F.N.B. (FNB) 8-K F.N.B. Corporation Reports Second Quarter 2006 Results

Exhibit 99.1

F.N.B. CORPORATION REPORTS
SECOND QUARTER 2006 RESULTS

Hermitage, PA – July 20, 2006 – F.N.B. Corporation (NYSE: FNB), a diversified financial services company, today reported second quarter 2006 net income of $16.6 million, or $.28 per diluted share. These results compare to $15.8 million, or $.27 per diluted share, for the first quarter of 2006 and $17.5 million, or $.31 per diluted share, for the same period last year. The Corporation’s return on equity for the second quarter of 2006 was 13.4%, its return on tangible equity was 26.6% and its return on assets was 1.15%.

“The second quarter was an extremely active one at F.N.B. In addition to completing our acquisition of The Legacy Bank, which positions us for further growth in the attractive Harrisburg, PA market, we also experienced excellent progress as a result of our growth initiatives in Pittsburgh and Florida,” said Stephen Gurgovits, F.N.B. Corporation President and Chief Executive Officer. “Overall, we had an excellent quarter, and delivered a financial performance that met our expectations.”

For the six months ended June 30, 2006, the Corporation posted net income of $32.4 million, or $.56 per diluted share, compared to $32.5 million, or $.59 per diluted share, for the same period in 2005. The Corporation’s return on equity for the six months ended June 30, 2006 was 13.4%, its return on tangible equity was 26.0% and its return on assets was 1.15%.

Fully tax equivalent net interest income for the second quarter of 2006 was up 1.9% on a sequential quarter basis but 1.3% below the same period last year. Average loans were up 4.9% on a linked quarter basis. In spite of a flat yield curve, the yield on earning assets was up 18 basis points compared to the previous quarter. Offsetting the increase in interest income was a 29 basis-point increase in the cost of funds reflecting competitive pricing pressures and a change in the mix of deposits due to customer preferences. The net interest margin for the second quarter was 3.73%, a decrease of 9 basis points from the first quarter of 2006.

“It should be noted,” said Gurgovits, “that our organic loan growth, before the impact of the Legacy Bank merger, represented an 8.4% annualized growth rate in total loans over the prior quarter end with commercial loans providing the largest percentage increase at 18.4%.”

Year-to-date, net interest income on a fully tax equivalent basis was flat compared to the same period last year, reflecting the rise in the cost of funds. The Corporation’s net interest margin in the first half of 2006 was 3.77%, narrower than the 3.92% in the same period last year.

Non-interest income for the second quarter of 2006 totaled $20.8 million, representing an increase of 3.4% compared to the prior quarter and 10.6% versus the same period

Page 1 of 4

last year. Service charges on loans and deposits were up $464 thousand, or 4.6%, on a linked quarter basis reflecting cyclical trends. Insurance commissions were down $861 thousand from the previous quarter due to a reduction in contingent fees, which are primarily earned in the first quarter of each year. Retail securities commissions and fees grew $361 thousand, or 38.1%, in the second quarter of 2006 versus the first quarter of 2006 as alternative investments became more attractive to our customers. In addition, the Corporation realized an $894 thousand gain on the settlement of an impaired loan acquired in a previous merger.

Year-to-date non-interest income totaled $40.9 million, compared to $37.5 million in the same period last year. This 8.9% increase is principally due to the acquisitions completed in 2005. Non-interest income was 30% of net revenue in the first six months of 2006.

Non-interest expense for the second quarter of 2006 totaled $41.2 million, compared to $40.3 million in the previous quarter and $38.2 million for the same period last year. The second quarter of 2006 included $1.0 million in costs associated with The Legacy Bank of which $0.5 million were merger-related costs. Absent the impact of Legacy, expenses would have been flat on a sequential quarter basis reflecting continued efforts in expense control. The efficiency ratio was 58.7% in the second quarter of 2006.

On a year-to-date basis, non-interest expense was $81.4 million compared to $78.6 million for the first half of last year. This 3.6% increase is primarily attributable to the previously referenced acquisitions completed in 2005 and the second quarter of 2006.

Asset quality remained at strong levels in the second quarter of 2006. Annualized net charge-offs for the second quarter of 2006 improved to 27 basis points of average loans, compared to 56 basis points for the second quarter of 2005 and 37 basis points in the first quarter of 2006. Non-performing loans to total loans were 74 basis points for the second quarter of 2006, representing improvements from 81 basis points in both the second quarter last year and on a sequential quarter basis. As a result of these improving asset quality trends, the Corporation reduced its provision for loan losses to $2.5 million for the second quarter of 2006, compared to $3.0 million in the first quarter of 2006 and $2.7 million in the second quarter of 2005. On June 30, 2006, the allowance for loan losses was 1.26% of total loans and constituted 1.70 times non-performing loans versus 1.66 times at the same date last year.

Shareholders’ equity at June 30, 2006 was $535 million. The Corporation’s leverage capital ratio was 7.4% and its tangible capital ratio was 4.6% at the end of the quarter. Adjusting average assets for the Legacy acquisition would result in a leverage capital ratio of 7.1% at quarter end. The Corporation continues to maintain “well capitalized” ratios for federal bank regulatory purposes.

In May, F.N.B. completed its acquisition of The Legacy Bank in Harrisburg PA, and successfully integrated its operations into First National Bank. George Groves, Chairman and Chief Executive Officer of The Legacy Bank and a veteran of bank

Page 2 of 4

mergers, noted, “The planning for and execution of the systems conversion was the best that I have experienced throughout my career.” The Legacy Bank was recognized as the Small Business Administration’s (SBA) 2006 National Small 7(a) U.S. Lender of the Year. This SBA program is the agency’s primary financial assistance instrument for loan guaranties to help qualified entrepreneurs. Legacy was judged the best among its peers nationally in the areas of community involvement, customer service and loan growth.

The Corporation held its Annual Meeting on May 17, 2006 at Thiel College in Greenville, PA. Shareholders re-elected Robert B. Goldstein, David J. Malone, William J. Strimbu and Archie O. Wallace to the Board of Directors.

In June, Dawne S. Hickton joined the Board of Directors of F.N.B. Corporation. Mrs. Hickton is Senior Vice President and Chief Administrative Officer for RTI International Metals, a NYSE-listed manufacturing and distribution company. A resident of Pittsburgh, she was previously a Professor of Law at the University of Pittsburgh and a trial attorney for USX Corporation.

At its July meeting, the Board of Directors elected Arthur J. Rooney II as a Director of F.N.B. Corporation. Mr. Rooney is President of the Pittsburgh Steelers professional football organization.

“We welcome these new Directors to our Board and will benefit from the wealth of business experience they bring,” said Gurgovits. “They also bring in-depth knowledge of the greater Pittsburgh market that will assist us in better serving that region.”

First National Bank of Pennsylvania, the largest subsidiary of F.N.B. Corporation, has recently opened a new office in downtown Pittsburgh. Centrally located at One Oliver Plaza on Sixth Avenue, near the growing Cultural District, the branch is positioned to offer a higher level of service to the Bank’s corporate clients based in downtown Pittsburgh.

On June 30, the Corporation announced the creation of a Succession Committee to begin the process of selecting a replacement for Gurgovits, who has announced plans to transition from full-time responsibilities to a consulting role at the end of 2008. Gurgovits will remain with the Corporation as a member of the Board of Directors and as Chairman of the Board of First National Bank. The timing of this announcement provides the Board with over two years in which to identify the next Chief Executive Officer and assure a seamless transition.

In other news, First National Bank doubled its presence in the Florida market by opening its third and fourth loan production offices in Ft. Myers and Naples; and F.N.B. Capital Corporation closed its first major transaction with the funding of the employee purchase of AlturnaMATS, Inc. F.N.B. Capital Corporation offers mezzanine and equity investments to supplement and/or enhance traditional bank financing options.

Page 3 of 4

The Corporation will host a conference call on Friday, July 21, 2006 at 11:00 a.m. (EDT) to discuss second quarter 2006 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 July 28, 2006 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.

About F.N.B. Corporation:

F.N.B. Corporation, headquartered in Hermitage, PA has total assets of $6.1 billion. F.N.B. is a leading provider of banking, wealth management, insurance, merchant banking and consumer finance services in Pennsylvania and Ohio, where it owns and operates First National Bank of Pennsylvania, including its Legacy Bank and Legacy Trust Company Divisions, First National Trust Company, First National Investment Services Company, LLC, F.N.B. Investment Advisors, Inc., First National Insurance Agency, LLC, F.N.B. Capital Corporation, LLC, and Regency Finance Company. It also operates consumer finance offices in Tennessee and loan production offices in Florida.

Mergent Inc., a leading provider of business and financial information about publicly traded companies, has recognized F.N.B. Corporation 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 239-272-6495 (cell)

DATA SHEETS FOLLOW

Page 4 of 4

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

										2nd Qtr 2006 -		2nd Qtr 2006 -
	2006						2005			1st Qtr 2006		2nd Qtr 2005
	Second			First			Second			Percent		Percent
	Quarter			Quarter			Quarter			Variance		Variance
Statement of earnings
Interest income	$	83,465		$	77,621		$	73,749			7.5		13.2
Interest expense		36,772			31,802			26,335			15.6		39.6
Net interest income		46,693			45,819			47,414			1.9		-1.5
Taxable equivalent adjustment		955			962			872			-0.7		9.6
Net interest income (FTE)		47,648			46,781			48,286			1.9		-1.3
Provision for loan losses		2,497			2,958			2,686			-15.6		-7.0
Net interest income after provision (FTE)		45,151			43,823			45,600			3.0		-1.0
Service charges		10,634			10,170			9,960			4.6		6.8
Insurance commissions and fees		3,239			4,100			3,127			-21.0		3.6
Securities commissions and fees		1,308			947			1,095			38.1		19.5
Trust income		1,858			1,844			1,756			0.8		5.8
Gain (loss) on sale of securities		339			547			564			-38.1		-39.9
Gain on sale of loans		401			298			295			34.6		35.6
Other		3,005			2,203			1,997			36.4		50.4
Total non-interest income		20,784			20,109			18,794			3.4		10.6
Salaries and employee benefits		21,140			21,318			19,735			-0.8		7.1
Occupancy and equipment		6,756			6,678			6,376			1.2		6.0
Amortization of intangibles		1,029			931			951			10.5		8.2
Other		12,244			11,324			11,157			8.1		9.7
Total non-interest expense		41,169			40,251			38,219			2.3		7.7
Income before income taxes		24,766			23,681			26,175			4.6		-5.4
Taxable equivalent adjustment		955			962			872			-0.7		9.6
Income taxes		7,176			6,917			7,762			3.7		-7.5
Net income	$	16,635		$	15,802		$	17,541			5.3		-5.2
Earnings per share
Basic	$	0.29		$	0.28		$	0.31			0.0		-9.7
Diluted	$	0.28		$	0.27		$	0.31			3.7		-9.7
Performance ratios
Return on average equity		13.43	%		13.33	%		15.39	%
Return on tangible equity (1)		26.62	%		25.45	%		30.22	%
Return on average assets		1.15	%		1.14	%		1.25	%
Net interest margin (FTE)		3.73	%		3.82	%		3.87	%
Yield on earning assets (FTE)		6.60	%		6.42	%		5.98	%
Cost of funds		3.21	%		2.92	%		2.38	%
Efficiency ratio (FTE) (2)		58.66	%		58.78	%		55.56	%
Common stock data
Average basic shares outstanding		58,237,880			57,177,923			56,275,414			1.9		3.5
Average diluted shares outstanding		58,709,375			57,587,478			57,002,404			1.9		3.0
Ending shares outstanding		60,190,718			57,514,349			56,293,407			4.7		6.9
Book value per common share	$	8.88		$	8.37		$	8.17			6.1		8.7
Tangible book value per common share	$	4.44		$	4.56		$	4.36			-2.7		1.9
Dividend payout ratio		81.27	%		85.45	%		73.76	%

(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.
(3)	The leverage ratio for the quarter ended June 30, 2006 is calculated using period end assets instead of quarterly average assets to adjust for the Legacy acquisition.

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

	For the Six Months
	Ended June 30,						Percent
	2006			2005			Variance
Statement of earnings
Interest income	$	161,086		$	142,822			12.8
Interest expense		68,574			49,825			37.6
Net interest income		92,512			92,997			-0.5
Taxable equivalent adjustment		1,917			1,652			16.0
Net interest income (FTE)		94,429			94,649			-0.2
Provision for loan losses		5,455			5,017			8.7
Net interest income after provision (FTE)		88,974			89,632			-0.7
Service charges		20,804			19,014			9.4
Insurance commissions and fees		7,339			6,896			6.4
Securities commissions and fees		2,255			2,499			-9.7
Trust income		3,702			3,661			1.1
Gain (loss) on sale of securities		886			1,171			-24.3
Gain on sale of loans		699			609			14.8
Other		5,208			3,687			41.3
Total non-interest income		40,893			37,537			8.9
Salaries and employee benefits		42,458			40,918			3.8
Occupancy and equipment		13,434			12,893			4.2
Amortization of intangibles		1,960			1,811			8.2
Other		23,568			22,935			2.8
Total non-interest expense		81,420			78,557			3.6
Income before income taxes		48,447			48,612			-0.3
Taxable equivalent adjustment		1,917			1,652			16.0
Income taxes		14,093			14,509			-2.9
Net income	$	32,437		$	32,451			0.0
Earnings per share
Basic	$	0.56		$	0.59			-5.1
Diluted	$	0.56		$	0.59			-5.1
Performance ratios
Return on average equity		13.38	%		15.56	%
Return on tangible equity (1)		26.04	%		28.59	%
Return on average assets		1.15	%		1.20	%
Net interest margin (FTE)		3.77	%		3.92	%
Yield on earning assets (FTE)		6.51	%		5.98	%
Cost of funds		3.07	%		2.33	%
Efficiency ratio (FTE) (2)		58.72	%		58.06	%
Common stock data
Average basic shares outstanding		57,710,830			54,667,431			5.6
Average diluted shares outstanding		58,152,090			55,413,899			4.9
Ending shares outstanding		60,190,718			56,293,407			6.9
Book value per common share	$	8.88		$	8.17			8.7
Tangible book value per common share	$	4.44		$	4.36			1.9
Dividend payout ratio		83.31	%		79.76	%

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

											2nd Qtr 2006 -		2nd Qtr 2006 -
	2006							2005			1st Qtr 2006		2nd Qtr 2005
	Second			First				Second			Percent		Percent
	Quarter			Quarter				Quarter			Variance		Variance
Average balances
Total assets	$	5,807,974		$	5,599,172			$	5,649,748			3.7		2.8
Earning assets		5,126,673			4,943,623				5,005,347			3.7		2.4
Securities		1,124,129			1,147,955				1,295,460			-2.1		-13.2
Loans, net of unearned income		3,976,154			3,789,368				3,708,608			4.9		7.2
Allowance for loan losses		52,155			51,464				52,953			1.3		-1.5
Goodwill and intangibles		236,099			219,252				216,288			7.7		9.2
Deposits and repurchase agreements		4,403,600			4,216,877				4,136,397			4.4		6.5
Short-term borrowings		148,512			175,225				288,477			-15.2		-48.5
Long-term debt		548,843			534,061				566,481			2.8		-3.1
Trust preferred securities		137,878			128,866				128,866			7.0		7.0
Shareholders’ equity		496,820			480,671				457,280			3.4		8.6
Asset quality data
Non-accrual loans	$	26,331		$	25,918			$	24,760			1.6		6.3
Restructured loans		4,861			5,031				5,547			-3.4		-12.4
Non-performing loans		31,192			30,949				30,307			0.8		2.9
Other real estate owned		6,335			6,280				6,510			0.9		-2.7
Non-performing assets	$	37,527		$	37,229			$	36,817			0.8		1.9
Net loan charge-offs	$	2,679		$	3,487			$	5,187			-23.2		-48.4
Allowance for loan losses		53,041			50,178				50,197			5.7		5.7
Non-performing loans / total loans		0.74	%		0.81	%			0.81	%
Non-performing assets / total assets		0.62	%		0.66	%			0.65	%
Allowance for loan losses / total loans		1.26	%		1.31	%			1.34	%
Allowance for loan losses / non-performing loans		170.05	%		162.13	%			165.63	%
Net loan charge-offs (annualized) / average loans		0.27	%		0.37	%			0.56	%
Balances at period end							��
Total assets	$	6,072,739		$	5,631,413			$	5,701,883			7.8		6.5
Earning assets		5,331,851			4,968,263				5,042,209			7.3		5.7
Securities		1,115,535			1,131,937				1,288,432			-1.4		-13.4
Loans, net of unearned income		4,210,525			3,826,964				3,746,569			10.0		12.4
Goodwill and intangibles		267,446			218,820				214,615			22.2		24.6
Deposits and repurchase agreements		4,567,333			4,283,556				4,131,747			6.6		10.5
Short-term borrowings		195,952			145,226				318,413			34.9		-38.5
Long-term debt		562,460			533,378				598,590			5.5		-6.0
Trust preferred securities		151,031			128,866				128,866			17.2		17.2
Shareholders’ equity		534,580			481,264				459,819			11.1		16.3
Capital ratios
Equity/assets (period end)		8.80	%		8.55	%			8.06	%
Leverage ratio (3)		7.08	%		7.14	%			6.81	%
Tangible equity/tangible assets (period end)		4.60	%		4.85	%			4.47	%

F.N.B. CORPORATION

(Unaudited)

(Dollars in thousands)

	For the Six Months
	Ended June 30,						Percent
	2006			2005			Variance
Average balances
Total assets	$	5,704,150		$	5,455,823			4.6
Earning assets		5,035,654			4,857,904			3.7
Securities		1,135,976			1,249,532			-9.1
Loans, net of unearned income		3,883,277			3,606,992			7.7
Allowance for loan losses		51,811			52,805			-1.9
Goodwill and intangibles		227,722			183,453			24.1
Deposits and repurchase agreements		4,310,754			4,012,852			7.4
Short-term borrowings		161,795			267,739			-39.6
Long-term debt		541,493			550,189			-1.6
Trust preferred securities		133,397			128,866			3.5
Shareholders’ equity		488,790			420,681			16.2
Asset quality data
Non-accrual loans	$	26,331		$	24,760			6.3
Restructured loans		4,861			5,547			-12.4
Non-performing loans		31,192			30,307			2.9
Other real estate owned		6,335			6,510			-2.7
Non-performing assets	$	37,527		$	36,817			1.9
Net loan charge-offs	$	6,166		$	8,909			-30.8
Allowance for loan losses		53,041			50,197			5.7
Non-performing loans / total loans		0.74	%		0.81	%
Non-performing assets / total assets		0.62	%		0.65	%
Allowance for loan losses / total loans		1.26	%		1.34	%
Allowance for loan losses / non-performing loans		170.05	%		165.63	%
Net loan charge-offs (annualized) / average loans		0.32	%		0.50	%
Balances at period end
Total assets	$	6,072,739		$	5,701,883			6.5
Earning assets		5,331,851			5,042,209			5.7
Securities		1,115,535			1,288,432			-13.4
Loans, net of unearned income		4,210,525			3,746,569			12.4
Goodwill and intangibles		267,446			214,615			24.6
Deposits and repurchase agreements		4,567,333			4,131,747			10.5
Short-term borrowings		195,952			318,413			-38.5
Long-term debt		562,460			598,590			-6.0
Trust preferred securities		151,031			128,866			17.2
Shareholders’ equity		534,580			459,819			16.3
Capital ratios
Equity/assets (period end)		8.80	%		8.06	%
Leverage ratio (3)		7.08	%		6.81	%
Tangible equity/tangible assets (period end)		4.60	%		4.47	%

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

							2nd Qtr 2006 -		2nd Qtr 2006 -
	2006				2005		1st Qtr 2006		2nd Qtr 2005
	Second		First		Second		Percent		Percent
	Quarter		Quarter		Quarter		Variance		Variance
Average balances
Loans:
Commercial	$	1,826,489	$	1,674,450	$	1,561,741		9.1		17.0
Direct installment		918,337		884,663		887,185		3.8		3.5
Consumer LOC		258,849		257,421		257,836		0.6		0.4
Residential mortgages		492,807		485,016		503,209		1.6		-2.1
Indirect installment		474,159		484,762		490,073		-2.2		-3.2
Other		5,513		3,056		8,564		80.4		-35.6
Total loans	$	3,976,154	$	3,789,368	$	3,708,608		4.9		7.2
Deposits:
Non-interest bearing deposits	$	647,605	$	638,232	$	675,449		1.5		-4.1
Savings and NOW		1,871,039		1,738,215		1,695,124		7.6		10.4
Certificates of deposit and other time deposits		1,694,561		1,645,730		1,591,696		3.0		6.5
Total deposits		4,213,205		4,022,177		3,962,269		4.7		6.3
Customer repurchase agreements		190,395		194,700		174,128		-2.2		9.3
Total deposits and repurchase agreements	$	4,403,600	$	4,216,877	$	4,136,397		4.4		6.5
Balances at period end
Loans:
Commercial	$	2,019,563	$	1,708,307	$	1,579,076		18.2		27.9
Direct installment		931,453		909,340		893,677		2.4		4.2
Consumer LOC		267,683		253,916		259,993		5.4		3.0
Residential mortgages		507,817		477,781		508,606		6.3		-0.2
Indirect installment		476,261		475,626		496,174		0.1		-4.0
Other		7,748		1,994		9,043		288.6		-14.3
Total loans	$	4,210,525	$	3,826,964	$	3,746,569		10.0		12.4
Deposits:
Non-interest bearing deposits	$	669,838	$	651,964	$	672,549		2.7		-0.4
Savings and NOW		1,939,823		1,800,500		1,683,657		7.7		15.2
Certificates of deposit and other time deposits		1,768,887		1,637,474		1,603,114		8.0		10.3
Total deposits		4,378,548		4,089,938		3,959,320		7.1		10.6
Customer repurchase agreements		188,785		193,618		172,427		-2.5		9.5
Total deposits and repurchase agreements	$	4,567,333	$	4,283,556	$	4,131,747		6.6		10.5

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

	For the Six Months
	Ended June 30,				Percent
	2006		2005		Variance
Average balances
Loans:
Commercial	$	1,750,890	$	1,528,384		14.6
Direct installment		901,593		858,354		5.0
Consumer LOC		258,139		254,952		1.3
Residential mortgages		488,933		496,677		-1.6
Indirect installment		479,431		461,537		3.9
Other		4,291		7,088		-39.5
Total loans	$	3,883,277	$	3,606,992		7.7
Deposits:
Non-interest bearing deposits	$	642,944	$	651,973		-1.4
Savings and NOW		1,804,994		1,664,661		8.4
Certificates of deposit and other time deposits		1,670,280		1,521,965		9.7
Total deposits		4,118,218		3,838,599		7.3
Customer repurchase agreements		192,536		174,253		10.5
Total deposits and repurchase agreements	$	4,310,754	$	4,012,852		7.4
Balances at period end
Loans:
Commercial	$	2,019,563	$	1,579,076		27.9
Direct installment		931,453		893,677		4.2
Consumer LOC		267,683		259,993		3.0
Residential mortgages		507,817		508,606		-0.2
Indirect installment		476,261		496,174		-4.0
Other		7,748		9,043		-14.3
Total loans	$	4,210,525	$	3,746,569		12.4
Deposits:
Non-interest bearing deposits	$	669,838	$	672,549		-0.4
Savings and NOW		1,939,823		1,683,657		15.2
Certificates of deposit and other time deposits		1,768,887		1,603,114		10.3
Total deposits		4,378,548		3,959,320		10.6
Customer repurchase agreements		188,785		172,427		9.5
Total deposits and repurchase agreements	$	4,567,333	$	4,131,747		10.5