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

Exhibit 99.1

FOR IMMEDIATE RELEASE July 25, 2011 Contact: Mark Kochvar Chief Financial Officer 724-465-4826

S&T Bancorp, Inc. Announces Increased Second 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 second quarter earnings.

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

• Net income available to common shareholders increased significantly from the prior quarter to $13.4 million with diluted earnings per common share of $0.48 compared to $0.17 in the first quarter of 2011 and $0.28 in the second quarter of 2010.

• Provision for loan losses was $1.1 million compared to $10.6 million in the first quarter of 2011 and $9.1 million in the second quarter of 2010.

• Nonperforming assets decreased to 2.18% of total loans plus OREO compared to 2.67% in the first quarter of 2011 and 2.41% in the second quarter of 2010.

“Improving asset quality and the resolution of several nonperforming loans have enabled us to report increased earnings for the second quarter of the year. We have devoted a significant amount of attention to this particular area of our business and the improvement in our asset quality metrics is a result of a lot of hard work by our team,” Brice said. “As we move into the second half of the year, S&T Bank remains well capitalized and positioned to take advantage of market opportunities. The Marcellus Shale Industry continues to have a positive impact on our Region, which is providing an overall benefit to many of our customers.”

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S&T Earnings Release - 2

S&T Bancorp, Inc. Announces Increased Second Quarter Earnings (cont.)

Net Interest Income

Net interest income on a fully taxable equivalent (FTE) basis for the second quarter of 2011 was $35.6 million compared to $35.9 million in the first quarter of 2011 and $37.8 million in the second quarter of 2010. Net interest income decreased from the first quarter due to a shift in asset mix, offset in part by one additional day in the second quarter of 2011. The shift in asset mix is due to a decrease of $76.6 million in average loan balances offset by a $73.9 million average balance increase in securities and excess cash at the Federal Reserve. Net interest margin (FTE) was 3.85% in the second quarter of 2011 compared to 3.92% in the first quarter of 2011 and 4.05% in the second quarter of 2010.

Asset Quality

Nonperforming assets decreased to $69.9 million or 2.18% of total loans plus other real estate owned (“OREO”) compared to $88.5 million or 2.67% in the first quarter of 2011 and from $82.0 million or 2.41% in the second quarter of 2010. Included in nonperforming assets were troubled debt restructurings (“TDRs”) of $26.2 million. The decrease in nonperforming assets primarily relates to $16.1 million of troubled debt restructurings being returned to accruing status as it is expected that all contractual amounts due under the restructured terms will be collected and a period of satisfactory payment performance has been achieved. Also contributing to the decrease in nonperforming loans is $8.8 million of loans transferred to held for sale that are excluded from nonperforming assets this quarter. These loans have been written down to the value of the loan sale agreement and are expected to close in the third quarter of 2011.

The provision for loan losses was $1.1 million for the second quarter of 2011 compared to $10.6 million for the first quarter of 2011 and $9.1 million in the second quarter of 2010. The lower level of provision for loan losses in the second quarter is due to improvement in special mention and substandard loans compared to deterioration in the first quarter of 2010 and a decline in specific reserves of $1.1 million. Net charge-offs were $4.8 million for the second quarter of 2011 compared to $0.4 million in the first quarter of 2011 and $18.2 million in the second quarter of 2010.

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S&T Earnings Release - 3

S&T Bancorp, Inc. Announces Increased Second Quarter Earnings (cont.)

The allowance for loan losses at June 30, 2011 was $58.0 million or 1.81% of total loans, as compared to $61.7 million or 1.87% at March 31, 2011 and $54.0 million or 1.59% at June 30, 2010. The allowance to nonperforming loans was 93% at June 30, 2011, 76% at March 31, 2011 and 70% at June 30, 2010. Included in the allowance is $7.5 million of specific reserves compared to $8.6 million in the first quarter of 2011 and $8.0 million in the second quarter of 2010.

Noninterest Income and Expense

Noninterest income was $11.2 million compared to $11.0 million in the first quarter of 2011 and $11.4 million in the second quarter of 2010. Noninterest income was relatively unchanged quarter over quarter as a result of minor improvements in various income accounts offset by a decrease in mortgage banking income due to declining mortgage originations and loan sales.

Noninterest expense for the second quarter was $25.6 million compared to $27.4 million for the first quarter of 2011 and $25.7 million for the second quarter of 2010. The $1.8 million improvement over the first quarter primarily relates to a decrease in salaries and benefits of $0.7 million due to higher payroll taxes in the first quarter of 2011, a $0.3 million decrease in FDIC expense as a result of the change in the FDIC assessment and reduced consulting and accounting expenses of $0.6 million.

Financial Condition

Total assets were $4.1 billion at June 30, 2011, March 31, 2011 and June 30, 2010. Total portfolio loans were $3.2 billion at June 30, 2011 compared to $3.3 billion at March 31, 2011 and $3.4 billion at June 30, 2010. Total portfolio loans have decreased $110.1 million from the prior quarter including $3.1 million in consumer loans and $107.0 million in commercial loans. The decreases primarily relate to higher than expected pay downs during the quarter and soft loan demand within our market. Total deposits were $3.3 billion at June 30, 2011, March 31, 2011 and June 30, 2010. Noninterest-bearing demand deposits remain strong at $801.5 million as of June 30, 2011 compared to $802.7 million at March 31, 2011 and $732.6 million at June 30, 2010.

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S&T Earnings Release - 4

S&T Bancorp, Inc. Announces Increased Second 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 ratio of 11.49%, tier 1 risk- based capital ratio of 14.31% and total risk-based capital ratio of 17.83%. The increase in capital ratios in the second quarter of 2011 is primarily attributable to a reduction in risk-weighted assets and earnings retention. S&T’s tangible common equity ratio was 8.08% compared to 7.70% for the first quarter of 2011 and 7.23% for the second quarter of 2010.

About S&T Bancorp, Inc.

Headquartered in Indiana, PA, S&T Bancorp, Inc. operates 50 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 consolidated selected 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 - 5

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(in thousands, except per share data)

	2011			2011		2010
	Second Quarter			First Quarter		Second Quarter
Income Statements
Interest Income	$	41,783		$	42,192	$	45,561
Interest Expense		7,245			7,320		8,936
Net Interest Income		34,538			34,872		36,625
Taxable Equivalent Adjustment		1,014			1,038		1,194
Net Interest Income (FTE)		35,552			35,910		37,819
Provision For Loan Losses		1,097			10,640		9,127
Net Interest Income After Provisions (FTE)		34,455			25,270		28,692
Security (Losses) Gains, Net		(56	)		13		103
Service Charges and Fees		2,389			2,285		3,027
Wealth Management		2,144			2,050		1,916
Insurance		2,181			2,132		1,964
Other		4,456			4,546		4,519
Total Noninterest Income		11,170			11,013		11,426
Salaries and Employee Benefits		12,571			13,320		11,811
Occupancy and Equipment Expense, Net		3,103			3,033		2,972
Data Processing Expense		1,681			1,504		1,451
FDIC Expense		917			1,226		1,398
Other		7,322			8,366		8,103
Total Noninterest Expense		25,594			27,449		25,735
Income Before Taxes		19,975			8,847		14,486
Taxable Equivalent Adjustment		1,014			1,038		1,194
Applicable Income Taxes		4,051			1,514		3,888
Net Income		14,910			6,295		9,404
Preferred Stock Dividends		1,558			1,555		1,549
Net Income Available to Common Shareholders	$	13,352		$	4,740	$	7,855
Per Common Share Data:
Shares Outstanding at End of Period		28,078,849			28,033,757		27,819,757
Average Shares Outstanding – Diluted		27,983,706			27,957,002		27,797,206
Diluted Earnings Per Share	$	0.48		$	0.17	$	0.28
Dividends Declared	$	0.15		$	0.15	$	0.15
Common Book Value	$	17.31		$	16.90	$	16.55
Tangible Common Book Value(1)	$	11.19		$	10.76	$	10.31
Market Value	$	18.59		$	21.57	$	19.76

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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)

	For the Six Months Ended June 30,
	2011			2010
Income Statements
Interest Income	$	83,975		$	90,885
Interest Expense		14,565			18,345
Net Interest Income		69,410			72,540
Taxable Equivalent Adjustment		2,052			2,416
Net Interest Income (FTE)		71,462			74,956
Provision For Loan Losses		11,737			13,557
Net Interest Income After Provisions (FTE)		59,725			61,399
Security (Losses) Gains, Net		(43	)		257
Service Charges and Fees		4,673			5,864
Wealth Management		4,194			3,900
Insurance		4,313			4,332
Other		9,003			8,519
Total Noninterest Income		22,183			22,615
Salaries and Employee Benefits		25,891			24,376
Occupancy and Equipment Expense, Net		6,137			6,029
Data Processing Expense		3,185			3,054
FDIC Expense		2,143			2,699
Other		15,687			17,508
Total Noninterest Expense		53,043			53,666
Income Before Taxes		28,822			30,605
Taxable Equivalent Adjustment		2,052			2,416
Applicable Income Taxes		5,565			7,481
Net Income		21,205			20,708
Preferred Stock Dividends		3,113			3,096
Net Income Available to Common Shareholders	$	18,092		$	17,612
Per Common Share Data:
Average Shares Outstanding – Diluted		27,941,371			27,779,963
Net Income – Diluted	$	0.65		$	0.63
Dividends Declared	$	0.30		$	0.30

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S&T Earnings Release - 7

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(in thousands)

	2011				2011				2010
	Second Quarter				First Quarter				Second Quarter
Net Interest Margin (Quarterly Averages)
Assets
Loans – FTE	$	3,247,998	4.89	%	$	3,324,606	4.92	%	$	3,402,494	5.12	%
Securities/Other – FTE		458,720	2.76	%		384,796	3.02	%		342,813	3.89	%
Total Interest-earning Assets		3,706,718	4.63	%		3,709,402	4.72	%		3,745,307	5.01	%
Noninterest-earning Assets		368,763				378,012				390,075
Total Assets	$	4,075,481			$	4,087,414			$	4,135,382
Liabilities and Shareholders’ Equity
Now/Money Market/Savings	$	1,268,085	0.16	%	$	1,295,224	0.18	%	$	1,280,421	0.29	%
Certificates of Deposit		1,202,346	1.82	%		1,231,162	1.81	%		1,308,614	2.01	%
Borrowed funds < 1 year		43,465	0.14	%		42,582	0.14	%		74,779	0.36	%
Borrowed funds > 1 year		123,541	4.14	%		119,736	4.21	%		135,906	4.13	%
Total Interest-bearing Liabilities		2,637,437	1.10	%		2,688,704	1.10	%		2,799,720	1.27	%
Noninterest-bearing Liabilities
Demand Deposits		804,199				767,581				728,517
Shareholders’ Equity/Other		633,845				631,129				607,145
Total Noninterest-bearing Liabilities		1,438,044				1,398,710				1,335,662
Total Liabilities and Shareholders’ Equity	$	4,075,481			$	4,087,414			$	4,135,382
Net Interest Margin			3.85	%			3.92	%			4.05	%
	2011				2011				2010
	Second Quarter				First Quarter				Second Quarter
Balance Sheets (Period-End)
Assets
Cash	$	170,826			$	108,855			$	71,150
Securities		357,750				352,783				339,737
Loans, Net		3,144,833				3,242,658				3,342,761
Other Assets		384,881				385,758				385,590
Total Assets	$	4,058,290			$	4,090,054			$	4,139,238
Liabilities and Shareholders’ Equity
Noninterest-bearing Deposits	$	801,504			$	802,748			$	732,618
Interest-bearing Deposits		2,452,479				2,503,091				2,564,578
Short-term Borrowings		41,112				38,270				96,246
Long-term Debt		123,378				119,593				130,947
Other Liabilities		47,280				46,237				48,646
Shareholders’ Equity		592,537				580,115				566,203
Total Liabilities and Shareholders’ Equity	$	4,058,290			$	4,090,054			$	4,139,238

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S&T Earnings Release - 8

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(in thousands)

	2011				2011				2010
	Second Quarter				First Quarter				Second Quarter
Loans (Period-End)
Consumer
Home Equity	$	431,763			$	436,357			$	451,274
Residential Mortgage		345,698				342,904				359,824
Installment		70,171				70,573				76,755
Construction		3,365				4,322				9,624
Total Consumer Loans		850,997				854,156				897,477
Commercial
Commercial Real Estate		1,441,813				1,488,700				1,424,212
Commercial & Industrial		690,956				713,683				734,077
Construction		208,111				245,477				337,127
Total Commercial Loans		2,340,880				2,447,860				2,495,416
Total Portfolio Loans		3,191,877				3,302,016				3,392,893
Loans Held for Sale		10,960				2,305				3,836
Total Loans	$	3,202,837			$	3,304,321			$	3,396,729
	2011				2011				2010
	Second Quarter				First Quarter				Second Quarter
Nonperforming Loans (NPL)
Consumer			% NPL				% NPL				% NPL
Home Equity	$	2,536	0.59	%	$	1,858	0.43	%	$	1,777	0.39	%
Residential Mortgage		6,155	1.78	%		5,337	1.56	%		7,398	2.06	%
Installment		6	0.01	%		25	0.04	%		93	0.12	%
Construction		—	—			—	—			—	—
Total Consumer Loans		8,697	1.02	%		7,220	0.85	%	$	9,268	1.03	%
Commercial
Commercial Real Estate		38,261	2.65	%		57,189	3.84	%		51,070	3.59	%
Commercial & Industrial		8,141	1.18	%		9,081	1.27	%		2,265	0.31	%
Construction		7,401	3.56	%		7,356	3.00	%		14,686	4.36	%
Total Commercial Loans		53,803	2.30	%		73,626	3.01	%		68,021	2.73	%
Total Nonperforming Loans	$	62,500	1.96	%	$	80,846	2.45	%	$	77,289	2.28	%

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S&T Earnings Release - 9

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(in thousands)

	2011				2011				2010
	Second Quarter				First Quarter				Second Quarter
Construction and Commercial Real Estate (CRE) PA vs. Out-of-state
Pennsylvania	$	1,326,843			$	1,375,688			$	1,404,508
Out-of-state		323,081				358,489				356,831
Total Construction and CRE PA vs. Out-of-state	$	1,649,924			$	1,734,177			$	1,761,339
	2011				2011				2010
	Second Quarter				First Quarter				Second Quarter
Construction and CRE – NPL PA vs. Out-of-state			% NPL				% NPL				% NPL
Pennsylvania	$	44,243	3.33	%	$	43,799	3.18	%	$	50,100	3.57	%
Out-of-state		1,419	0.44	%		20,746	5.79	%		15,656	4.39	%
Total Construction and CRE – NPL PA vs. Out-of-state	$	45,662	2.77	%	$	64,545	3.72	%	$	65,756	3.73	%
	2011				2011				2010
	Second Quarter				First Quarter				Second Quarter
Construction and CRE by Type
Retail/Strip Malls	$	285,743			$	297,339			$	297,864
Offices		221,042				226,163				224,011
Residential Rental Properties		220,674				237,879				285,705
Hotels		184,658				194,543				192,416
Healthcare/Education		109,479				108,472				94,648
Flex/Mixed Use		107,011				113,483				102,616
Real Estate Development – Commercial		100,069				93,301				104,927
Manufacturing/Industrial/Warehouse		95,750				117,857				137,427
Real Estate Development – Residential		69,763				81,956				74,799
Miscellaneous		255,735				263,184				246,926
Total Construction and CRE by Type	$	1,649,924			$	1,734,177			$	1,761,339
	2011				2011				2010
	Second Quarter				First Quarter				Second Quarter
Construction and CRE – NPL by Type			% NPL				% NPL				% NPL
Retail/Strip Malls	$	2,882	1.01	%	$	3,031	1.02	%	$	5,463	1.83	%
Offices		6,592	2.98	%		2,768	1.22	%		1,868	0.83	%
Residential Rental Properties		4,618	2.09	%		10,971	4.61	%		15,706	5.50	%
Hotels		1,452	0.79	%		13,585	6.98	%		3,562	1.85	%
Healthcare/Education		813	0.74	%		818	0.75	%		3,423	3.62	%
Flex/Mixed Use		0	0.00	%		2,388	2.10	%		2,375	2.31	%
Real Estate Development – Commercial		1,144	1.14	%		5,968	6.40	%		7,449	7.10	%
Manufacturing/Industrial/Warehouse		4,414	4.61	%		3,592	3.05	%		3,634	2.64	%
Real Estate Development – Residential		7,566	10.85	%		6,073	7.41	%		5,079	6.79	%
Miscellaneous		16,181	6.33	%		15,351	5.83	%		17,197	6.96	%
Total Construction and CRE – NPL by Type	$	45,662	2.77	%	$	64,545	3.72	%	$	65,756	3.73	%

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S&T Earnings Release - 10

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(in thousands)

	2011		2011		2010
	Second		First		Second
	Quarter		Quarter		Quarter
Commercial Credit Exposure
Pass
Commercial Real Estate	$	1,235,019	$	1,250,149	$	1,197,569
Commercial & Industrial		584,715		610,750		649,008
Construction		163,453		201,984		282,043
Total Pass	$	1,983,187	$	2,062,883	$	2,128,620
Special Mention
Commercial Real Estate	$	84,351	$	98,780	$	126,634
Commercial & Industrial		62,759		57,460		67,663
Construction		12,310		10,534		21,481
Total Special Mention	$	159,420	$	166,774	$	215,778
Substandard
Commercial Real Estate	$	122,443	$	139,771	$	100,009
Commercial & Industrial		43,482		45,473		17,406
Construction		32,348		32,959		33,603
Total Substandard	$	198,273	$	218,203	$	151,018

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S&T Earnings Release - 11

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

(in thousands)

	2011			2011			2010
	Second			First			Second
	Quarter			Quarter			Quarter
Asset Quality Data
Nonaccrual Loans and Nonperforming Loans	$	62,500		$	80,846		$	77,289
Assets Acquired through Foreclosure or Repossession		7,389			7,696			4,737
Nonperforming Assets		69,889			88,542			82,026
Troubled Debt Restructurings (nonaccrual)		26,186			34,943			—
Troubled Debt Restructurings (accruing)		19,829			3,310			—
Total Troubled Debt Restructurings		46,015			38,253			—
Allowance for Loan Losses		58,004			61,663			53,968
Nonperforming Loans / Loans		1.95	%		2.45	%		2.28	%
Nonperforming Assets / Loans plus OREO		2.18	%		2.67	%		2.41	%
Allowance for Loan Losses / Loans		1.81	%		1.87	%		1.59	%
Allowance for Loan Losses / Nonperforming Loans		93	%		76	%		70	%
Net Loan Charge-offs (Recoveries)		4,756			364			18,182
Net Loan Charge-offs (Recoveries) (Annualized) / Average Loans		0.59	%		0.04	%		2.14	%
Profitability Ratios (Annualized)
Common Return on Average Assets		1.31	%		0.47	%		0.76	%
Common Return on Average Tangible Assets (2)		1.37	%		0.49	%		0.80	%
Common Return on Average Equity		9.15	%		3.31	%		5.60	%
Common Return on Average Tangible Common Equity(3)		17.47	%		6.35	%		11.12	%
Efficiency Ratio (FTE)(4)		54.78	%		58.50	%		52.26	%
Capitalization Ratios
Dividends Paid to Net Income		31.52	%		88.46	%		53.08	%
Common Equity / Assets		11.98	%		11.58	%		11.12	%
Tier 1 Leverage Ratio		11.49	%		11.19	%		10.64	%
Risk-Based Capital – Tier 1		14.31	%		13.54	%		12.52	%
Risk-Based Capital – Total		17.83	%		16.99	%		15.87	%
Tangible Common Equity / Tangible Assets (5)		8.08	%		7.70	%		7.23	%
				For the Six Months Ended June 30,
				2011			2010
Asset Quality Data
Net Loan Charge-offs (Recoveries)					5,120			19,169
Net Loan Charge-offs (Recoveries) (Annualized) / Average Loans					0.31	%		1.14	%
Profitability Ratios (Annualized)
Common Return on Average Assets					0.89	%		0.86	%
Common Return on Average Tangible Common Assets(6)					0.93	%		0.90	%
Common Return on Average Shareholders’ Equity					6.26	%		6.35	%
Common Return on Average Tangible Common Equity(7)					11.98	%		12.70	%
Efficiency Ratio (FTE)(4)					56.64	%		55.00	%
Capitalization Ratios
Dividends Paid to Net Income					46.43	%		47.31	%

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S&T Earnings Release - 12

S&T Bancorp, Inc.

Consolidated Selected Financial Data

Unaudited

	2011			2011			2010
	Second			First			Second
	Quarter			Quarter			Quarter
Definitions and Reconciliation of GAAP to Non-GAAP Financial Measures:
(1) Tangible Common Book Value
Common Book Value (GAAP Basis)	$	17.31		$	16.90		$	16.55
Effect of Excluding Intangible Assets		(6.12	)		(6.14	)		(6.24	)
Tangible Common Book Value	$	11.19		$	10.76		$	10.31
(2) Common Return on Average Tangible Assets
Common Return on Average Assets (GAAP Basis)		1.31	%		0.47	%		0.76	%
Effect of Excluding Intangible Assets		0.06	%		0.02	%		0.04	%
Common Return on Average Tangible Assets		1.37	%		0.49	%		0.80	%
(3) Common Return on Average Tangible Common Equity
Common Return on Average Common Equity (GAAP Basis)		9.15	%		3.31	%		5.60	%
Effect of Excluding Intangible Assets		4.50	%		1.65	%		3.02	%
Effect of Excluding Preferred Stock		3.82	%		1.39	%		2.50	%
Common Return on Average Tangible Common Equity		17.47	%		6.35	%		11.12	%
(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)		11.98	%		11.58	%		11.12	%
Effect of Excluding Intangible Assets		-3.90	%		-3.88	%		-3.89	%
Tangible Common Equity / Tangible Assets		8.08	%		7.70	%		7.23	%
				For the Six Months Ended June 30,
				2011			2010
(6) Common Return on Average Tangible Common Assets
Common Return on Average Assets (GAAP Basis)					0.89	%		0.86	%
Effect of Excluding Intangible Assets					0.04	%		0.04	%
Common Return on Average Tangible Common Assets					0.93	%		0.90	%
(7)Common Return on Average Tangible Common Equity
Common Return on Average Shareholders’ Equity (GAAP Basis)					6.26	%		6.35	%
Effect of Excluding Intangible Assets					3.10	%		3.48	%
Effect of Excluding Preferred Stock					2.62	%		2.87	%
Common Return on Average Tangible Common Equity					11.98	%		12.70	%

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