First Financial Bancorp. (FFBC) 8-K First Financial Bancorp Reports First-Quarter Earnings

EXHIBIT 99.1

News News News News News News

April 20, 2005

First Financial Bancorp Reports First-Quarter Earnings

•   2005 net earnings up 7.8 percent over 2004

•   Continued improvement in credit quality

HAMILTON, Ohio – First Financial Bancorp (Nasdaq: FFBC) president and chief executive officer, Claude E. Davis, today announced first-quarter 2005 earnings of $10,726,000 or 25 cents in diluted earnings per share, compared to $9,948,000 or 23 cents in diluted earnings per share for the same period in 2004.

Return on average assets for the first quarter of 2005 was 1.13 percent, compared to 1.03 percent for the same period in 2004. Return on average shareholders’ equity was 11.73 percent for the first quarter of 2005, versus 10.88 percent for the comparable period in 2004. First Financial continues to maintain strong capital with a first-quarter 2005 average equity to average assets ratio of 9.62 percent.

Davis said,“I am pleased with the overall stability in our financial performance, specifically our credit quality. I look forward to building from this base as we implement our strategic plan. This will occur as we work to satisfy client financial needs by building long-term relationships using a client-centered, value-added approach.

“Our loan growth continues to be below our long-term expectations; however, our noninterest-bearing demand deposit growth of 8.81 percent or $35 million since the first quarter of last year is encouraging. We remain focused on improving our sales efforts and recruiting new sales talent to improve our growth in all business lines.”

(The preceding overview of First Financial Bancorp’s earnings is supplemented with the following detail:)

Strategic Plan Update:

The mergers of Citizens First State Bank into Community First Bank & Trust, headquartered in Celina, Ohio, a $929 million bank, and Heritage Community Bank into First Financial Bank, headquartered in Hamilton, Ohio, a $2 billion bank, occurred in March of 2005. The previously announced sale of the Fidelity Federal Savings Bank, headquartered in Marion, Indiana, to Mutual Federal Savings Bank of Muncie, Indiana is expected to close in late 2005, pending regulatory approval.

First Financial Bancorp has selected a national bank charter for the consolidation of its operations under one company as provided for in the company’s strategic plan. To effect the consolidation, First Financial plans to merge Sand Ridge Bank, headquartered in Highland, Indiana, and Community First Bank & Trust, headquartered in Celina, Ohio, into First Financial Bank, N.A., headquartered in Hamilton, Ohio. First Financial will file applications for the merger in the second quarter of 2005, and, subject to regulatory approval, expects to complete the merger in the third quarter of 2005. Upon completion of the merger, First Financial Bancorp will have a single bank subsidiary subject to one primary regulator, the Comptroller of the Currency.

Following the consolidation, the operation of the five lines of business described in the strategic plan will be carried out under the charter of First Financial Bank, N.A. The three banking lines of business will be marketed in their local areas under the brand names Community First Bank & Trust, Sand Ridge Bank, and First Financial Bank. Throughout all of its markets, First Financial Bank, N.A. will provide wealth management services through its First Financial Wealth Management line of business, and the bank will provide insurance services through its First Financial Insurance line of business, which will become a subsidiary of the bank.

Implementation of the strategic plan that was announced in a press release dated March 14, 2005, is underway. Costs associated with the plan are still being formulated and will be released publicly as soon as the amounts are reasonably estimated. This should occur during the second quarter of 2005. These estimates will develop as certain location and other structural decisions are made. We have engaged several
subject-matter experts for consultation on these decisions.

Net Interest Income:

Net interest income for the first quarter of 2005 was $34.9 million, compared to $36.2 million in the first quarter of 2004, a decrease of 3.45 percent or $1.2 million. This decrease is due primarily to an increase

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in deposit costs. Net interest income on a linked-quarter basis (first quarter of 2005 compared to fourth quarter of 2004) decreased $478,000 or 1.35 percent due primarily to fewer days in the first quarter over the fourth quarter.

The company’s net interest margin decreased to 3.97 percent in the first quarter of 2005 from 4.00 percent in the first quarter of 2004.
Linked-quarter net interest margin increased 6 basis points from 3.91 percent to 3.97.

Average total loans for the first quarter of 2005 increased 1.90 percent from the comparable period a year ago. On a linked-quarter basis, average outstanding loan balances decreased 0.92 percent. This level of loan growth is well below our expectations and will be proactively addressed as we execute our strategic plan.

Average deposit balances for the first quarter increased $47.2 million or 1.61 percent from the comparable period a year ago due primarily to an 8.81 percent increase in average noninterest-bearing deposit accounts. This increase in noninterest-bearing deposit accounts marks the successful efforts of focused strategies over the past twelve months. On a linked-quarter basis, average deposits have increased 1.27%.

Credit Quality:

The provision for loan losses for the first quarter of 2005 was $505,000 compared to $2.6 million for the same period in 2004. The provision is the result of the quarterly analysis of the adequacy of the allowance for loan losses and is directionally consistent with the improvements in asset quality. Net charge-offs of $1.2 million for the first quarter were $1.5 million less than the $2.7 million in net charge-offs for the first quarter of 2004. The percentage of net charge-offs to average loans for the first quarter of 2005 was 0.18 percent compared to 0.38 percent for the same period in 2004.

First Financial continued to maintain appropriate risk coverage with an allowance to ending loans ratio of 1.60 percent at quarter end versus 1.68 percent for the same quarter a year ago. It is management’s belief that the allowance for loan losses of $46.0 million is adequate to absorb credit losses inherent in the portfolio at March 31, 2005.

The nonperforming assets to ending loans ratio decreased to 0.71 percent as of March 31, 2005, from 1.16 percent at the end of the first quarter of 2004. Total nonperforming assets — which include nonaccrual loans, restructured loans, and other real estate owned – decreased 38.40 percent to $20.3 million at the end of the first quarter of 2005 from $33.0 million at March 31, 2004. Nonaccrual loans decreased $10.1

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million, restructured loans decreased $2.5 million, and other real estate owned decreased $116,000. On a linked-quarter basis, total nonperforming assets decreased $3.6 million or 15.02 percent. A significant driver to the improvement of credit quality in the first quarter is the workout of a few large credits.

Loans delinquent over 90 days decreased 56.13 percent to $590,000 at the end of the first quarter of 2005 from $1.3 million at the end of the first quarter of 2004.

This continued credit quality improvement has been positively influenced by economic recovery and improved credit risk and risk management disciplines. Given the current economic environment, First Financial expects continued stable credit quality trends through 2005, although moderate fluctuations could occur.

Noninterest Income:

First-quarter 2005 noninterest income was $15.1 million, an increase of $683,000 or 4.73 percent from the first quarter of 2004 due to changes in estimated life insurance income of $830,000 reflected in other noninterest income. Service charge income decreased $396,000 or 8.58 percent from the same quarter a year ago largely due to decreased insufficient funds charges. Improvements to insufficient funds charges are expected as some deposit product enhancements occur during the latter portion of 2005. Trust revenues for the first quarter of 2005 increased 5.19 percent or $202,000 more than the comparable period last year as a result of year-over-year market value improvements, improved sales efforts, and service-fee changes on certain accounts. Bankcard interchange income increased $247,000 or 20.84 percent from the same quarter in 2004. The other category of noninterest income increased $459,000 or 10.28 percent from a year ago principally as a result of the aforementioned change in estimated insurance income. Gains on the sale of mortgage loans were $464,000 for the first quarter of 2005 versus $289,000 for the comparable period in 2004, an increase of $175,000.

On a linked-quarter basis, total noninterest income was up 3.02 percent or $444,000. Decreases in trust revenues and service charges on deposit accounts were more than offset by the previously discussed life insurance income.

Noninterest Expense:

Total noninterest expense increased $578,000 or 1.74 percent for the first quarter of 2005 from the first quarter of 2004. Salaries and employee benefits increased $705,000 or 3.81 percent due to severance charges, enhancements to the executive staff at the parent company, and increased health care costs. Net occupancy expenses for the first quarter of 2005, increased $168,000 or 7.62 percent as a result of

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increased building rent, depreciation, and related expenses. Data-processing expense for the quarter decreased $138,000 or 7.41 percent.

Earnings Conference Call and Webcast

On April 21, 2005, First Financial will host an earnings conference call that will be webcast live at 11:00 a.m. EDT. The presenters will be Claude E. Davis, president and chief executive officer, C. Douglas Lefferson, executive vice president and chief operating officer, and J. Franklin Hall, chief financial officer. Anyone may participate in the conference call by telephoning 1-877-407-8031 (no passcode needed) or by logging on to the company’s website (http://ffbc-oh.com) for a live audio webcast of the call (click on the Investor Information section and choose the category of News). Listeners should allow an extra five minutes to be connected to the call or webcast.

The event will also be archived on the company’s website for one year. Anyone who wishes to hear a replay of the event by telephone may dial 1-877-660-6853, account# 286, conference ID# 148903 between 3:00 p.m. EDT on April 21, 2005 and 11:59 p.m. on April 28, 2005.

Other Items:

First Financial repurchased 106,000 shares of its common stock during the first quarter of 2005 under a previously approved and ongoing program for general corporate purposes.

A $3.9 billion publicly owned bank holding company with over 4,000 shareholders, First Financial Bancorp currently operates 4 banking affiliates with a total of 106 retail banking centers in Ohio, Michigan, Kentucky, and Indiana, as well as an investment-advisor affiliate and an operations affiliate. Insurance services are offered through First Financial Insurance.

This release should be read in conjunction with the consolidated financial statements, notes, and tables attached and in the First Financial Bancorp Annual Report on Form 10-K for the year ended December 31, 2004. Management’s analysis may contain forward-looking statements that are provided to assist in the understanding of anticipated future financial performance. However, such performance involves risk and uncertainties that may cause actual results to differ materially. Factors that could cause actual results to differ from those discussed in the forward-looking statements include, but are not limited to, the strength of the local economies in which operations are conducted, the effects of and changes in policies and laws of regulatory agencies, inflation, and interest rates. For further discussion of certain factors that may cause such forward-looking statements to differ materially from actual results, refer to the 2004 Form 10-K.

First Financial Bancorp
P.O. Box 476
Hamilton, OH 45012
Analyst Contact: J. Franklin Hall
513-867-4954
frank.hall@ffbc-oh.com
Media Contact: Cheryl R. Lipp
513-867-4929
cheryl.lipp@comfirst.com

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FRST FINANCIAL BANCORP.
CONSOLIDATED FINANCIAL DATA

(Dollars in thousands, except per share)
(Unaudited)

							Three months ended
	March 31,			Dec. 31,			Sep. 30,			June 30,			March 31,
	2005			2004			2004			2004			2004
EARNINGS
Net interest income	$	34,911		$	35,389		$	36,201		$	36,000		$	36,157
Net earnings		10,726			10,009			10,824			10,337			9,948
Net earnings per share - basic	$	0.25		$	0.23		$	0.25		$	0.24		$	0.23
Net earnings per share - diluted	$	0.25		$	0.23		$	0.25		$	0.24		$	0.23
KEY RATIOS
Return on average assets		1.13	%		1.03	%		1.09	%		1.06	%		1.03	%
Return on average shareholders’ equity		11.73	%		10.74	%		11.81	%		11.40	%		10.88	%
Return on average tangible shareholders’ equity		13.00	%		11.91	%		13.14	%		12.67	%		12.08	%
Average shareholders’ equity to average assets		9.62	%		9.55	%		9.27	%		9.33	%		9.44	%
Net interest margin		3.97	%		3.91	%		3.93	%		3.98	%		4.00	%
Net interest margin (fully tax equivalent)*		4.06	%		3.99	%		4.02	%		4.07	%		4.10	%
COMMON STOCK DATA
Average basic shares outstanding		43,599,866			43,708,800			43,750,598			43,868,314			43,949,362
Average diluted shares outstanding		43,673,090			43,762,371			43,817,398			43,951,016			43,967,599
Ending shares outstanding		43,544,023			43,677,236			43,695,439			43,810,651			43,924,139
Market price:
High	$	19.25		$	17.90		$	18.78		$	18.47		$	18.82
Low	$	16.65		$	16.90		$	16.71		$	15.61		$	16.29
Close	$	18.25		$	17.50		$	17.08		$	17.72		$	18.50
Book value	$	8.45		$	8.50		$	8.50		$	8.24		$	8.44
Common dividend declared	$	0.16		$	0.15		$	0.15		$	0.15		$	0.15
AVERAGE BALANCE SHEET ITEMS
Loans less unearned income	$	2,873,378		$	2,900,008		$	2,920,472		$	2,859,043		$	2,819,711
Investment securities		669,176			700,235			729,627			767,667			799,823
Other earning assets		21,616			4,926			9,818			13,827			12,279
Total earning assets		3,564,170			3,605,169			3,659,917			3,640,537			3,631,813
Total assets		3,853,336			3,882,052			3,932,743			3,907,566			3,894,900
Noninterest-bearing deposits		430,774			432,775			409,237			405,098			395,894
Interest-bearing deposits		2,543,193			2,504,032			2,518,080			2,514,194			2,530,912
Total deposits		2,973,967			2,936,807			2,927,317			2,919,292			2,926,806
Borrowings		480,282			547,940			616,459			595,640			573,310
Shareholders’ equity		370,829			370,722			364,495			364,574			367,628
CREDIT QUALITY
Ending allowance for loan losses	$	45,976		$	46,718		$	48,590		$	47,824		$	47,672
Nonperforming assets:
Nonaccrual		16,508			20,102			22,203			22,723			26,586
Restructured		885			2,110			2,344			2,936			3,373
OREO		2,954			1,730			2,731			2,215			3,070
Total nonperforming assets		20,347			23,942			27,278			27,874			33,029
Loans delinquent over 90 days		590			2,053			1,116			721			1,345
Gross charge-offs:
Commercial real estate		(195	)		(746	)		(166	)		(105	)		(631	)
Commercial loans and leases		(831	)		(925	)		(429	)		(560	)		(1,036	)
Consumer		(1,768	)		(1,484	)		(1,507	)		(2,622	)		(2,588	)
All other		(8	)		(24	)		(22	)		(2	)		(27	)
Total gross charge-offs		(2,802	)		(3,179	)		(2,124	)		(3,289	)		(4,282	)
Recoveries:
Commercial real estate		239			80			10			0			34
Commercial loans and leases		531			325			213			467			538
Consumer		780			559			553			723			1,011
All other		5			0			17			8			0
Total recoveries		1,555			964			793			1,198			1,583
Total net charge-offs		(1,247	)		(2,215	)		(1,331	)		(2,091	)		(2,699	)
CREDIT QUALITY RATIOS
Allowance to ending loans, net of unearned income		1.60	%		1.61	%		1.66	%		1.65	%		1.68	%
Nonperforming assets to ending loans, net of unearned income plus OREO		0.71	%		0.83	%		0.93	%		0.96	%		1.16	%
90 days past due to loans, net of unearned income		0.02	%		0.07	%		0.04	%		0.02	%		0.05	%
Net charge-offs to average loans, net of unearned income		0.18	%		0.30	%		0.18	%		0.29	%		0.38	%

*The tax equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and assumes a 35% tax rate. Management believes that it is a standard practice in the banking industry to present net interest margin and net interest income on a fully tax equivalent basis. Therefore, management believes, these measures provide useful information to investors by allowing them to make peer comparisons. Management also uses these measures to make peer comparisons.

FRST FINANCIAL BANCORP.
CONSOLIDATED STATEMENTS OF EARNINGS

(Dollars in thousands)
(Unaudited)

							Three months ended,
	March 31,			Dec. 31,			Sep. 30,			June 30,			March 31,
	2005			2004			2004			2004			2004
Interest income
Loans, including fees	$	43,819		$	43,736		$	43,687		$	42,461		$	42,522
Investment securities
Taxable		5,538			5,810			6,106			6,241			6,813
Tax-exempt		1,230			1,307			1,321			1,381			1,449
Total investment securities interest		6,768			7,117	��		7,427			7,622			8,262
Interest-bearing deposits with other banks		23			16			22			34			28
Federal funds sold and securities purchased under agreements to resell		104			8			15			9			11
Total interest income		50,714			50,877			51,151			50,126			50,823
Interest expense
Deposits		10,816			10,136			9,504			9,037			9,662
Short-term borrowings		432			688			793			526			499
Long-term borrowings		4,109			4,255			4,274			4,226			4,163
Other long-term debt		446			409			379			337			342
Total interest expense		15,803			15,488			14,950			14,126			14,666
Net interest income		34,911			35,389			36,201			36,000			36,157
Provision for loan losses		505			343			2,097			2,243			2,600
Net interest income after provision for loan losses		34,406			35,046			34,104			33,757			33,557
Noninterest income
Service charges on deposit accounts		4,217			4,520			4,920			4,794			4,613
Trust revenues		4,094			4,206			3,774			4,030			3,892
Bankcard interchange income		1,432			1,433			1,403			1,280			1,185
Gains from sales of mortgage loans		464			441			424			408			289
Investment securities gains (losses)		(6	)		13			(8	)		(1	)		(2	)
Other		4,923			4,067			5,503			4,394			4,464
Total noninterest income		15,124			14,680			16,016			14,905			14,441
Noninterest expenses
Salaries and employee benefits		19,224			19,666			19,491			19,056			18,519
Net occupancy		2,373			2,186			2,119			1,968			2,205
Furniture and equipment		1,638			1,851			1,782			1,800			1,804
Data processing		1,725			1,792			1,773			1,758			1,863
Marketing		529			579			679			718			740
Communication		784			713			698			694			706
Professional Services		1,400			1,423			1,663			1,139			1,249
Amortization of intangibles		220			220			220			220			216
Other		5,929			6,626			6,017			6,036			5,942
Total noninterest expenses		33,822			35,056			34,442			33,389			33,244
Income before income taxes		15,708			14,670			15,678			15,273			14,754
Income tax expense		4,982			4,661			4,854			4,936			4,806
Net earnings	$	10,726		$	10,009		$	10,824		$	10,337		$	9,948

ADDITIONAL DATA — FULLY TAX EQUIVALENT NET INTEREST INCOME*

Interest income	$	50,714	$	50,877	$	51,151	$	50,126	$	50,823
Tax equivalent adjustment		758		773		778		819		860
Interest income - tax equivalent		51,472		51,650		51,929		50,945		51,683
Interest expense		15,803		15,488		14,950		14,126		14,666
Net interest income - tax equivalent	$	35,669	$	36,162	$	36,979	$	36,819	$	37,017

*The tax equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and assumes a 35% tax rate. Management believes that it is a standard practice in the banking industry to present net interest margin and net interest income on a fully tax equivalent basis. Therefore, management believes, these measures provide useful information to investors by allowing them to make peer comparisons. Management also uses these measures to make peer comparisons.

FIRST FINANCIAL BANCORP.
CONSOLIDATED STATEMENTS OF CONDITION

(Dollars in thousands)
(Unaudited)

	March 31,			Dec. 31,			March 31,
	2005			2004			2004
ASSETS
Cash and due from banks	$	166,753		$	155,353		$	138,950
Interest-bearing deposits with other banks		3,550			920			8,195
Federal funds sold and securities purchased under agreements to resell		26,450			12,049			1,987
Investment securities, held-to-maturity		13,443			12,809			12,482
Investment securities, available-for-sale		641,315			669,431			771,765
Loans
Commercial		631,651			644,933			677,918
Real estate-construction		87,576			91,475			77,388
Real estate-mortgage		1,534,656			1,539,398			1,494,663
Installment		589,817			592,402			553,679
Credit card		20,353			21,895			20,159
Lease financing		4,305			5,229			10,353
Total loans		2,868,358			2,895,332			2,834,160
Less
Unearned income		2			6			48
Allowance for loan losses		45,976			46,718			47,672
Net loans		2,822,380			2,848,608			2,786,440
Premises and equipment		68,419			66,898			59,816
Goodwill		28,656			28,444			28,344
Other intangibles		7,612			7,855			7,943
Other assets		116,765			114,304			102,703
Total Assets	$	3,895,343		$	3,916,671		$	3,918,625
LIABILITIES
Deposits
Noninterest-bearing	$	444,137		$	443,902		$	403,522
Interest-bearing		2,595,608			2,541,084			2,528,828
Total deposits		3,039,745			2,984,986			2,932,350
Short-term borrowings		72,484			145,144			195,191
Federal Home Loan Bank long-term debt		348,717			350,856			354,615
Other long-term debt		30,930			30,930			30,930
Accrued interest and other liabilities		35,320			33,300			34,724
Total Liabilities		3,527,196			3,545,216			3,547,810
SHAREHOLDERS’ EQUITY
Common stock		395,311			395,521			395,595
Retained earnings		68,849			65,095			53,680
Accumulated comprehensive income		(8,084	)		(3,123	)		4,648
Restricted stock awards		(2,647	)		(3,073	)		(4,403	)
Treasury stock, at cost		(85,282	)		(82,965	)		(78,705	)
Total Shareholders’ Equity		368,147			371,455			370,815
Total Liabilities and Shareholders’ Equity	$	3,895,343		$	3,916,671		$	3,918,625

ADDITIONAL DATA — RISK BASED CAPITAL

	March 31,			Dec. 31,			Sep. 30,			June 30,			March 31,
	2005			2004			2004			2004			2004
Tier 1 Capital	$	368,693		$	367,114		$	364,529		$	361,597		$	359,134
Tier 1 Ratio		13.45	%		13.23	%		13.24	%		12.98	%		13.19	%
Total Capital	$	403,108		$	401,957		$	399,108		$	396,580		$	393,331
Total Capital Ratio		14.70	%		14.48	%		14.50	%		14.24	%		14.45	%
Total Risk-Adjusted Assets	$	2,741,622		$	2,775,584		$	2,752,339		$	2,785,789		$	2,722,261
Leverage Ratio		9.65	%		9.54	%		9.35	%		9.33	%		9.30	%

FIRST FINANCIAL BANCORP.
AVERAGE CONSOLIDATED STATEMENTS OF CONDITION

(Dollars in thousands)
(Unaudited)

							Quarterly Averages
	March 31,			Dec. 31,			Sep. 30,			June 30,			March 31,
	2005			2004			2004			2004			2004
ASSETS
Cash and due from banks	$	121,903		$	117,450		$	120,166		$	115,009		$	114,977
Interest-bearing deposits with other banks		3,624			3,008			5,124			10,422			7,588
Federal funds sold and securities purchased under agreements to resell		17,992			1,918			4,694			3,405			4,691
Investment securities		669,176			700,235			729,627			767,667			799,823
Loans
Commercial		627,938			638,154			652,874			667,796			669,188
Real estate-construction		88,247			99,346			88,056			77,963			76,193
Real estate-mortgage		1,543,054			1,538,621			1,556,555			1,520,659			1,488,463
Installment		588,867			597,299			594,796			562,990			554,374
Credit card		20,549			20,631			20,493			20,134			20,274
Lease financing		4,727			5,965			7,716			9,538			11,284
Total loans		2,873,382			2,900,016			2,920,490			2,859,080			2,819,776
Less
Unearned income		4			8			18			37			65
Allowance for loan losses		46,502			48,815			48,220			47,873			47,877
Net loans		2,826,876			2,851,193			2,872,252			2,811,170			2,771,834
Premises and equipment		67,776			64,765			61,750			60,155			59,271
Other assets		145,989			143,483			139,130			139,738			136,716
Total Assets	$	3,853,336		$	3,882,052		$	3,932,743		$	3,907,566		$	3,894,900
LIABILITIES
Deposits
Interest-bearing	$	172,515		$	142,754		$	160,728		$	167,560		$	193,256
Savings		1,057,304			1,060,305			1,072,417			1,057,305			1,030,709
Time		1,313,374			1,300,973			1,284,935			1,289,329			1,306,947
Total interest-bearing deposits		2,543,193			2,504,032			2,518,080			2,514,194			2,530,912
Noninterest-bearing		430,774			432,775			409,237			405,098			395,894
Total deposits		2,973,967			2,936,807			2,927,317			2,919,292			2,926,806
Borrowed funds
Short-term borrowings		99,959			163,936			234,622			215,124			209,166
Federal Home Loan Bank long-term debt		349,393			353,074			350,907			349,586			333,214
Other long-term debt		30,930			30,930			30,930			30,930			30,930
Total borrowed funds		480,282			547,940			616,459			595,640			573,310
Accrued interest and other liabilities		28,258			26,583			24,472			28,060			27,156
Total Liabilities		3,482,507			3,511,330			3,568,248			3,542,992			3,527,272
SHAREHOLDERS’ EQUITY
Common stock		395,413			395,533			395,581			395,586			395,648
Retained earnings		66,243			61,389			58,598			53,999			51,165
Accumulated comprehensive income		(3,662	)		(322	)		(4,317	)		(1,199	)		3,311
Restricted stock awards		(2,851	)		(3,447	)		(3,636	)		(4,124	)		(4,220	)
Treasury stock, at cost		(84,314	)		(82,431	)		(81,731	)		(79,688	)		(78,276	)
Total Shareholders’ Equity		370,829			370,722			364,495			364,574			367,628
Total Liabilities and Shareholders’ Equity	$	3,853,336		$	3,882,052		$	3,932,743		$	3,907,566		$	3,894,900