F.N.B. (FNB) 8-K F.N.B. Corporation Reports Fourth Quarter and Year End 2006 Results

Exhibit 99.1

F.N.B. CORPORATION REPORTS
FOURTH QUARTER AND YEAR END 2006 RESULTS

Corporation Meets Full Year Earnings Per Share Target

Hermitage, PA — January 18, 2007 — F.N.B. Corporation (NYSE: FNB), a diversified financial services company, today reported fourth quarter 2006 net income of $17.6 million, or $.29 per diluted share. These results were equal to the third quarter of 2006 and compare to net income of $4.7 million, or $.08 per diluted share for the fourth quarter of 2005. The 2005 fourth quarter results included after-tax charges of $11.0 million, or $.19 per diluted share, related to the Corporation’s balance sheet restructuring, efficiency initiatives and merger costs. Excluding these items from the fourth quarter of 2005 results in a 6.9% increase in diluted earnings per share for the fourth quarter of 2006. The Corporation’s return on equity for the fourth quarter of 2006 was 12.9%, its return on tangible equity was 26.1% and its return on assets was 1.2%.

“In the fourth quarter of 2006 we continued to benefit from our strategic initiatives to expand into higher growth markets. These initiatives made a significant contribution to our bottom line,” stated Stephen Gurgovits, President and Chief Executive Officer of F.N.B. Corporation. “Among the benefits of these initiatives were strong year-over-year fourth quarter loan growth of 13% which, coupled with strong credit quality and focused expense control, resulted in continued strong performance.”

For the full year 2006, the Corporation recorded net income of $67.6 million, or $1.14 per diluted share, compared to $55.3 million, or $.98 per diluted share for 2005. The Corporation’s return on equity for the full year 2006 was 13.2%, its return on tangible equity was 26.3% and its return on assets was 1.2%.

“We worked diligently to overcome the many challenges inherent in an uncertain climate for financial services. By keeping focused on our goals, we were able to deliver on our targeted performance measures,” noted Gurgovits.

Net interest income, on a fully tax equivalent basis, was down slightly in the fourth quarter of 2006 compared to the previous quarter due to lower balances of investment securities, but it surpassed net interest income for the same period in 2005 by 2.7%. While period-end total loans were relatively flat on a sequential quarter basis, commercial loans were up 9.2% annualized. The commercial loan growth was offset by seasonal declines in the consumer loan portfolios.

The yield on earning assets for the fourth quarter of 2006 increased 9 basis points compared to the previous quarter, which was matched by the same increase in the cost of funds. The net interest margin for the fourth quarter was 3.67%, an increase of 2 basis points over the third quarter. Of special significance, this increase reverses a trend of net interest margin declines experienced over the past three quarters.

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F.N.B. Corporation Page 2 of 4

For the full year 2006, net interest income on a fully tax equivalent basis increased 1.4% over 2005. Average earning asset growth of 5.1% more than offset the 15 basis point narrowing of the Corporation’s net interest margin. The net interest margin for the year 2006 was 3.71%.

“Year-over-year average loan growth of 10.2% led our earning asset expansion, with commercial loans increasing a strong 21.8%,” highlighted Gurgovits.

Non-interest income for the fourth quarter of 2006 was $19.3 million, a seasonal decrease of 3.6% from the prior quarter. On a full year basis, non-interest income totaled $79.3 million for 2006 compared to $57.8 million for 2005, an increase of 37.1%. Results for 2005 were negatively impacted by charges of $15.4 million related to balance sheet restructuring transactions and the write down of an equity security, which accounted for 28.6% of the year-over-year increase. Non-interest income was 29% of net revenue for 2006.

Non-interest expense for the fourth quarter of 2006 totaled $39.4 million, compared to $40.6 million in the previous quarter and $40.1 million for the same period last year. On a linked quarter basis the decrease was primarily due to lower self-insured medical benefit costs. In comparison to the fourth quarter of 2005, the Corporation benefited from lower costs associated with the modernization of its pension and postretirement plans. The efficiency ratio was 56.2% in the fourth quarter of 2006, an improvement from 56.9% for the third quarter of 2006.

For the full year 2006, non-interest expense was $160.5 million compared to $155.2 million for 2005, an increase of 3.4%. The increase is primarily attributable to the additional operating costs resulting from the merger with The Legacy Bank in the second quarter of 2006. The Corporation achieved excellent expense control in 2006 as it benefited from the fourth quarter 2005 efficiency initiatives, ongoing expense management and lower pension and post retirement benefit costs.

Asset quality continued at strong levels in the fourth quarter of 2006. Annualized net charge-offs for the fourth quarter of 2006 were 28 basis points of average loans, a 5 basis point increase from the historically low annualized net charge-offs in the third quarter of 2006. Non-performing loans to total loans were 66 basis points for the fourth quarter of 2006, improving from the 69 and 88 basis points in the third quarter of 2006 and the fourth quarter of 2005, respectively.

The Corporation’s continued strong credit quality resulted in a provision for loan losses of $2.5 million in the fourth quarter of 2006, compared to $2.4 million in the third quarter of 2006. At December 31, 2006 the allowance for loan losses was 1.24% of total loans and 1.9 times non-performing loans.

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Shareholders’ equity at year end 2006 was $537 million. The Corporation’s leverage capital ratio was 7.3% and the tangible capital ratio was 4.7% at the end of the year. The Corporation continues to exceed “well capitalized” ratios for federal bank regulatory purposes.

Dale Dignum, a long-time Tampa Bay, Florida-area bank executive, joined First National Bank recently as Executive Vice President for the Tampa Bay Region. He will oversee expansion of First National Bank’s operations in the Tampa Bay market. First National Bank currently operates loan production offices in Orlando, Sarasota, Fort Myers and Naples, Florida.

The Corporation will host a conference call on Friday, January 19, 2007 at 11:00 a.m. (EST) to discuss fourth 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 January 26, 2007 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 had total assets of $6.0 billion at December 31, 2006. 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 34 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

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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)

Analyst/Institutional Investor Contact:
Brian Lilly 724-983-6770

DATA SHEETS FOLLOW

F.N.B. CORPORATION
(UNAUDITED)
(DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA)

	2006						2005			4th Qtr 2006 -		4th Qtr 2006 -
										3rd Qtr 2006		4th Qtr 2005
	Fourth			Third			Fourth			Percent		Percent
	Quarter			Quarter			Quarter			Variance		Variance
STATEMENT OF EARNINGS
Interest income	$	90,760		$	90,576		$	77,183			0.2		17.6
Interest expense		42,802			42,209			30,400			1.4		40.8
Net interest income		47,958			48,367			46,783			-0.8		2.5
Taxable equivalent adjustment		1,036			981			912			5.6		13.5
Net interest income (FTE)		48,994			49,348			47,695			-0.7		2.7
Provision for loan losses		2,529			2,428			3,711			4.2		-31.8
Net interest income after provision (FTE)		46,465			46,920			43,984			-1.0		5.6
Service charges		9,940			10,235			9,980			-2.9		-0.4
Insurance commissions and fees		3,237			3,412			2,808			-5.1		15.3
Securities commissions and fees		1,287			1,329			971			-3.1		32.6
Trust income		2,064			2,013			1,712			2.5		20.5
Gain (loss) on sale of securities		405			510			-13,305			-20.6		-103.0
Impairment loss on equity security		0			0			-1,953			n/m		n/m
Gain on sale of loans		444			465			342			-4.4		29.8
Other		1,919			2,048			1,882			-6.3		2.0
Total non-interest income		19,296			20,012			2,437			-3.6		691.7
Salaries and employee benefits		20,199			20,991			20,782			-3.8		-2.8
Occupancy and equipment		7,244			6,886			6,331			5.2		14.4
Amortization of intangibles		1,008			1,180			1,014			-14.5		-0.6
Other		10,944			11,568			11,945			-5.4		-8.4
Total non-interest expense		39,395			40,625			40,072			-3.0		-1.7
Income before income taxes		26,366			26,307			6,349			0.2		315.3
Taxable equivalent adjustment		1,036			981			912			5.6		13.5
Income taxes		7,737			7,707			716			0.4		980.4
NET INCOME	$	17,593		$	17,619		$	4,721			-0.1		272.6
Earnings per share
Basic	$	0.29		$	0.29		$	0.08			0.0		262.5
Diluted	$	0.29		$	0.29		$	0.08			0.0		262.5
PERFORMANCE RATIOS
Return on average equity		12.88	%		13.01	%		3.96	%
Return on tangible equity (1)		26.10	%		26.99	%		8.41	%
Return on average assets		1.16	%		1.15	%		0.33	%
Return on tangible assets (2)		1.25	%		1.25	%		0.39	%
Net interest margin (FTE)		3.67	%		3.65	%		3.78	%
Yield on earning assets (FTE)		6.84	%		6.75	%		6.18	%
Cost of funds		3.55	%		3.46	%		2.69	%
Efficiency ratio (FTE) (3)		56.21	%		56.87	%		77.91	%
COMMON STOCK DATA
Average basic shares outstanding		60,027,643			59,923,906			57,308,055			0.2		4.7
Average diluted shares outstanding		60,626,455			60,527,788			58,016,749			0.2		4.5
Ending shares outstanding		60,394,279			60,299,036			57,419,041			0.2		5.2
Book value per common share	$	8.90		$	8.94		$	8.31			-0.5		7.1
Tangible book value per common share	$	4.49		$	4.54		$	4.48			-1.2		0.1
Dividend payout ratio		80.65	%		80.32	%		285.28	%

(1)	Return on tangible equity is calculated by dividing net income less amortization of intangibles by average equity less average intangibles.
(2)	Return on tangible assets is calculated by dividing net income less amortization of intangibles by average assets less average intangibles.
(3)	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.
(4)	Certain prior period amounts have been reclassified to conform to the current period presentation.

1

F.N.B. CORPORATION
(UNAUDITED)
(DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA)

	For the Year
	Ended December 31,
							Percent
	2006			2005			Variance
STATEMENT OF EARNINGS
Interest income	$	342,422		$	295,480			15.9
Interest expense		153,585			108,780			41.2
Net interest income		188,837			186,700			1.1
Taxable equivalent adjustment		3,934			3,462			13.6
Net interest income (FTE)		192,771			190,162			1.4
Provision for loan losses		10,412			12,176			-14.5
Net interest income after provision (FTE)		182,359			177,986			2.5
Service charges		40,053			38,121			5.1
Insurance commissions and fees		13,988			12,794			9.3
Securities commissions and fees		4,871			4,490			8.5
Trust income		7,780			7,125			9.2
Gain (loss) on sale of securities		1,802			-11,703			-115.4
Impairment loss on equity security		0			-1,953			n/m
Gain on sale of loans		1,607			1,393			15.4
Other		9,174			7,540			21.7
Total non-interest income		79,275			57,807			37.1
Salaries and employee benefits		83,649			81,035			3.2
Occupancy and equipment		27,563			25,577			7.8
Amortization of intangibles		4,148			3,743			10.8
Other		45,154			44,871			0.6
Total non-interest expense		160,514			155,226			3.4
Income before income taxes		101,120			80,567			25.5
Taxable equivalent adjustment		3,934			3,462			13.6
Income taxes		29,537			21,847			35.2
NET INCOME	$	67,649		$	55,258			22.4
Earnings per share
Basic	$	1.15		$	0.99			16.2
Diluted	$	1.14		$	0.98			16.3
PERFORMANCE RATIOS
Return on average equity		13.15	%		12.44	%
Return on tangible equity (1)		26.30	%		23.62	%
Return on average assets		1.15	%		0.99	%
Return on tangible assets (2)		1.25	%		1.07	%
Net interest margin (FTE)		3.71	%		3.86	%
Yield on earning assets (FTE)		6.67	%		6.06	%
Cost of funds		3.29	%		2.47	%
Efficiency ratio (FTE) (3)		57.48	%		61.09	%
COMMON STOCK DATA
Average basic shares outstanding		58,852,623			55,776,291			5.5
Average diluted shares outstanding		59,376,648			56,578,043			4.9
Ending shares outstanding		60,394,279			57,419,041			5.2
Book value per common share	$	8.90		$	8.31			7.1
Tangible book value per common share	$	4.49		$	4.48			0.1
Dividend payout ratio		81.84	%		94.71	%

(1)	Return on tangible equity is calculated by dividing net income less amortization of intangibles by average equity less average intangibles.
(2)	Return on tangible assets is calculated by dividing net income less amortization of intangibles by average assets less average intangibles.
(3)	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.
(4)	Certain prior period amounts have been reclassified to conform to the current period presentation.

2

F.N.B. CORPORATION
(UNAUDITED)
(DOLLARS IN THOUSANDS)

	2006						2005			4th Qtr 2006 -		4th Qtr 2006 -
										3rd Qtr 2006		4th Qtr 2005
	Fourth			Third			Fourth			Percent		Percent
	Quarter			Quarter			Quarter			Variance		Variance
AVERAGE BALANCES
Total assets	$	6,040,889		$	6,104,452		$	5,688,093			-1.0		6.2
Earning assets		5,325,077			5,382,689			5,024,396			-1.1		6.0
Securities		1,072,857			1,101,558			1,211,224			-2.6		-11.4
Loans, net of unearned income		4,238,382			4,229,049			3,777,630			0.2		12.2
Allowance for loan losses		53,494			53,882			51,915			-0.7		3.0
Goodwill and intangibles		264,442			267,024			219,345			-1.0		20.6
Deposits and repurchase agreements		4,621,942			4,656,840			4,225,437			-0.7		9.4
Short-term borrowings		127,142			130,067			220,011			-2.2		-42.2
Long-term debt		527,892			557,932			568,287			-5.4		-7.1
Trust preferred securities		151,031			151,031			128,866			0.0		17.2
Shareholders’ equity		541,782			537,254			473,023			0.8		14.5
ASSET QUALITY DATA
Non-accrual loans	$	24,636		$	24,672		$	28,100			-0.1		-12.3
Restructured loans		3,492			4,789			5,032			-27.1		-30.6
Non-performing loans		28,128			29,461			33,132			-4.5		-15.1
Other real estate owned		5,948			5,995			6,337			-0.8		-6.1
Non-performing assets	$	34,076		$	35,456		$	39,469			-3.9		-13.7
Net loan charge-offs	$	3,007		$	2,405		$	4,581			25.0		-34.4
Allowance for loan losses		52,575			53,065			50,707			-0.9		3.7
Non-performing loans / total loans		0.66	%		0.69	%		0.88	%
Non-performing assets / total assets		0.57	%		0.59	%		0.71	%
Allowance for loan losses / total loans		1.24	%		1.25	%		1.35	%
Allowance for loan losses / non-performing loans		186.91	%		180.12	%		153.04	%
Net loan charge-offs (annualized) / average loans		0.28	%		0.23	%		0.48	%
BALANCES AT PERIOD END
Total assets	$	6,007,592		$	6,060,285		$	5,590,326			-0.9		7.5
Earning assets		5,292,930			5,334,157			4,914,772			-0.8		7.7
Securities		1,034,358			1,084,735			1,160,358			-4.6		-10.9
Loans, net of unearned income		4,253,144			4,244,584			3,749,047			0.2		13.4
Goodwill and intangibles		266,337			265,016			219,755			0.5		21.2
Deposits and repurchase agreements		4,624,906			4,617,537			4,194,460			0.2		10.3
Short-term borrowings		111,846			155,148			196,461			-27.9		-43.1
Long-term debt		519,890			537,401			533,703			-3.3		-2.6
Trust preferred securities		151,031			151,031			128,866			0.0		17.2
Shareholders’ equity		537,372			538,968			477,202			-0.3		12.6
CAPITAL RATIOS
Equity/assets (period end)		8.94	%		8.89	%		8.54	%
Leverage ratio		7.28	%		7.16	%		6.93	%
Tangible equity/tangible assets (period end)		4.72	%		4.73	%		4.79	%

3

F.N.B. CORPORATION
(UNAUDITED)
(DOLLARS IN THOUSANDS)

	For the Year
	Ended December 31,
							Percent
	2006			2005			Variance
AVERAGE BALANCES
Total assets	$	5,889,925		$	5,571,977			5.7
Earning assets		5,196,076			4,944,018			5.1
Securities		1,111,391			1,248,687			-11.0
Loans, net of unearned income		4,059,936			3,685,073			10.2
Allowance for loan losses		52,758			52,106			1.3
Goodwill and intangibles		246,884			199,973			23.5
Deposits and repurchase agreements		4,476,423			4,091,914			9.4
Short-term borrowings		145,063			266,839			-45.6
Long-term debt		542,208			566,757			-4.3
Trust preferred securities		142,286			128,866			10.4
Shareholders’ equity		514,363			444,239			15.8
ASSET QUALITY DATA
Non-accrual loans	$	24,636		$	28,100			-12.3
Restructured loans		3,492			5,032			-30.6
Non-performing loans		28,128			33,132			-15.1
Other real estate owned		5,948			6,337			-6.1
Non-performing assets	$	34,076		$	39,469			-13.7
Net loan charge-offs	$	11,578		$	16,874			-31.4
Allowance for loan losses		52,575			50,707			3.7
Non-performing loans / total loans		0.66	%		0.88	%
Non-performing assets / total assets		0.57	%		0.71	%
Allowance for loan losses / total loans		1.24	%		1.35	%
Allowance for loan losses / non-performing loans		186.91	%		153.04	%
Net loan charge-offs (annualized) / average loans		0.29	%		0.46	%
BALANCES AT PERIOD END
Total assets	$	6,007,592		$	5,590,326			7.5
Earning assets		5,292,930			4,914,772			7.7
Securities		1,034,358			1,160,358			-10.9
Loans, net of unearned income		4,253,144			3,749,047			13.4
Goodwill and intangibles		266,337			219,755			21.2
Deposits and repurchase agreements		4,624,906			4,194,460			10.3
Short-term borrowings		111,846			196,461			-43.1
Long-term debt		519,890			533,703			-2.6
Trust preferred securities		151,031			128,866			17.2
Shareholders’ equity		537,372			477,202			12.6
CAPITAL RATIOS
Equity/assets (period end)		8.94	%		8.54	%
Leverage ratio		7.28	%		6.93	%
Tangible equity/tangible assets (period end)		4.72	%		4.79	%

4

F.N.B. CORPORATION
(UNAUDITED)
(DOLLARS IN THOUSANDS)

	2006				2005		4th Qtr 2006 -		4th Qtr 2006 -
							3rd Qtr 2006		4th Qtr 2005
	Fourth		Third		Fourth		Percent		Percent
	Quarter		Quarter		Quarter		Variance		Variance
AVERAGE BALANCES
Loans:
Commercial	$	2,067,673	$	2,037,175	$	1,616,429		1.5		27.9
Direct installment		931,290		933,059		891,509		-0.2		4.5
Consumer LOC		255,806		261,622		264,417		-2.2		-3.3
Residential mortgages		499,777		507,690		497,849		-1.6		0.4
Indirect installment		466,986		476,111		502,163		-1.9		-7.0
Other		16,850		13,392		5,263		25.8		220.1
Total loans	$	4,238,382	$	4,229,049	$	3,777,630		0.2		12.2
Deposits:
Non-interest bearing deposits	$	646,844	$	663,828	$	670,699		-2.6		-3.6
Savings and NOW		1,946,040		1,978,788		1,700,976		-1.7		14.4
Certificates of deposit and other time deposits		1,782,184		1,794,657		1,651,199		-0.7		7.9
Total deposits		4,375,068		4,437,273		4,022,874		-1.4		8.8
Customer repurchase agreements		246,874		219,567		202,563		12.4		21.9
Total deposits and repurchase agreements	$	4,621,942	$	4,656,840	$	4,225,437		-0.7		9.4
BALANCES AT PERIOD END
Loans:
Commercial	$	2,111,752	$	2,064,725	$	1,613,960		2.3		30.8
Direct installment		926,766		934,072		890,288		-0.8		4.1
Consumer LOC		254,054		258,369		262,969		-1.7		-3.4
Residential mortgages		490,215		498,532		485,542		-1.7		1.0
Indirect installment		461,214		475,014		493,740		-2.9		-6.6
Other		9,143		13,872		2,548		-34.1		258.8
Total loans	$	4,253,144	$	4,244,584	$	3,749,047		0.2		13.4
Deposits:
Non-interest bearing deposits	$	654,617	$	665,606	$	688,391		-1.7		-4.9
Savings and NOW		1,944,707		1,953,408		1,675,395		-0.4		16.1
Certificates of deposit and other time deposits		1,773,518		1,780,910		1,648,157		-0.4		7.6
Total deposits		4,372,842		4,399,924		4,011,943		-0.6		9.0
Customer repurchase agreements		252,064		217,613		182,517		15.8		38.1
Total deposits and repurchase agreements	$	4,624,906	$	4,617,537	$	4,194,460		0.2		10.3

5

F.N.B. CORPORATION
(UNAUDITED)
(DOLLARS IN THOUSANDS)

	For the Year
	Ended December 31,
					Percent
	2006		2005		Variance
AVERAGE BALANCES
Loans:
Commercial	$	1,902,896	$	1,561,942		21.8
Direct installment		917,009		874,688		4.8
Consumer LOC		258,429		259,172		-0.3
Residential mortgages		496,394		499,712		-0.7
Indirect installment		475,459		482,830		-1.5
Other		9,749		6,729		44.9
Total loans	$	4,059,936	$	3,685,073		10.2
Deposits:
Non-interest bearing deposits	$	649,191	$	661,668		-1.9
Savings and NOW		1,884,351		1,673,003		12.6
Certificates of deposit and other time deposits		1,729,836		1,574,464		9.9
Total deposits		4,263,378		3,909,135		9.1
Customer repurchase agreements		213,045		182,779		16.6
Total deposits and repurchase agreements	$	4,476,423	$	4,091,914		9.4
BALANCES AT PERIOD END
Loans:
Commercial	$	2,111,752	$	1,613,960		30.8
Direct installment		926,766		890,288		4.1
Consumer LOC		254,054		262,969		-3.4
Residential mortgages		490,215		485,542		1.0
Indirect installment		461,214		493,740		-6.6
Other		9,143		2,548		258.8
Total loans	$	4,253,144	$	3,749,047		13.4
Deposits:
Non-interest bearing deposits	$	654,617	$	688,391		-4.9
Savings and NOW		1,944,707		1,675,395		16.1
Certificates of deposit and other time deposits		1,773,518		1,648,157		7.6
Total deposits		4,372,842		4,011,943		9.0
Customer repurchase agreements		252,064		182,517		38.1
Total deposits and repurchase agreements	$	4,624,906	$	4,194,460		10.3

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