F.N.B. (FNB) 8-K F.N.B. Corporation Reports Third Quarter 2005 Results

Exhibit 99.1

F.N.B. CORPORATION REPORTS
THIRD QUARTER 2005 RESULTS

Hermitage, PA – October 20, 2005 – F.N.B. Corporation (NYSE: FNB), a diversified financial services company headquartered in western Pennsylvania, today reported third quarter 2005 net income of $18.1 million, or $.32 per diluted share. These results compare to $17.5 million, or $.31 per diluted share, for the second quarter of 2005 and $14.7 million, or $.31 per diluted share, for the third quarter of 2004. The Corporation’s return on equity for the third quarter of 2005 was 15.5%, its return on tangible equity was 29.8% and its return on assets was 1.26%.

“These third quarter results are particularly gratifying considering the difficulties created by a flattening yield curve, and reflect positively on the abilities of our staff and management,” said Stephen Gurgovits, President and Chief Executive Officer of F.N.B. Corporation. “We attribute these results primarily to continued loan growth, increases in fee income, and reduced non-interest expenses over last quarter”.

Year-to-date through September 30, 2005 the Corporation recorded net income of $50.5 million, or $.90 per diluted share, compared to $46.0 million, or $.98 per diluted share, for the same period in 2004. In the first nine months of 2005, the Corporation recorded merger related costs totaling $656 thousand after-tax, or $.01 per diluted share, associated with the acquisition of NSD Bancorp Inc. (NSD) in Pittsburgh. In the same period 2004, the Corporation’s net income included a $2.7 million after-tax gain on the sale of branches and $1.8 million of after-tax non-interest income from Sun Bancorp Inc. (Sun), which a third party acquired in late 2004. These items accounted for after-tax income totaling $.10 per diluted share through the end of the third quarter of 2004.

Interest income, on a fully tax equivalent basis, was up 2.3% in the third quarter 2005 compared to the previous quarter and 19.0% over the same period last year. Average loans increased 4.0%, annualized, on a linked quarter basis and 16.0% over the third quarter of 2004. The yield on earning assets also increased four basis points over the second quarter of 2005.

“While the third quarter’s loan growth rate, absent acquisitions, is typical in our corner of the world,” noted Gurgovits, “we are looking forward to capitalizing on future growth opportunities in our new Pittsburgh markets under the leadership of Vince Delie, who recently joined F.N.B. as President and CEO of the Pittsburgh Region. Delie has spent nearly 20 years of his career in Pittsburgh, and brings a wealth of local market knowledge and business contacts to the bank. As we have indicated before, Pittsburgh is our primary focus for market expansion.”

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F.N.B. Corporation Page 2 of 4

“We expect to achieve additional loan growth from the recently announced commercial loan production and consumer mortgage origination offices in Florida,” continued Gurgovits. “The Corporation’s previous experience in the Florida market has led to an alliance with several seasoned senior lenders, formerly affiliated with F.N.B., who will manage the Florida offices for the Company. This strategy will complement our strong desire for quality commercial loans, as well as provide valuable fee income from the mortgage origination business.”

Offsetting the increase in interest income was a 15 basis-point increase in the cost of funds compared to the previous quarter. This increase is attributable to competitive pricing pressures and disintermediation in the deposit base related to rising short term interest rates. Average deposits declined slightly in the quarter in response to customers’ preference for higher rates in the marketplace. The net interest margin for the third quarter was 3.77%, a decrease of 10 basis points from the second quarter of 2005.

Year-to-date, net-interest income on a fully tax equivalent basis increased 12.7% over the same period last year primarily due to increased earning assets and interest bearing liabilities as a result of the acquisitions completed in late 2004 and early 2005. The Corporation’s net interest margin in the first nine months of 2005 was 3.87%, a decrease of 10 basis points from same period last year.

Non-interest income for the third quarter of 2005 was $18.8 million, up 2.5% from last quarter and equal to the same period last year. The linked quarter increase is primarily attributable to a 5.7% rise in service charges. The remaining fee income items were relatively flat quarter-over-quarter. Other income was down 53% versus the same period last year due to the reduced income associated with Sun.

On a year-to-date basis, non-interest income was up 10.9% over the same period last year, excluding the branch sale gain and Sun-related income recorded in 2004. This increase is primarily due to the acquisitions of Slippery Rock Financial Corporation, NSD and the Morrell, Butz and Junker Insurance Agency. Non-interest income has remained level at 28% of total revenue for the first nine months of 2005.

Non-interest expense for the third quarter of 2005 totaled $38.0 million, compared to $38.2 million in the previous quarter and $35.9 million for the same period last year. Expense reductions from last quarter were realized as a result of reduced personnel expense. The efficiency ratio was 55.3% in the third quarter of 2005, consistent with the previous quarter and a notable improvement from the 57.5% realized in the same period last year.

On a year-to-date basis, non-interest expense, excluding merger-related costs, was $115.5 million compared to $104.0 million for the same period last year. This increase is

F.N.B. Corporation Page 3 of 4

principally attributable to the acquisitions completed in the fourth quarter of 2004 and the first quarter of 2005.

Income tax expense was reduced $1.1 million on a linked quarter basis primarily due to the successful resolution of an uncertain tax position in the current period.

The provision for loan losses was $3.4 million in the third quarter of 2005, compared to $2.7 million in the prior quarter. At September 30, 2005 the allowance for loan losses was 1.34% of total loans and 1.7 times non-performing loans, equaling last quarter’s measures.

Annualized net charge-offs for the third quarter of 2005 were 36 basis points of average loans, better than the 56 basis points for the second quarter of 2005 and 43 basis points for the third quarter of 2004. Non-performing loans to total loans were 78 basis points for the third quarter of 2005, improving from the 81 basis points in both the third quarter last year and on a sequential quarter basis. Non-performing assets as a percent of total assets showed similar improvement.

Shareholders’ equity at September 30, 2005 was $467 million. The Corporation’s leverage capital ratio was 7.0% and the tangible capital ratio was 4.7% at the end of the quarter. The Corporation continues to maintain “well capitalized” ratios for federal bank regulatory purposes.

On October 7, 2005 F.N.B. completed the acquisition of North East Bancshares, Inc., a $68 million financial services company that operates four banking and lending offices in Erie County, PA.

On October 19, 2005 the Board of Directors voted to increase the normal quarterly cash dividend on its common stock to 23.5 cents per share. This increase represents a dividend of 94 cents per share on an annualized basis and equates to a dividend yield of 5.44% based on yesterday’s closing price of $17.28 per share. This dividend yield places F.N.B. at the top of its peer group of similarly sized bank holding companies across the U.S. Further, this is the 33^rd consecutive year that F.N.B. Corporation has increased its dividend. The dividend is payable on December 15, 2005 to shareholders of record on December 1, 2005.

The Corporation will host a conference call on Friday, October 21, 2005 at 11:00 a.m. (EDT) to discuss third quarter 2005 results. Interested parties may access the conference call by dialing 1-800-346-7359 with the entry code 3044. Replays of the call will be available until October 29, 2005 by calling 1-800-332-6854 and using the above entry code, 3044. A transcript of the conference call will also be available on the Corporation’s web site,http://www.fnbcorporation.com.

F.N.B. Corporation Page 4 of 4

About F.N.B. Corporation:

F.N.B. Corporation, headquartered in Hermitage, PA, has total assets of $5.7 billion. F.N.B. is a leading provider of banking, wealth management, insurance and consumer finance services in western Pennsylvania and eastern Ohio, where it owns and operates First National Bank of Pennsylvania, First National Trust Company, First National Investment Services Company, LLC, F.N.B. Investment Advisors, Inc., First National Insurance Agency, LLC, and Regency Finance Company. It also operates consumer finance offices in Tennessee, as well as commercial and mortgage loan production offices in Florida.

Mergent Inc., a leading provider of business and financial information on publicly traded companies, has recognized F.N.B. as a Dividend Achiever. This annual recognition is based on the Corporation’s outstanding record of increased dividend performance. The Corporation has consistently increased dividend payments for 33 consecutive years.

The common stock of F.N.B. Corporation trades on the New York Stock Exchange under the symbol FNB. Investor information is available on F.N.B.’s website athttp://www.fnbcorporation.com.

This press release of F.N.B. Corporation and the reports F.N.B. Corporation files with the Securities and Exchange Commission often contain “forward-looking statements” relating to present or future trends or factors affecting the banking industry and specifically the financial operations, markets and products of F.N.B. Corporation. These forward-looking statements involve certain risks and uncertainties. There are a number of important factors that could cause F.N.B. Corporation’s future results to differ materially from historical performance or projected performance. These factors include, but are not limited to: (1) a significant increase in competitive pressures among depository institutions; (2) changes in the interest rate environment that may reduce interest margins; (3) changes in prepayment speeds, loan sale volumes, charge-offs and loan loss provisions; (4) less favorable than expected general economic conditions; (5) legislative or regulatory changes that may adversely affect the businesses in which F.N.B. Corporation is engaged; (6) changes in the securities markets; or (7) risk factors mentioned in the reports and registration statements F.N.B. Corporation files with the Securities and Exchange Commission. F.N.B. Corporation undertakes no obligation to release revisions to these forward-looking statements or to reflect events or circumstances after the date of this release.

# # #

Media Contact:
Kathryn Lima 724-981-4318
724-301-6984 (cell)

Analysts/Institutional Investor Contact:
John Waters 239-514-2643
239-272-6495 (cell)

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands, except per share data)

										3rd Qtr 2005 -		3rd Qtr 2005 -
	2005						2004			2nd Qtr 2005		3rd Qtr 2004
	Third			Second			Third			Percent		Percent
	Quarter			Quarter			Quarter			Variance		Variance
Statement of earnings
Interest income – taxable equivalent basis	$	76,816		$	75,084		$	64,536			2.3		19.0
Interest income	$	75,918		$	74,213		$	63,950			2.3		18.7
Interest expense		28,555			26,335			21,883			8.4		30.5
Net interest income		47,363			47,878			42,067			-1.1		12.6
Provision for loan losses		3,448			2,686			3,570			28.4		-3.4
Net interest income after provision		43,915			45,192			38,497			-2.8		14.1
Service charges		10,528			9,960			8,676			5.7		21.3
Insurance commissions and fees		3,090			3,127			3,257			-1.2		-5.1
Securities commissions and fees		1,020			1,095			1,069			-6.8		-4.6
Trust income		1,752			1,756			1,693			-0.2		3.4
Gain (loss) on sale of securities		431			564			470			-23.5		-8.3
Gain on sale of loans		442			295			365			49.5		21.0
Gain on sale of branches		0			0			0			n/m		n/m
Other		1,528			1,533			3,261			-0.3		-53.1
Total non-interest income		18,791			18,330			18,791			2.5		0.0
Salaries and employee benefits		19,335			19,735			18,117			-2.0		6.7
Occupancy and equipment		6,353			6,376			6,124			-0.4		3.7
Amortization of intangibles		918			951			576			-3.4		59.5
Other		11,392			11,157			11,085			2.1		2.8
Total non-interest expense		37,998			38,219			35,902			-0.6		5.8
Income before income taxes		24,708			25,303			21,386			-2.3		15.5
Income taxes		6,622			7,762			6,690			-14.7		-1.0
Net income	$	18,086		$	17,541		$	14,696			3.1		23.1
Earnings per share
Basic	$	0.32		$	0.31		$	0.32			3.2		0.0
Diluted	$	0.32		$	0.31		$	0.31			3.2		3.2
Performance ratios
Return on average equity		15.54	%		15.39	%		23.68	%
Return on tangible equity (1)		29.80	%		30.22	%		29.56	%
Return on average assets		1.26	%		1.25	%		1.23	%
Net interest margin (FTE)		3.77	%		3.87	%		3.88	%
Yield on earning assets (FTE)		6.00	%		5.96	%		5.88	%
Cost of funds		2.53	%		2.38	%		2.27	%
Efficiency ratio (FTE) (2)		55.30	%		55.56	%		57.49	%
Common stock data
Average basic shares outstanding		56,426,087			56,275,414			46,537,841			0.3		21.2
Average diluted shares outstanding		57,100,376			57,002,404			47,353,352			0.2		20.6
Ending shares outstanding		56,520,245			56,293,407			46,696,666			0.4		21.0
Book value per common share	$	8.26		$	8.17		$	5.56			1.2		48.7
Tangible book value per common share	$	4.55		$	4.36		$	4.55			4.4		-0.2
Dividend payout ratio		71.79	%		73.76	%		73.14	%

(1)	Return on tangible equity is calculated by dividing net income less amortization of intangibles by average equity less average intangibles.
(2)	The efficiency ratio is calculated by dividing non-interest expense less amortization of intangibles by the sum of net interest income on a fully taxable equivalent basis plus non-interest income.

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands, except per share data)

	For the Nine Months
	Ended September 30,						Percent
	2005			2004			Variance
Statement of earnings
Interest income – taxable equivalent basis	$	222,080		$	189,222			17.4
Interest income	$	219,531		$	187,442			17.1
Interest expense		78,380			61,702			27.0
Net interest income		141,151			125,740			12.3
Provision for loan losses		8,465			11,812			-28.3
Net interest income after provision		132,686			113,928			16.5
Service charges		29,542			25,239			17.1
Insurance commissions and fees		9,986			8,161			22.4
Securities commissions and fees		3,519			3,601			-2.3
Trust income		5,413			5,242			3.3
Gain (loss) on sale of securities		1,602			1,437			11.5
Gain on sale of loans		1,051			1,447			-27.4
Gain on sale of branches		0			4,135			n/m
Other		4,422			7,678			-42.4
Total non-interest income		55,537			56,940			-2.5
Salaries and employee benefits		60,253			53,411			12.8
Occupancy and equipment		19,246			17,816			8.0
Amortization of intangibles		2,729			1,614			69.1
Other		34,327			31,129			10.3
Total non-interest expense		116,555			103,970			12.1
Income before income taxes		71,668			66,898			7.1
Income taxes		21,131			20,915			1.0
Net income	$	50,537		$	45,983			9.9
Earnings per share
Basic	$	0.91		$	0.99			-8.1
Diluted	$	0.90		$	0.98			-8.2
Performance ratios
Return on average equity		15.55	%		25.24	%
Return on tangible equity (1)		29.01	%		30.91	%
Return on average assets		1.22	%		1.31	%
Net interest margin (FTE)		3.87	%		3.97	%
Yield on earning assets (FTE)		5.98	%		5.89	%
Cost of funds		2.40	%		2.18	%
Efficiency ratio (FTE) (2)		57.13	%		55.49	%
Common stock data
Average basic shares outstanding		55,260,092			46,326,420			19.3
Average diluted shares outstanding		55,981,612			47,155,413			18.7
Ending shares outstanding		56,520,245			46,696,666			21.0
Book value per common share	$	8.26		$	5.56			48.7
Tangible book value per common share	$	4.55		$	4.55			-0.2
Dividend payout ratio		76.91	%		69.60	%

(1)	Return on tangible equity is calculated by dividing net income less amortization of intangibles by average equity less average intangibles.
(2)	The efficiency ratio is calculated by dividing non-interest expense less amortization of intangibles by the sum of net interest income on a fully taxable equivalent basis plus non-interest income.

F.N.B. CORPORATION

(Unaudited)
(Dollars in thousands)

										3rd Qtr 2005 -		3rd Qtr 2005 -
	2005						2004			2nd Qtr 2005		3rd Qtr 2004
	Third			Second			Third			Percent		Percent
	Quarter			Quarter			Quarter			Variance		Variance
Average balances
Total assets	$	5,684,747		$	5,649,748		$	4,753,309			0.6		19.6
Earning assets		5,082,328			5,050,784			4,369,650			0.6		16.3
Securities		1,333,758			1,340,898			1,138,835			-0.5		17.1
Loans, net of unearned income		3,746,130			3,708,608			3,229,363			1.0		16.0
Allowance for loan losses		50,921			52,953			46,960			-3.8		8.4
Goodwill and intangibles		213,102			216,288			44,069			-1.5		383.6
Deposits and repurchase agreements		4,113,936			4,136,397			3,530,894			-0.5		16.5
Short-term borrowings		311,896			288,477			219,532			8.1		42.1
Long-term debt		598,188			566,481			562,940			5.6		6.3
Trust preferred securities		128,866			128,866			128,866			0.0		0.0
Shareholders’ equity		461,802			457,280			246,860			1.0		87.1
Asset quality data
Non-accrual loans	$	24,017		$	24,760		$	20,496			-3.0		17.2
Restructured loans		5,109			5,547			5,741			-7.9		-11.0
Non-performing loans		29,126			30,307			26,237			-3.9		11.0
Other real estate owned		5,907			6,510			4,507			-9.3		31.1
Non-performing assets	$	35,033		$	36,817		$	30,744			-4.8		14.0
Net loan charge-offs	$	3,387		$	5,187		$	3,518			-34.7		-3.7
Allowance for loan losses		50,258			50,197			46,151			0.1		8.9
Non-performing loans / total loans		0.78	%		0.81	%		0.81	%
Non-performing assets / total assets		0.61	%		0.65	%		0.65	%
Allowance for loan losses / total loans		1.34	%		1.34	%		1.43	%
Allowance for loan losses / non-performing loans		172.55	%		165.63	%		175.90	%
Net loan charge-offs (annualized) / average loans		0.36	%		0.56	%		0.43	%
Balances at period end
Total assets	$	5,703,659		$	5,701,883		$	4,733,542			0.0		20.5
Earning assets		5,094,183			5,091,150			4,365,397			0.1		16.7
Securities		1,333,477			1,337,373			1,140,431			-0.3		16.9
Loans, net of unearned income		3,754,861			3,746,569			3,219,735			0.2		16.6
Goodwill and intangibles		209,983			214,615			46,839			-2.2		348.3
Deposits and repurchase agreements		4,099,796			4,131,747			3,558,619			-0.8		15.2
Short-term borrowings		346,350			318,413			211,737			8.8		63.6
Long-term debt		597,979			598,590			510,247			-0.1		17.2
Trust preferred securities		128,866			128,866			128,866			0.0		0.0
Shareholders’ equity		467,028			459,819			259,529			1.6		80.0
Capital ratios
Equity/assets (period end)		8.19	%		8.06	%		5.48	%
Leverage ratio		7.01	%		6.81	%		6.13	%
Tangible equity/tangible assets (period end)		4.68	%		4.47	%		4.54	%

F.N.B. CORPORATION

(Unaudited)
(Dollars in thousands)

	For the Nine Months
	Ended September 30,						Percent
	2005			2004			Variance
Average balances
Total assets	$	5,532,847		$	4,674,151			18.4
Earning assets		4,961,961			4,290,953			15.6
Securities		1,306,343			1,048,151			24.6
Loans, net of unearned income		3,653,881			3,241,571			12.7
Allowance for loan losses		52,170			47,161			10.6
Goodwill and intangibles		193,444			40,097			382.4
Deposits and repurchase agreements		4,046,917			3,495,547			15.8
Short-term borrowings		282,619			239,977			17.8
Long-term debt		566,242			499,115			13.4
Trust preferred securities		128,866			128,866			0.0
Shareholders’ equity		434,539			243,349			78.6
Asset quality data
Non-accrual loans	$	24,017		$	20,496			17.2
Restructured loans		5,109			5,741			-11.0
Non-performing loans		29,126			26,237			11.0
Other real estate owned		5,907			4,507			31.1
Non-performing assets	$	35,033		$	30,744			14.0
Net loan charge-offs	$	12,296		$	11,746			4.7
Allowance for loan losses		50,258			46,151			8.9
Non-performing loans / total loans		0.78	%		0.81	%
Non-performing assets / total assets		0.61	%		0.65	%
Allowance for loan losses / total loans		1.34	%		1.43	%
Allowance for loan losses / non-performing loans		172.55	%		175.90	%
Net loan charge-offs (annualized) / average loans		0.45	%		0.48	%
Balances at period end
Total assets	$	5,703,659		$	4,733,542			20.5
Earning assets		5,094,183			4,365,397			16.7
Securities		1,333,477			1,140,431			16.9
Loans, net of unearned income		3,754,861			3,219,735			16.6
Goodwill and intangibles		209,983			46,839			348.3
Deposits and repurchase agreements		4,099,796			3,558,619			15.2
Short-term borrowings		346,350			211,737			63.6
Long-term debt		597,979			510,247			17.2
Trust preferred securities		128,866			128,866			0.0
Shareholders’ equity		467,028			259,529			80.0
Capital ratios
Equity/assets (period end)		8.19	%		5.48	%
Leverage ratio		7.01	%		6.13	%
Tangible equity/tangible assets (period end)		4.68	%		4.54	%

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)

							3rd Qtr 2005 -		3rd Qtr 2005 -
	2005				2004		2nd Qtr 2005		3rd Qtr 2004
	Third		Second		Third		Percent		Percent
	Quarter		Quarter		Quarter		Variance		Variance
Average balances
Loans:
Commercial	$	1,573,478	$	1,561,741	$	1,323,215		0.8		18.9
Direct installment		890,003		887,185		797,095		0.3		11.7
Consumer LOC		262,229		257,836		238,357		1.7		10.0
Residential mortgages		507,548		503,209		439,543		0.9		15.5
Indirect installment		505,425		490,073		416,411		3.1		21.4
Lease financing		2,679		3,546		7,570		-24.5		-64.6
Other		4,769		5,018		7,173		-5.0		-33.5
Total loans	$	3,746,130	$	3,708,608	$	3,229,363		1.0		16.0
Deposits:
Non-interest bearing deposits	$	671,712	$	675,449	$	607,352		-0.6		10.6
Savings and NOW		1,661,443		1,695,124		1,468,351		-2.0		13.2
Certificates of deposit and other time deposits		1,601,013		1,591,696		1,325,421		0.6		20.8
Total deposits		3,934,168		3,962,269		3,401,124		-0.7		15.7
Customer repurchase agreements		179,769		174,128		129,770		3.2		38.5
Total deposits and repurchase agreements	$	4,113,936	$	4,136,397	$	3,530,894		-0.5		16.5
Balances at period end
Loans:
Commercial	$	1,586,839	$	1,579,076	$	1,336,979		0.5		18.7
Direct installment		889,539		893,677		795,394		-0.5		11.8
Consumer LOC		263,070		259,993		241,122		1.2		9.1
Residential mortgages		498,192		508,606		429,846		-2.0		15.9
Indirect installment		511,914		496,174		407,809		3.2		25.5
Lease financing		2,144		2,994		5,865		-28.4		-63.5
Other		3,163		6,049		2,719		-47.7		16.3
Total loans	$	3,754,861	$	3,746,569	$	3,219,735		0.2		16.6
Deposits:
Non-interest bearing deposits	$	662,844	$	672,549	$	612,347		-1.4		8.2
Savings and NOW		1,646,733		1,683,657		1,495,621		-2.2		10.1
Certificates of deposit and other time deposits		1,612,643		1,603,114		1,316,509		0.6		22.5
Total deposits		3,922,220		3,959,320		3,424,477		-0.9		14.5
Customer repurchase agreements		177,576		172,427		134,143		3.0		32.4
Total deposits and repurchase agreements	$	4,099,796	$	4,131,747	$	3,558,619		-0.8		15.2

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)

	For the Nine Months
	Ended September 30,				Percent
	2005		2004		Variance
Average balances
Loans:
Commercial	$	1,543,580	$	1,320,642		16.9
Direct installment		869,020		782,347		11.1
Consumer LOC		257,404		233,140		10.4
Residential mortgages		500,340		458,472		9.1
Indirect installment		476,307		423,682		12.4
Lease financing		3,128		10,935		-71.4
Other		4,102		12,353		-66.8
Total loans	$	3,653,881	$	3,241,571		12.7
Deposits:
Non-interest bearing deposits	$	658,625	$	590,137		11.6
Savings and NOW		1,663,577		1,464,587		13.6
Certificates of deposit and other time deposits		1,548,604		1,315,743		17.7
Total deposits		3,870,806		3,370,467		14.8
Customer repurchase agreements		176,112		125,080		40.8
Total deposits and repurchase agreements	$	4,046,917	$	3,495,547		15.8
Balances at period end
Loans:
Commercial	$	1,586,839	$	1,336,979		18.7
Direct installment		889,539		795,394		11.8
Consumer LOC		263,070		241,122		9.1
Residential mortgages		498,192		429,846		15.9
Indirect installment		511,914		407,809		25.5
Lease financing		2,144		5,865		-63.5
Other		3,163		2,719		16.3
Total loans	$	3,754,861	$	3,219,735		16.6
Deposits:
Non-interest bearing deposits	$	662,844	$	612,347		8.2
Savings and NOW		1,646,733		1,495,621		10.1
Certificates of deposit and other time deposits		1,612,643		1,316,509		22.5
Total deposits		3,922,220		3,424,477		14.5
Customer repurchase agreements		177,576		134,143		32.4
Total deposits and repurchase agreements	$	4,099,796	$	3,558,619		15.2