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
September 30, 2018
Goodwill and other intangibles	$	4,256	$	38,364	$	2,507	$	(822	)	$	44,305
Total assets	$	11,034	$	2,273,904	$	3,079	$	4,661		$	2,292,678

(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 September 30, 2018
Net interest income	$	39	$	19,906	$	0	$	(26	)	$	19,919
Provision for loan losses		0		950		0		0			950
Service fees, security gains and other noninterest income		1,862		4,235		470		(89	)		6,478
Noninterest expense		1,208		13,611		344		276			15,439
Amortization and depreciation expense		62		617		49		13			741
Income before taxes		631		8,963		77		(404	)		9,267
Income taxes		132		1,136		16		(101	)		1,183
Net income	$	499	$	7,827	$	61	$	(303	)	$	8,084

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Nine Months Ended September 30, 2018
Net interest income	$	104	$	58,390	$	0	$	(67	)	$	58,427
Provision for loan losses		0		2,475		0		0			2,475
Service fees, security gains and other noninterest income		5,484		12,210		1,314		(214	)		18,794
Noninterest expense		3,640		39,047		1,045		761			44,493
Amortization and depreciation expense		187		1,866		150		38			2,241
Income before taxes		1,761		27,212		119		(1,080	)		28,012
Income taxes		370		4,080		25		(346	)		4,129
Net income	$	1,391	$	23,132	$	94	$	(734	)	$	23,883

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Three Months Ended September 30, 2017
Net interest income	$	29	$	18,667	$	0	$	(21	)	$	18,675
Provision for loan losses		0		950		0		0			950
Service fees, security gains and other noninterest income		1,638		3,974		480		(34	)		6,058
Noninterest expense		1,154		13,110		343		319			14,926
Amortization and depreciation expense		69		718		65		13			865
Income before taxes		444		7,863		72		(387	)		7,992
Income taxes		156		2,031		25		(203	)		2,009
Net income	$	288	$	5,832	$	47	$	(184	)	$	5,983

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Nine Months Ended September 30, 2017
Net interest income	$	81	$	54,562	$	0	$	(64	)	$	54,579
Provision for loan losses		0		2,950		0		0			2,950
Service fees, security gains and other noninterest income		4,895		11,895		1,392		(182	)		18,000
Noninterest expense		3,619		38,304		1,082		531			43,536
Amortization and depreciation expense		208		2,196		191		37			2,632
Income before taxes		1,149		23,007		119		(814	)		23,461
Income taxes		402		6,068		42		(527	)		5,985
Net income	$	747	$	16,939	$	77	$	(287	)	$	17,476

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