First Community Bankshares (FCBC) 8-K First Community Bancshares, Inc. Announces Second Quarter 2005 Results

EXHIBIT 99.1

NEWS RELEASE

FOR IMMEDIATE RELEASE:	FOR MORE INFORMATION,
July 27, 2005	CONTACT:Robert L. Schumacher
	(276) 326-9000

First Community Bancshares, Inc. Announces Second Quarter 2005 Results

     Bluefield, Virginia – First Community Bancshares, Inc. (NASDAQ): FCBC;(www.fcbinc.com) today reported earnings of $6.2 million for the second quarter of 2005, or $0.55 basic and diluted earnings per share. This compares favorably to, and is an 8.5% increase from, second quarter 2004 earnings of $5.7 million, or $0.50 diluted earnings per share. Net income for the first six months of 2005 increased 23% to $12.2 million, or $1.07 diluted earnings per share, versus the same period in 2004.

     Income from continuing operations for the second quarter of 2005 was $6.2 million, or $0.55 diluted earnings per share, an increase from $6.1 million, or $0.53 diluted earnings per share, from continuing operations in the first quarter of 2005. Year-to-date income from continuing operations was $12.3 million, or $1.08 per diluted share. Return on average equity from continuing operations for the second quarter of 2005 was 13.24%, compared to 13.17% for the first quarter of 2005. Comparing the first and second quarters of 2005, return on average assets from continuing operations remained steady at 1.32%.

     Net interest income for the second quarter of 2005 improved by 5.1%, or $895 thousand, compared to the same period in 2004, due primarily to an increase of $128 million in the average balance of loans held for investment. Year-to-date net interest income grew $2.7 million, or 7.9%, compared to the same period of 2004. The growth seen in loans throughout 2005 is due largely to increases in the commercial loan portfolio. Commercial loans grew at an annualized rate of 13% through the first half of 2005 on loan production of $230 million. The Bank’s de novo branches and loan production offices have contributed $56 million to loan growth in 2005.

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     To help fund the continuing growth in loan demand, the Bank drew an additional $50 million in advances from the Federal Home Loan Bank at the end of the second quarter. This additional funding not only allows the Bank to fund increasing loan demand, but also locks in current low-cost funding, and increases the asset-sensitive profile of the Company in the face of a continuing rising rate environment.

     In a time of continuing margin compression for the industry, second quarter 2005 tax-equivalent net interest margin from continuing operations increased to 4.51% from 4.47% and 4.40% for the first quarter of 2005 and the second quarter of 2004, respectively. Tax-equivalent net interest margin from continuing operations for the first six months of 2005 was 4.49% compared to 4.40% for the first six months of 2004. The continuing increases in the net interest margin are attributable to the recent increases in the prime lending rate, growth in loan portfolio, and the asset-sensitive nature of the balance sheet.

     Non-interest income from continuing operations for the second quarter of 2005 improved by $848,000, or 23%, compared to the first quarter of 2005. The increase in non-interest income was due to continued improvement in the areas of trust services, service charges on deposit accounts, and all other service charges, commissions and fees. Trust revenues increased $51,000, or 9.5%, as a result of growth in trust accounts, trust assets and the related fees generated by such growth in all areas, including estates, employee benefits and investment related accounts. Service charges on deposit accounts increased $475,000, or 22%. All other service charges, commissions and fees increased $65,000, or 8.0%, compared to the first quarter of 2005. Included in other service charges, commissions and fees for the second quarter of 2005 are wealth management fees of $204,000. Wealth management revenues grew by $53,000, or 35%, compared to the first quarter of 2005.

     Second quarter 2005 non-interest income from continuing operations declined $1.0 million compared to the second quarter of 2004, due to gains on the sale of securities of $1.4 million in second quarter 2004. Compared to the second quarter of 2004, trust services income increased 15.0%, service charges on deposit accounts increased 14.0%, and other service charges, commissions and fees increased 22.7%.

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     Total non-interest expense increased 8.8%, or $1.1 million, for the second quarter of 2005 compared to the same period in 2004. Year-to-date non-interest expense increased $2.7 million to $25.8 million compared to same period of 2004 The increases are the result of the PCB acquisition in March 2004, the Company’s continued expansion through branching and loan production offices, increases in supporting infrastructure, and increased healthcare costs. The efficiency ratio for the second quarter of 2005 continuing operations was 54.75%

     Credit quality remains sound with total delinquencies as a percent of total loans at 0.65% at June 30, 2005, compared with 0.76% and 0.83% at March 31, 2005, December 31, 2004, respectively. The ratio of allowance for credit losses as a percent of loans held for investment of 1.23% is comparable with 1.32% at December 31, 2004. The provision for loan losses for the second quarter of 2005 was $1.1 million compared to the $723 thousand for the second quarter of 2004. The provision for the first six months of 2005 was $1.8 million compared to $1.3 million for the same period in 2004. Changes in the provision are the result of the Company’s quarterly analysis of the adequacy of the allowance for credit losses, and can be attributed largely to commercial loan growth, and an increase in loan charge-offs in the second quarter of 2005. Net charge-offs for the second quarter 2005 were $1.2 million compared to $885,000 for the second quarter 2004. Net charge-offs year-to-date of $1.7 million were comparable with $1.5 million for the same period of 2004.

     During the second quarter, the board of directors declared a dividend to stockholders of twenty-five and a half cents ($0.255). The dividend represents an increase of 2.0% over the $0.25 per share paid in the second quarter of 2004. The year 2005 is expected to be the 15^th consecutive year of regular dividend increases to stockholders. Dividends have increased at an average annual rate of over 11% since 1990. Mergent^®, a leading provider of global business and financial information, recently recognized the Company as a “Dividend Achiever.” The Dividend Achievers are U.S. companies that have increased dividends for at least ten consecutive years, and represent only 2.8% of all publicly-traded U.S. companies paying dividends.

     Consolidated assets at June 30, 2005 increased $104.4 million, an 11.4% annualized growth rate, to $1.94 billion compared to $1.83 billion at the end of 2004. Deposits and

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customer repurchase agreements increased $54.3 million through June 30, 2005, an annualized growth rate of 7.4%. Total stockholders’ equity for the Company was $189.7 million at June 30, 2005, resulting in a book value per common share outstanding of $16.83 compared to $183.2 million and $16.29 per common share at December 31, 2004.

     First Community Bancshares, Inc., headquartered in Bluefield, Virginia, is a $1.94 billion bank holding company and is the parent company of First Community Bank, N. A. First Community Bank, N. A. operates through fifty-three full-service banking locations, six loan production offices, and two trust and investment management offices in the four states of Virginia, West Virginia, North Carolina and Tennessee. First Community Bank, N.A. is also the parent of Stone Capital Management, Inc., a SEC registered investment advisory firm, which offers wealth management and investment advice. First Community Bancshares, Inc.’s common stock is traded on the NASDAQ National Market under the symbol “FCBC.”

DISCLAIMER

This news release may include forward-looking statements. These forward-looking statements are based on current expectations that involve risks, uncertainties and assumptions. Should one or more of these risks or uncertainties materialize or should underlying assumptions prove incorrect, actual results may differ materially. These risks include: changes in business or other market conditions; the timely development, production and acceptance of new products and services; the challenge of managing asset/liability levels; the management of credit risk and interest rate risk; the difficulty of keeping expense growth at modest levels while increasing revenues; and other risks detailed from time to time in the Company’s Securities and Exchange Commission reports, including but not limited to the Annual Report on Form 10-K for the most recent year ended. Pursuant to the Private Securities Litigation Reform Act of 1995, the Company does not undertake to update forward-looking statements contained within this news release.

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First Community Bancshares, Inc.			Three Months Ended						Six Months Ended
Consolidated Statements of Income			June 30,						June 30,
(Dollars in Thousands, Except Per Share Data)(Unaudited)			2005			2004			2005			2004
Interest	Interest and fees on loans held for
Income	investment	$	22,192		$	19,112		$	42,920		$	36,242
	Interest on securities-taxable		2,555			3,433			4,851			6,699
	Interest on securities-nontaxable		1,865			1,707			3,814			3,343
	Interest on federal funds sold and deposits		178			104			393			301
	Total interest income		26,790			24,356			51,978			46,585
Interest	Interest on deposits		5,547			4,813			10,509			9,128
Expense	Interest on borrowings		2,721			1,916			5,194			3,846
	Total interest expense		8,268			6,729			15,703			12,974
	Net interest income		18,522			17,627			36,275			33,611
	Provision for loan losses		1,073			723			1,764			1,255
	Net interest income after provision for loan losses		17,449			16,904			34,511			32,356
Non-Interest	Fiduciary income		589			512			1,127			930
Income	Service charges on deposit accounts		2,623			2,301			4,771			4,261
	Other service charges, commissions and fees		875			713			1,685			1,272
	Other operating income		362			610			566			905
	Gain on sale of securities		121			1,438			143			1,449
	Total non-interest income		4,570			5,574			8,292			8,817
Non-Interest	Salaries and employee benefits		7,452			6,662			14,770			12,775
Expense	Occupancy expense of bank premises		968			894			1,911			1,746
	Furniture and equipment expense		813			747			1,597			1,373
	Amortization of intangible assets		111			111			221			175
	Other operating expense		3,957			3,812			7,298			7,067
	Total non-interest expense		13,301			12,226			25,797			23,136
	Income from continuing operations before income taxes		8,718			10,252			17,006			18,037
	Income tax expense continuing operations		2,494			2,666			4,731			4,849
	Income from continuing operations	$	6,224		$	7,586		$	12,275		$	13,188
	Loss from discontinued operations before tax	$	(39	)	$	(2,374	)	$	(170	)	$	(4,265	)
	Income tax benefit from discontinued operations	$	(15	)	$	(502	)	$	(66	)	$	(952	)
	Loss from discontinued operations	$	(24	)	$	(1,872	)	$	(104	)	$	(3,313	)
	Net income	$	6,200		$	5,714		$	12,171		$	9,875
	Basic earnings per common share (EPS)	$	0.55		$	0.51		$	1.08		$	0.88
	Diluted earnings per common share (DEPS)	$	0.55		$	0.50		$	1.07		$	0.87
	Basic earnings per common share-continuing operations	$	0.55		$	0.67		$	1.09		$	1.17
	Diluted earnings per common share-continuing operations	$	0.55		$	0.67		$	1.08		$	1.16
	Weighted Average Shares Outstanding:
	Basic		11,273,724			11,228,956			11,266,648			11,237,225
	Diluted		11,344,480			11,320,415			11,341,847			11,334,096
	For the period:
	Return on average equity		13.19	%		13.06	%		13.09	%		11.22	%
	Return on average equity-continuing operations		13.24	%		17.33	%		13.21	%		14.98	%
	Return on average assets		1.31	%		1.22	%		1.31	%		1.12	%
	Return on average assets-continuing operations		1.32	%		1.65	%		1.32	%		1.52	%
	Cash dividends per share	$	0.255		$	0.25		$	0.510		$	0.50
	At period end:	��
	Book value per share	$	16.83		$	15.28		$	16.83		$	15.28
	Market value	$	32.50		$	33.50		$	32.50		$	33.50

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First Community Bancshares, Inc. Consolidated Balance Sheets
(Dollars in Thousands, Except Per Share Data) (Unaudited)
		June 30,			December 31,
		2005			2004
Assets	Cash and due from banks	$	43,415		$	37,294
	Interest-bearing deposits with banks		64,488			17,452
	Securities available for sale (amortized cost of $378,196 June 30, 2005; $384,746, December 31, 2004)		381,540			388,678
	Securities held to maturity (fair value of $30,878 June 30, 2005; $35,610, December 31, 2004)		29,854			34,221
	Loans held for sale		1,075			1,194
	Loans held for investment, net of unearned income		1,296,728			1,238,756
	Less allowance for loan losses		15,984			16,339
	Net loans		1,280,744			1,222,417
	Premises and equipment		35,796			37,360
	Other real estate owned		975			1,419
	Interest receivable		9,476			8,554
	Other assets		26,496			20,923
	Intangible assets		61,399			61,310
	Total Assets	$	1,935,258		$	1,830,822
Liabilities	Deposits:
	Demand	$	235,217		$	221,499
	Interest-bearing demand		150,112			150,127
	Savings		350,189			385,134
	Time		662,381			602,304
	Total Deposits		1,397,899			1,359,064
	Interest, taxes and other liabilities		15,122			14,313
	Federal funds purchased		—			32,500
	Securities sold under agreements to repurchase		125,285			109,857
	FHLB and other indebtedness		207,231			131,855
	Total Liabilities		1,745,537			1,647,589
Stockholders' Equity	Preferred stock, par value undesignated; 1,000,000 shares authorized; no shares issued and outstanding in 2005 and 2004		—			—
	Common stock, $1 par value; 25,000,000 and 15,000,000 shares authorized in 2005 and 2004, respectively; 11,495,570 issued in 2005 and 11,472,311 issued in 2004; and 11,274,391 and 11,250,927 outstanding in 2005 and 2004, respectively		11,496			11,472
	Additional paid-in capital		108,639			108,263
	Retained earnings		74,444			68,019
	Treasury stock, at cost		(6,864	)		(6,881	)
	Accumulated other comprehensive income		2,006			2,360
	Total Stockholders’ Equity		189,721			183,233
	Total Liabilities and Stockholders’ Equity	$	1,935,258		$	1,830,822

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First Community Bancshares, Inc.
Quarterly Performance Summary		As of and for the Quarter Ended
Income Statements		June 30,			March 31,			December 31,			September 30,			June 30,
(Dollars in Thousands Except Per Share Data)		2005			2005			2004			2004			2004
Interest	Interest and fees on loans held for investment	$	22,192		$	20,728		$	20,518		$	19,953		$	19,112
	Interest on securities-taxable		2,555			2,296			2,460			2,960			3,433
	Interest on securities-nontaxable		1,865			1,949			1,727			1,642			1,707
	Interest on federal funds sold and deposits		178			215			197			94			104
	Total interest income		26,790			25,188			24,902			24,649			24,356
Interest	Interest on deposits		5,547			4,962			4,648			4,702			4,813
Expense	Interest on borrowings		2,721			2,473			2,383			2,246			1,916
	Total interest expense		8,268			7,435			7,031			6,948			6,729
	Net interest income		18,522			17,753			17,871			17,701			17,627
	Provision for loan losses		1,073			691			264			1,152			723
	Net interest income after provision for loan     losses		17,449			17,062			17,607			16,549			16,904
Non-Int	Fiduciary income		589			538			529			499			512
Income	Service charges on deposit accounts		2,623			2,148			2,400			2,461			2,301
	Other service charges, commissions and fees		875			810			770			728			713
	Other operating income		362			204			440			530			610
	Gain (loss) on Securities		121			22			95			60			1,438
	Total non-interest income		4,570			3,722			4,234			4,278			5,574
Non-Int	Salaries and employee benefits		7,452			7,318			7,064			6,807			6,662
Expense	Occupancy expense of bank premises		968			943			900			913			894
	Furniture and equipment expense		813			784			764			735			747
	Amortization of intangible assets		111			110			112			112			111
	Other operating expense		3,957			3,341			3,822			3,670			3,812
	Total non-interest expense		13,301			12,496			12,662			12,237			12,226
	Income before income taxes-continuing operations		8,718			8,288			9,179			8,590			10,252
	Income tax expense-continuing operations		2,494			2,237			2,969			1,968			2,666
	Income from continuing operations		6,224			6,051			6,210			6,622			7,586
	Loss before tax-discontinued operations		(39	)		(131	)		(215	)		(1,266	)		(2,374	)
	Income tax benefit -discontinued operations		(15	)		(51	)		(84	)		(1,054	)		(502	)
	Loss from discontinued operations		(24	)		(80	)		(131	)		(212	)		(1,872	)
	Net income		6,200			5,971			6,079			6,410			5,714
Per	Basic EPS	$	0.55		$	0.53		$	0.54		$	0.57		$	0.51
Share	Diluted EPS	$	0.55		$	0.53		$	0.54		$	0.57		$	0.50
	Basic EPS from continuing operations	$	0.55		$	0.54		$	0.55		$	0.59		$	0.67
	Diluted EPS from continuing operations	$	0.55		$	0.53		$	0.55		$	0.58		$	0.67
Data	Cash dividends per share	$	0.255		$	0.255		$	0.25		$	0.25		$	0.25
	Weighted Average Shares Outstanding:
	Basic		11,273,724			11,259,494			11,248,137			11,231,973			11,228,956
	Diluted		11,344,480			11,339,136			11,355,202			11,326,999			11,320,415
	Actual shares outstanding at period end		11,274,391			11,271,835			11,250,927			11,243,991			11,215,473
	Book Value per share at period end	$	16.83		$	16.35		$	16.29		$	16.08		$	15.28
	Market Value per share at period end	$	32.50		$	28.07		$	36.08		$	32.85		$	33.50

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First Community Bancshares, Inc.
Quarterly Performance Summary	As of and for the Quarter Ended
Income Statements	June 30,			March 31,			December 31,			September 30,			June 30,
(Dollars in Thousands Except Per Share Data)	2005			2005			2004			2004			2004
Ratios:
Return on average assets		1.31	%		1.30	%		1.32	%		1.39	%		1.22	%
Return on average assets-continuing operations		1.32	%		1.32	%		1.35	%		1.44	%		1.65	%
Return on average equity		13.19	%		13.00	%		13.20	%		14.46	%		13.06	%
Return on average equity-continuing operations		13.24	%		13.17	%		13.48	%		14.94	%		17.33	%
Net yield on earning assets		4.51	%		4.47	%		4.45	%		4.33	%		4.35	%
Net yield on earning assets-continuing operations		4.51	%		4.47	%		4.45	%		4.33	%		4.40	%
Efficiency Ratio at end of period		55.11	%		55.52	%		58.65	%		59.73	%		59.97	%
Efficiency Ratio at end of period-continuing operations		54.75	%		54.94	%		53.19	%		52.67	%		52.39	%
Equity as a percent of total assets at end of period		9.80	%		9.77	%		10.01	%		9.90	%		9.27	%
Equity as a percent of continuing assets at end of period		9.80	%		9.77	%		10.01	%		9.90	%		9.38	%
Average earning assets as a percentage of average total assets		91.95	%		91.93	%		91.92	%		91.78	%		91.83	%
Average earning assets-continuing as a percentage of average total assets continuing operations		91.95	%		91.93	%		91.92	%		91.78	%		92.01	%
Average loans (not including loans held for sale) as a percentage of average deposits		92.48	%		91.21	%		90.31	%		88.63	%		83.38	%
QTD :
Average Loans	$	1,299,358		$	1,260,521		$	1,234,932		$	1,222,204		$	1,171,562
Average Earning Assets	$	1,739,147		$	1,707,710		$	1,684,058		$	1,689,565		$	1,724,516
Average Earning Assets-continuing operations	$	1,739,147		$	1,707,710		$	1,684,058		$	1,680,982		$	1,699,218
Average Total Assets	$	1,891,333		$	1,857,645		$	1,832,023		$	1,840,911		$	1,878,000
Average Total Assets-continuing operations	$	1,891,333		$	1,857,645		$	1,832,023		$	1,831,596		$	1,846,772
Average Deposits	$	1,405,086		$	1,381,929		$	1,367,365		$	1,379,000		$	1,405,121
Average Deposits-continuing operations	$	1,405,086		$	1,381,929		$	1,367,365		$	1,378,953		$	1,405,070
Average Equity	$	188,532		$	186,332		$	183,258		$	176,369		$	176,034
Taxable Equivalent Net Interest Income	$	19,535		$	18,833		$	18,824		$	18,374		$	18,948
Taxable Equivalent Net Interest Income-continuing operations	$	19,535		$	18,833		$	18,824		$	18,314		$	18,873
Average Interest-bearing deposits	$	1,176,779		$	1,162,230		$	1,143,060		$	1,160,880		$	1,182,311
Average Interest-bearing deposits-continuing operations	$	1,176,779		$	1,162,230		$	1,143,060		$	1,160,880		$	1,182,311

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First Community Bancshares, Inc.
Quarterly Performance Summary
Balance Sheets	(Dollars in Thousands Except Per Share Data)
	June 30,			March 31,			December 31,			September 30,			June 30,
	2005			2005			2004			2004			2004
Cash and due from banks	$	43,415		$	34,328		$	37,294		$	37,400		$	41,533
Interest-bearing deposits with banks		64,488			48,942			17,452			17,678			14,799
Securities available for sale		381,540			372,585			388,678			391,623			429,478
Securities held to maturity		29,854			32,009			34,221			34,719			36,209
Loans held for sale		1,075			1,182			1,194			1,163			774
Loans held for investment, net of unearned income		1,296,728			1,282,546			1,238,756			1,229,270			1,186,954
Less allowance for loan losses		15,984			16,543			16,339			16,233			16,160
Net loans		1,280,744			1,266,003			1,222,417			1,213,037			1,170,794
Premises and equipment		35,796			35,869			37,360			36,499			35,071
Other real estate owned		975			1,389			1,419			1,636			2,166
Interest receivable		9,476			9,124			8,554			8,770			8,653
Other assets		26,496			23,895			20,923			22,302			25,566
Intangible assets		61,399			61,510			61,310			61,715			62,003
Assets related to discontinued operations		—			—			—			—			22,192
Total Assets	$	1,935,258		$	1,886,836		$	1,830,822		$	1,826,542		$	1,849,238
Deposits:
Demand	$	235,217		$	220,741		$	221,499		$	218,818		$	225,241
Interest-bearing demand		150,112			154,316			150,127			152,191			150,993
Savings		350,189			364,933			385,134			382,468			392,645
Time		662,381			661,882			602,304			609,076			626,150
Total Deposits		1,397,899			1,401,872			1,359,064			1,362,553			1,395,029
Interest, taxes and other liabilities		15,122			15,625			14,313			14,616			11,501
Federal funds purchased		—			—			32,500			—			—
Securities sold under agreements to repurchase		125,285			128,244			109,857			111,481			109,252
FHLB and other indebtedness		207,231			156,822			131,855			157,060			140,941
Liabilities related to discontinued operations		—			—			—			—			21,130
Total Liabilities		1,745,537			1,702,563			1,647,589			1,645,710			1,677,853
Preferred Stock		—			—			—			—			—
Common stock, $1 par value		11,496			11,491			11,472			11,470			11,451
Additional paid-in capital		108,639			108,576			108,263			108,280			108,078
Retained earnings		74,444			71,116			68,019			64,752			61,153
Treasury stock, at cost		(6,864	)		(6,804	)		(6,881	)		(7,029	)		(7,321	)
Accumulated other comprehensive income (loss)		2,006			(106	)		2,360			3,359			(1,976	)
Total Stockholders’ Equity		189,721			184,273			183,233			180,832			171,385
Total Liabilities and Stockholders’ Equity	$	1,935,258		$	1,886,836		$	1,830,822		$	1,826,542		$	1,849,238

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First Community Bancshares, Inc.
Selected Financial Information
(Dollars in Thousands)

	As of and for the Quarter Ended
	June 30,			March 31,			December 31,			September 30,			June 30,
	2005			2005			2004			2004			2004
Asset Quality Analysis:
Allowance for Loan Losses:
Beginning balance	$	16,543		$	16,339		$	16,233		$	16,160		$	14,536
Provision		1,073			691			264			1,152			723
Acquisition balance		—			—			—			—			1,786
Charge-offs		(1,638	)		(844	)		(718	)		(1,312	)		(1,233	)
Recoveries		398			357			560			233			348
Net charge-offs		(1,240	)		(487	)		(158	)		(1,079	)		(885	)
Reclassification of reserve for unfunded commitments		(392	)		—			—			—			—
Ending balance	$	15,984		$	16,543		$	16,339		$	16,233		$	16,160
Nonperforming Assets:
Nonaccrual loans	$	4,847		$	6,419		$	5,168		$	3,679		$	2,630
Foreclosed real estate		975			1,389			1,419			1,636			2,166
Repossessions		29			26			1			40			92
Loans 90 days or more past due & still accruing		—			—			—			—			—
Nonperforming assets	$	5,851		$	7,834		$	6,588		$	5,355		$	4,888
Loans 90 days or more past due & still accruing as a percentage of loans held for investment		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%
Asset Quality Ratios:
Nonaccrual loans and leases as a percentage of loans held for investment		0.37	%		0.50	%		0.42	%		0.30	%		0.22	%
Nonperforming assets as a percentage of:
Total assets		0.30	%		0.42	%		0.36	%		0.29	%		0.26	%
Total assets-continuing		0.30	%		0.42	%		0.36	%		0.29	%		0.27	%
Loans held for investment plus foreclosed property		0.45	%		0.61	%		0.53	%		0.44	%		0.41	%
Net charge-offs as a % of average loans held for investment		0.10	%		0.04	%		0.01	%		0.09	%		0.08	%
Allowance for credit losses as a percentage of loans held for investment		1.23	%		1.29	%		1.32	%		1.32	%		1.36	%
Ratio of allowance for credit losses to nonaccrual loans		3.30			2.58			3.16			4.41			6.14
Restructured loans performing according to modified terms	$	327		$	344		$	354		$	368		$	392

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