S&T Bancorp (STBA) 8-K S&T Bancorp, Inc. Announces Improved Third Quarter Earnings

Exhibit 99.1

FOR IMMEDIATE RELEASE	Contact: Mark Kochvar
October 25, 2010	Chief Financial Officer
	724-465-4826

S&T Bancorp, Inc. Announces Improved Third Quarter Earnings

Indiana, Pennsylvania – S&T Bancorp, Inc. (NASDAQ: STBA), a full-service financial institution with office locations in 10 Pennsylvania counties, has announced its third quarter earnings.

Todd D. Brice, president and chief executive officer of S&T Bancorp, Inc., offered the following highlights:

• Third quarter earnings were $10.9 million, an increase of 39% from the prior quarter, with diluted earnings per common share of $0.39 compared to $0.28 in the second quarter of 2010 and $0.28 in the third quarter of 2009.

• Mortgage banking activities resulted in net revenue of $1.6 million in the third quarter of 2010 compared to $0.2 million in the second quarter of 2010.

• Nonperforming assets remain stable at 2.45% of total loans plus OREO compared to 2.41% in the second quarter of 2010 and down from 2.64% in the third quarter of 2009.

• Net interest margin increased to 4.09%, an improvement of four basis points from the prior quarter and 15 basis points from the third quarter of 2009.

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S&T Earnings Release - 2

S&T Bancorp, Inc. Announces Improved Third Quarter Earnings (cont.)

“We are extremely pleased to deliver a positive quarter with improved results to our shareholders,” said Brice. “Overall, the business performed very well for the quarter, including a strong performance from our mortgage banking business. We continue to see signs of stabilization in our loan portfolio as evidenced by improving asset quality metrics. At the same time, we remain focused on the challenges that lie ahead as we move forward in these unprecedented times.”

Net Interest Income

Net interest income on a fully taxable equivalent basis for the third quarter of 2010 was $38.1 million compared to $37.8 million in the second quarter of 2010 and $38.1 million in the third quarter of 2009. The net interest margin on a fully taxable equivalent basis increased to 4.09% in the third quarter compared to 4.05% in the second quarter of 2010 and 3.94% in the third quarter of 2009. Net interest income remains strong despite declines in average loans of $24.8 million and average securities of $27.0 million from the second quarter of 2010. The increase in net interest margin is a result of lower deposit costs and an increase in interest collected on nonperforming loans.

Noninterest Income

Noninterest income increased to $12.3 million compared to $11.4 million in the second quarter of 2010 and $10.3 million in the third quarter of 2009. The increase is primarily a result of mortgage banking activities including net derivative gains and higher loan sales. Net gains on our mortgage derivatives of $0.7 million were reported in the third quarter compared to a loss in the second quarter of $0.1 million. Gains on loan sales increased to $0.5 million from the prior quarter gains of $0.2 million due to a higher volume of loan activity and an improvement on the pricing of mortgage sales. Mortgage banking gains were offset by a decrease in NSF fees of $0.2 million and a decrease in letter of credit fees of $0.3 million from the second quarter of 2010.

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S&T Earnings Release - 3

S&T Bancorp, Inc. Announces Improved Third Quarter Earnings (cont.)

Asset Quality

Nonperforming assets remain stable at $82.7 million or 2.45% of total loans plus other real estate owned (“OREO”) compared to $82.0 million or 2.41% in the second quarter of 2010 and down from $91.2 million or 2.64% in the third quarter of 2009. Included in nonperforming assets were troubled debt restructurings (TDRs) of $14.6 million. These TDRs are a result of our efforts to work directly with our customers in these challenging times. Delinquency improved for the third quarter with total portfolio delinquency at 2.69% compared to 3.10% in the second quarter of 2010 and 3.57% in the third quarter of 2009. Further, criticized and classified assets decreased $31.8 million or 8.7% from the second quarter of 2010.

“We are encouraged by the improving asset quality metrics that we experienced in the third quarter. Our focus remains on resolving these problem credits and moving them out of the portfolio as quickly and favorably as possible,” Brice said.

The provision for loan losses was $8.3 million for the third quarter compared to $9.1 million for the second quarter of 2010 and $8.4 million in the third quarter of 2009. Net charge-offs were $6.0 million for the third quarter compared to $18.2 million in the second quarter and $5.4 million in the third quarter of 2009.

The allowance for loan losses at September 30, 2010 was $56.3 million or 1.67% of total loans, as compared to $54.0 million or 1.59% at June 30, 2010 and $60.9 million or 1.77% at September 30, 2009. The allowance to nonperforming loans was 75% at September 30, 2010, 70% at June 30, 2010 and 70% at September 30, 2009. Included in the allowance is $10.5 million of specific reserves compared to $8.0 million in the second quarter of 2010 and $17.9 million in the third quarter of 2009.

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S&T Earnings Release - 4

S&T Bancorp, Inc. Announces Improved Third Quarter Earnings (cont.)

Noninterest Expense

Noninterest expense for the third quarter was $25.0 million compared to $25.7 million for the second quarter of 2010 and $24.8 million for the third quarter of 2009. The decrease from the second quarter of 2010 primarily relates to a reduction in the reserve for unfunded loan commitments of $0.9 million compared to a reduction recorded in the second quarter of $0.4 million. The reduction in the reserve is a result of a decrease in volume in unfunded commitments. Additionally, there was a $0.5 million reduction in legal expenses due to onetime legal costs incurred in the second quarter of 2010. These decreases were offset by a write-off of an uncollectible receivable related to excess expenses of $0.9 million for a mutual fund advised by an affiliate, compared to a write-off in the second quarter of 2010 of $0.4 million. The entire remaining receivable was written off in this quarter.

Financial Condition

Total assets were $4.1 billion at September 30, 2010 and June 30, 2010 compared to $4.2 billion at September 30, 2009. The decrease from September 30, 2009 is attributable to lower loan balances due to pay-offs and charge-offs outpacing customer demand and also lower investment balances. Total loans remain at $3.4 billion at September 30, 2010, June 30, 2010 and September 30, 2009. Total commercial loans are down $24.2 million from the previous quarter and $54.7 million from September 30, 2009.

Total deposits were $3.3 billion at September 30, 2010, June 30, 2010 and September 30, 2009. Demand deposits remain strong at $743.5 million as of September 30, 2010 compared to $732.6 million at June 30, 2010 and $673.9 million at September 30, 2009. Total borrowings decreased to $168.7 million at September 30, 2010 from $227.2 million at June 30, 2010 and have decreased from $330.8 million at September 30, 2009. Stable deposits and declines in earning assets have resulted in reductions in borrowings.

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S&T Earnings Release - 5

S&T Bancorp, Inc. Announces Improved Third Quarter Earnings (cont.)

S&T’s capital ratios continue to improve and exceed the “well-capitalized” thresholds of federal bank regulatory agencies with a tier 1 leverage capital ratio of 10.92%, tier 1 risk-based capital ratio of 12.97% and total risk-based capital ratio of 16.35%. The increase in capital ratios is attributable to earnings retention and a reduction in risk-weighted assets. S&T’s tangible common equity ratio increased to 7.53% compared to 7.23% for the second quarter of 2010 and 6.48% for the third quarter of 2009.

About S&T Bancorp, Inc.

Headquartered in Indiana, PA, S&T Bancorp, Inc. operates 53 offices within Allegheny, Armstrong, Blair, Butler, Cambria, Clarion, Clearfield, Indiana, Jefferson and Westmoreland counties. With assets of $4.1 billion, S&T Bancorp, Inc. stock trades on the NASDAQ Global Select Market System under the symbol STBA.

This information may contain forward-looking statements regarding future financial performance which are not historical facts and which involve risks and uncertainties. Actual results and performance could differ materially from those anticipated by these forward-looking statements. Factors that could cause such a difference include, but are not limited to, general economic conditions, change in interest rates, deposit flows, loan demand, asset quality, including real estate and other collateral values, and competition. In addition to the results of operations presented in accordance with Generally Accepted Accounting Principles (GAAP), S&T management uses and this press release contains or references, certain non-GAAP financial measures, such as net interest income on a fully taxable equivalent basis. S&T believes these non-GAAP financial measures provide information useful to investors in understanding our underlying operational performance and our business and performance trends as they facilitate comparisons with the performance of others in the financial services industry. Although S&T believes that these non-GAAP financial measures enhance investors’ understanding of S&T’s business and performance, these non-GAAP financial measures should not be considered an alternative to GAAP. A reconciliation of these non-GAAP financial measures is presented in the attached financial data spreadsheet. This information should be read in conjunction with the audited financial statements and analysis as presented in the Annual Report on Form 10-K for S&T Bancorp, Inc. and subsidiaries.

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S&T Earnings Release - 6

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(Dollars in thousands, except per share data)

	2010		2010		2009
	Third		Second		Third
	Quarter		Quarter		Quarter
Income Statements
Interest Income	$	45,325	$	45,561	$	48,310
Interest Expense		8,352		8,936		11,477
Net Interest Income		36,973		36,625		36,833
Taxable Equivalent Adjustment		1,137		1,194		1,284
Net Interest Income (FTE)		38,110		37,819		38,117
Provision For Loan Losses		8,278		9,127		8,382
Net Interest Income After Provisions (FTE)		29,832		28,692		29,735
Security Gains (Losses), Net		6		103		(2,059	)
Service Charges and Fees		2,974		3,166		3,305
Wealth Management		1,861		1,916		1,920
Insurance		2,125		1,964		2,020
Other		5,369		4,380		3,038
Total Noninterest Income		12,329		11,426		10,283
Salaries and Employee Benefits		11,887		11,811		12,284
Occupancy and Equipment Expense, Net		2,863		2,987		2,882
Data Processing Expense		1,547		1,451		1,565
FDIC Expense		1,359		1,398		1,526
Other		7,292		8,088		6,582
Total Noninterest Expense		24,948		25,735		24,839
Income Before Taxes		17,219		14,486		13,120
Taxable Equivalent Adjustment		1,137		1,194		1,284
Applicable Income Taxes		3,600		3,888		2,578
Net Income		12,482		9,404		9,258
Preferred Stock Dividends		1,551		1,549		1,543
Net Income Available to Common Shareholders	$	10,931	$	7,855	$	7,715
Per Common Share Data:
Shares Outstanding at End of Period		27,849,171		27,819,757		27,684,807
Average Shares Outstanding - Diluted		27,812,637		27,797,206		27,695,205
Diluted Earnings Per Share	$	0.39	$	0.28	$	0.28
Dividends Declared	$	0.15	$	0.15	$	0.15
Common Book Value	$	16.83	$	16.55	$	15.77
Tangible Common Book Value(1)	$	10.61	$	10.31	$	9.44
Market Value	$	17.42	$	19.76	$	12.96

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S&T Earnings Release - 7

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(Dollars in thousands, except per share data)

	For the Nine Months Ended September 30,
	2010		2009
Income Statements
Interest Income	$	136,209	$	147,961
Interest Expense		26,697		38,434
Net Interest Income		109,512		109,527
Taxable Equivalent Adjustment		3,552		3,929
Net Interest Income (FTE)		113,064		113,456
Provision For Loan Losses		21,835		61,954
Net Interest Income After Provisions (FTE)		91,229		51,502
Security Gains (Losses), Net		263		(4,601	)
Service Charges and Fees		9,111		9,593
Wealth Management		5,761		5,575
Insurance		6,457		5,867
Other		13,616		11,263
Total Noninterest Income		34,945		32,298
Salaries and Employee Benefits		36,263		36,637
Occupancy and Equipment Expense, Net		8,923		8,987
Data Processing Expense		4,601		4,575
FDIC Expense		4,059		6,914
Other		24,769		25,927
Total Noninterest Expense		78,615		83,040
Income (Loss) Before Taxes		47,822		(3,841	)
Taxable Equivalent Adjustment		3,552		3,929
Applicable Income Taxes		11,080		(6,530	)
Net Income (Loss)		33,190		(1,240	)
Preferred Stock Dividends		4,648		4,368
Net Income (Loss) Available to Common Shareholders	$	28,542	($	5,608	)
Per Common Share Data:
Average Shares Outstanding - Diluted		27,789,910		27,654,570
Diluted Earnings (Loss) Per Share	$	1.03	($	0.20	)
Dividends Declared	$	0.45	$	0.61

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S&T Earnings Release - 8

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(Dollars in thousands)

	2010				2010				2009
	Third				Second				Third
	Quarter				Quarter				Quarter
Balance Sheet (Period-End)
Assets
Cash	$	88,157			$	71,150			$	68,111
Securities		301,260				339,737				389,980
Loans, Net		3,314,702				3,342,761				3,385,466
Other Assets		393,989				385,590				364,667
Total Assets	$	4,098,108			$	4,139,238			$	4,208,224
Liabilities and Shareholders’ Equity
Noninterest-bearing Deposits	$	743,453			$	732,618			$	673,863
Interest-bearing Deposits		2,561,117				2,564,578				2,605,921
Short-term Borrowings		48,189				96,246				143,980
Long-term Debt		120,468				130,947				186,772
Other Liabilities		50,374				48,646				56,006
Shareholders’ Equity		574,507				566,203				541,682
Total Liabilities and Shareholders’ Equity	$	4,098,108			$	4,139,238			$	4,208,224
Net Interest Margin (Quarterly Averages)
Assets
Loans - FTE	$	3,377,607	5.10	%	$	3,402,494	5.12	%	$	3,439,700	5.25	%
Securities/Other - FTE		315,823	3.82	%		342,813	3.89	%		397,106	4.11	%
Total Interest-earning Assets		3,693,430	4.99	%		3,745,307	5.01	%		3,836,806	5.13	%
Noninterest-earning Assets		412,247				390,075				371,160
Total Assets	$	4,105,677			$	4,135,382			$	4,207,966
Liabilities and Shareholders’ Equity
Now/Money Market/Savings	$	1,250,278	0.24	%	$	1,280,421	0.28	%	$	1,190,637	0.39	%
Certificates of Deposits		1,309,880	1.89	%		1,308,614	2.01	%		1,413,302	2.20	%
Borrowed funds < 1 year		62,011	0.24	%		74,779	0.36	%		162,450	0.34	%
Borrowed funds > 1 year		121,218	4.26	%		135,906	4.13	%		199,945	4.63	%
Total Interest-bearing Liabilities		2,743,387	1.21	%		2,799,720	1.28	%		2,966,334	1.54	%
Noninterest-bearing Liabilities:
Demand Deposits		743,265				728,517				647,325
Shareholders’ Equity/Other		619,025				607,145				594,307
Total Noninterest-bearing Liabilities		1,362,290				1,335,662				1,241,632
Total Liabilities and Shareholders’ Equity	$	4,105,677			$	4,135,382			$	4,207,966
Net Yield on Interest-Earning Assets			4.09	%			4.05	%			3.94	%

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S&T Earnings Release - 9

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(Dollars in thousands)

	2010					2010					2009
	Third					Second					Third
	Quarter					Quarter					Quarter
Loans (Period-End)
Consumer
Home Equity	$	451,275				$	451,274				$	459,190
Residential Mortgage		365,390					363,660					367,743
Consumer Installment		76,148					76,755					81,454
Construction		6,946					9,624					12,029
Total Consumer Loans		899,759					901,313					920,416
Commercial
Commercial Real Estate		1,436,971					1,424,212					1,425,552
Commercial & Industrial		728,091					734,077					747,656
Construction		306,162					337,127					352,723
Total Commercial Loans		2,471,224					2,495,416					2,525,931
Total Loans	$	3,370,983				$	3,396,729				$	3,446,347
			% NPL					% NPL					% NPL
Nonperforming Loans (NPL)
Consumer
Home Equity	$	1,700		0.38	%	$	1,777		0.39	%	$	2,190		0.48	%
Residential Mortgage		5,159		1.41	%		7,398		2.03	%		5,302		1.44	%
Consumer Installment		89		0.12	%		93		0.12	%		46		0.06	%
Construction		530		7.63	%		—		—			—		—
Total Consumer Loans		7,478		0.83	%		9,268		1.03	%	$	7,538		0.82	%
Commercial
Commercial Real Estate		51,792		3.60	%		51,070		3.59	%		38,734		2.72	%
Commercial & Industrial		8,469		1.16	%		2,265		0.31	%		12,595		1.68	%
Construction		7,600		2.48	%		14,686		4.36	%		27,587		7.82	%
Total Commercial Loans		67,861		2.75	%		68,021		2.73	%		78,916		3.12	%
Total Nonperforming Loans	$	75,339		2.23	%	$	77,289		2.28	%	$	86,454		2.51	%
Construction and Commercial Real Estate (CRE) by Location
Pennsylvania	$	1,382,894				$	1,404,508				$	1,450,293
New York		102,315					101,741					90,006
Ohio		70,363					78,244					74,451
West Virginia		21,852					15,994					11,834
Tennessee		20,379					17,917					12,647
Southeast Region		54,802					49,442					48,530
Southwest Region		30,547					32,735					30,061
Midwest Region		23,417					26,141					24,035
Western Region		13,170					13,207					12,645
Mid-Atlantic Region		12,327					11,925					12,296
New England		11,067					9,485					11,477
Total Construction and CRE by Location	$	1,743,133				$	1,761,339				$	1,778,275

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S&T Earnings Release - 10

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(Dollars in thousands)

	2010					2010					2009
	Third					Second					Third
	Quarter					Quarter					Quarter
			% NPL					% NPL					% NPL
Construction and Commercial Real Estate - NPL by Location
Pennsylvania	$	45,760		3.31	%	$	50,100		3.57	%	$	43,342		2.99	%
New York		1,815		1.77	%		3,253		3.20	%		10,560		11.73	%
Ohio		—		—			—		—			—		—
West Virginia		—		—			—		—			—		—
Tennessee		—		—			—		—			—		—
Southeast Region		2,457		4.48	%		2,534		5.13	%		1,836		3.78	%
Southwest Region		1,406		4.60	%		3,522		10.76	%		2,318		7.71	%
Midwest Region		—		—			—		—			—		—
Western Region		—		—			—		—			—		—
Mid-Atlantic Region		—		—			—		—			—		—
New England		7,954		71.87	%		6,347		66.92	%		8,265		72.01	%
Total Construction and CRE - NPL by Location	$	59,392		3.41	%	$	65,756		3.73	%	$	66,321		3.73	%
Construction and Commercial Real Estate by Type
Retail/Strip Malls	$	298,956				$	297,864				$	311,885
Offices		227,663					224,011					242,321
Residential Rental Properties		218,436					285,705					261,573
Hotels		195,841					192,416					153,065
Manufacturing/Industrial/Warehouse		128,820					137,427					126,222
Flex/Mixed Use		112,081					102,616					101,811
Real Estate Development - Commercial		103,110					104,927					104,476
Real Estate Development - Residential		92,855					74,799					96,716
Healthcare/Education		91,755					94,648					95,977
Miscellaneous		273,616					246,926					284,229
Total Construction and CRE by Type	$	1,743,133				$	1,761,339				$	1,778,275
			% NPL					% NPL					% NPL
Construction and Commercial Real Estate - NPL by Type
Retail/Strip Malls	$	3,866		1.29	%	$	5,463		1.83	%	$	6,568		2.11	%
Offices		3,036		1.33	%		1,868		0.83	%		1,195		0.49	%
Residential Rental Properties		12,653		5.79	%		15,706		5.50	%		4,524		1.73	%
Hotels		2,562		1.31	%		3,562		1.85	%		2,095		1.37	%
Manufacturing/Industrial/Warehouse		555		0.43	%		3,634		2.64	%		—		—
Flex/Mixed Use		3,182		2.84	%		2,375		2.31	%		1,655		1.63	%
Real Estate Development - Commercial		9,181		8.90	%		7,449		7.10	%		12,165		11.64	%
Real Estate Development - Residential		4,965		5.35	%		5,079		6.79	%		14,445		14.94	%
Healthcare/Education		3,951		4.31	%		3,423		3.62	%		3,939		4.10	%
Miscellaneous		15,440		5.64	%		17,197		6.96	%		19,735		6.94	%
Total Construction and CRE - NPL by Type	$	59,391		3.41	%	$	65,756		3.73	%	$	66,321		3.73	%

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S&T Earnings Release - 11

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(Dollars in thousands, except per share data)

	2010			2010			2009
	Third			Second			Third
	Quarter			Quarter			Quarter
Asset Quality Data
Nonaccrual Loans and Nonperforming Loans	$	75,339		$	77,289		$	86,454
Assets Acquired through Foreclosure or Repossession		7,367			4,737			4,745
Nonperforming Assets		82,706			82,026			91,199
Allowance for Loan Losses		56,281			53,968			60,880
Nonperforming Loans / Loans		2.23	%		2.28	%		2.51	%
Nonperforming Assets / Loans plus OREO		2.45	%		2.41	%		2.64	%
Allowance for Loan Losses / Loans		1.67	%		1.59	%		1.77	%
Allowance for Loan Losses / Nonperforming Loans		75	%		70	%		70	%
Net Loan Charge-offs (Recoveries)		5,965			18,182			5,376
Net Loan Charge-offs (Recoveries) (Annualized) / Average Loans		0.70	%		2.14	%		0.62	%
Profitability Ratios (Annualized)
Common Return on Average Assets		1.06	%		0.76	%		0.73	%
Common Return on Average Tangible Assets (2)		1.10	%		0.80	%		0.76	%
Common Return on Average Common Equity		7.61	%		5.60	%		5.67	%
Common Return on Average Tangible Common Equity(3)		14.93	%		11.12	%		11.75	%
Efficiency Ratio (FTE)(4)		49.46	%		52.26	%		51.32	%
Capitalization Ratios
Dividends Paid to Net Income		38.18	%		53.08	%		53.77	%
Common Equity / Assets		11.43	%		11.12	%		10.37	%
Leverage Ratio		10.92	%		10.64	%		9.92	%
Risk Based Capital - Tier I		12.97	%		12.52	%		11.57	%
Risk Based Capital - Total		16.35	%		15.87	%		14.86	%
Tangible Common Equity / Tangible Assets (5)		7.53	%		7.23	%		6.48	%
				For the Nine Months Ended September 30,
				2010			2009
Asset Quality Data
Net Loan Charge-offs (Recoveries)					25,134			43,763
Net Loan Charge-offs (Recoveries) (Annualized) / Average Loans					0.99	%		1.67	%
Profitability Ratios (Annualized)
Common Return on Average Assets					0.92	%		-0.17	%
Common Return on Average Tangible Assets(6)					0.97	%		-0.18	%
Common Return on Average Common Equity					6.78	%		-1.38	%
Common Return on Average Tangible Common Equity(7)					13.47	%		-2.78	%
Efficiency Ratio (FTE)(4)					53.12	%		56.97	%
Capitalization Ratios
Dividends Paid to Net Income (Loss)					43.81	%		-379.37	%

- more -

S&T Earnings Release - 12

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(Dollars in thousands, except per share data)

	2010			2010			2009
	Third			Second			Third
	Quarter			Quarter			Quarter
Definitions and Reconciliation of GAAP to Non-GAAP Financial Measures:
(1) Tangible Common Book Value
Common Book Value (GAAP Basis)	$	16.83		$	16.55		$	15.77
Effect of Excluding Intangible Assets		(6.22	)		(6.24	)		(6.33	)
Tangible Common Book Value	$	10.61		$	10.31		$	9.44
(2) Common Return on Average Tangible Assets
Common Return on Average Assets (GAAP Basis)		1.06	%		0.76	%		0.73	%
Effect of Excluding Intangible Assets		0.04	%		0.04	%		0.03	%
Common Return on Average Tangible Assets		1.10	%		0.80	%		0.76	%
(3) Common Return on Average Tangible Common Equity
Common Return on Average Common Equity (GAAP Basis)		7.61	%		5.60	%		5.67	%
Effect of Excluding Intangible Assets		3.99	%		3.02	%		3.38	%
Effect of Excluding Preferred Stock		3.33	%		2.50	%		2.70	%
Common Return on Average Tangible Common Equity		14.93	%		11.12	%		11.75	%
(4) Recurring noninterest expense divided by recurring noninterest income plus net interest income, on a fully taxable equivalent basis.
(5) Tangible Common Equity / Tangible Assets
Common Equity / Assets (GAAP Basis)		11.43	%		11.12	%		10.37	%
Effect of Excluding Intangible Assets		-3.90	%		-3.89	%		-3.89	%
Tangible Common Equity / Tangible Assets		7.53	%		7.23	%		6.48	%
				For the Nine Months Ended September 30,
				2010			2009
(6) Common Return on Average Tangible Assets
Common Return on Average Assets (GAAP Basis)					0.92	%		-0.17	%
Effect of Excluding Intangible Assets					0.05	%		-0.01	%
Common Return on Average Tangible Assets					0.97	%		-0.18	%
(7)Common Return on Average Tangible Common Equity
Common Return on Average Common Equity (GAAP Basis)					6.78	%		-1.38	%
Effect of Excluding Intangible Assets					3.66	%		-0.75	%
Effect of Excluding Preferred Stock					3.03	%		-0.65	%
Common Return on Average Tangible Common Equity					13.47	%		-2.78	%