		1,249		101			24			1,499
Income before taxes		1,130		18,249		42			(676	)		18,745
Income taxes		238		2,944		9			(245	)		2,946
Net Income	$	892	$	15,305	$	33		$	(431	)	$	15,799

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
For Three Months Ended June 30, 2017
Net interest income	$	26	$	18,370	$	0		$	(23	)	$	18,373
Provision for loan losses		0		950		0			0			950
Service fees, security gains and other noninterest income		1,579		4,152		399			(75	)		6,055
Noninterest expense		1,266		13,074		367			169			14,876
Amortization and depreciation expense		70		743		63			12			888
Income before taxes		269		7,755		(31	)		(279	)		7,714
Income taxes		94		2,100		(10	)		(180	)		2,004
Net Income	$	175	$	5,655	$	(21	)	$	(99	)	$	5,710

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment			Eliminations and Others			Consolidated Totals
For Six Months Ended June 30, 2017
Net interest income	$	52	$	35,895	$	0		$	(43	)	$	35,904
Provision for loan losses		0		2,000		0			0			2,000
Service fees, security gains and other noninterest income		3,257		7,921		912			(148	)		11,942
Noninterest expense		2,465		25,194		739			212			28,610
Amortization and depreciation expense		139		1,478		126			24			1,767
Income before taxes		705		15,144		47			(427	)		15,469
Income taxes		246		4,037		17			(324	)		3,976
Net Income	$	459	$	11,107	$	30		$	(103	)	$	11,493

The Bank segment includes Farmers National Insurance and Farmers of Canfield Investment Co.