EXHIBIT 99.1

July 20, 2004

First Financial Bancorp Reports Second-Quarter Earnings

HAMILTON, Ohio – First Financial Bancorp (Nasdaq: FFBC) chairman of the board, Bruce E. Leep, today announced second-quarter 2004 earnings of $10,337,000 or 24 cents in diluted earnings per share, compared to $10,610,000 or 24 cents in diluted earnings per share for the same period in 2003. Bancorp also announced year-to-date earnings of $20,285,000 or 46 cents in diluted earnings per share, compared to $21,241,000 or 47 cents in diluted earnings per share for the same period in 2003. This represents a 2.13 percent decrease in year-to-date earnings per share.

Return on assets for the second quarter was 1.06 percent for 2004, compared to 1.11 percent for the same period in 2003. Return on average shareholders’ equity was 11.40 percent for the second quarter of 2004, versus 11.46 percent for the comparable period in 2003. Year-to-date return on assets was 1.05 percent, compared to 1.13 percent in 2003, while return on average shareholders’ equity was 11.14 percent versus 11.49 percent.

“While we continue to work diligently to sign on a new chief executive officer, we remain focused on moving the company forward,” Leep said. “Second-quarter earnings were comparable to last year and again exceeded analysts’ consensus estimates. We are encouraged by some positive indicators in the quarter.

“Net interest margin remained relatively stable, while credit quality continued to improve significantly. Underperforming assets have decreased by 31 percent since June of 2003, while charge-offs for the second quarter were at their lowest level in four years.

“Additionally on July 16, Bancorp completed another phase of our affiliate regionalization plan and a branch divestiture. We continue to implement strategies such as these to improve the company.”

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

Net Interest Income:

Net interest income for the second quarter of 2004 was $1.2 million less than in the second quarter of 2003, a decline of 3.17 percent. The major contributing factor to the decline in net interest income was net interest margin compression Bancorp experienced during 2003 due to the asset-sensitive position of Bancorp’s balance sheet. This margin compression was the result of the continued downward repricing of assets without a like decrease in deposit liability rates. The net interest margin began to stabilize in the fourth quarter of 2003 and this positive trend has continued in 2004. Net interest income on a linked quarter basis (second quarter 2004 compared to first quarter 2004) remained relatively stable decreasing by only $157,000 or 0.43 percent. Net interest income for 2004 on a year-to-date basis decreased $2.3 million or 3.03 percent from the comparable period in 2003. Bancorp’s net interest margin decreased to 3.98 percent in the second quarter of 2004 from 4.17 percent in the second quarter of 2003. Year-to-date net interest margin was 3.99 percent compared to 4.27 percent in 2003. Given the Federal Reserve’s 25-basis-point increase in rates on June 30, 2004, Bancorp expects a continued stable net interest margin with potential for improvement depending on economic and competitive conditions.

Average outstanding loan balances for the second quarter of 2004 increased 1.68% and year-to-date average loan balances increased 1.80% from the comparable periods a year ago. This increase was achieved even though Bancorp sold approximately $42.2 million of loans since the second quarter of 2003 related to: (1) the sale of a banking center in December of 2003, (2) the sale of distressed loans in December of 2003, and (3) the sale of mobile home loans which closed in the first quarter of 2004. The primary area of loan growth has been in the commercial real estate category. On a linked-quarter basis, average outstanding loan balances were 1.39 percent higher, reflecting growth in commercial and residential real estate, installment, and real estate construction loans as demand improved primarily in Bancorp’s southwestern Ohio market.

Average deposit balances for the second quarter decreased $23.9 million or 0.81 percent and year-to-date average deposits were relatively flat from the comparable periods a year ago. Deposit balances were impacted by the sale of two banking centers since the first quarter of 2003, which reduced deposit balances by $53 million. Bancorp also opened three new banking centers in growing markets in 2003 — two in the fourth quarter — and an additional new banking center in the second quarter of 2004.

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Credit Quality:

The provision for loan loss expense for the second quarter of 2004 was $2.2 million compared to $3.9 million for the same period in 2003. Net charge-offs of $2.1 million for the second quarter were $1.3 million less than the $3.4 million in net charge-offs for the second quarter of 2003. Year-to-date provision expense was $4.8 million or $2.3 million less than 2003. Year-to-date net charge-offs were $4.8 million in 2004, down $1.7 million from the $6.5 million recorded in 2003. Improvements in commercial loans charged-off — partially offset by higher consumer charge-offs — and continued strong recoveries on commercial and consumer loans positively impacted net charge-offs for both the quarter and year-to-date. The percentage of net charge-offs to average loans for the second quarter of 2004 was 0.29 percent compared to 0.48 percent for the same period in 2003. The net charge-offs percentage for the second quarter of 2004 was at the lowest level since June of 2000. The percentage of net charge-offs to average loans was 0.34 percent for year-to-date 2004, compared to 0.47 percent for the same period in 2003.

Bancorp continued to maintain appropriate reserves with an allowance to ending loans ratio of 1.65 percent at quarter end versus 1.73 percent the same quarter a year ago. It is management’s belief that the allowance for loan losses is adequate to absorb inherent credit losses. The nonperforming assets to ending loans ratio decreased to 0.96 percent as of June 30, 2004, from 1.33 percent as of the end of the second quarter 2003. This is also a significant improvement from the linked-quarter percentage of 1.16 percent.

Total nonperforming assets — which includes nonaccrual loans, restructured loans, and other real estate owned — decreased 26.19 percent to $27.9 million at the end of the second quarter of 2004 from $37.8 million at June 30, 2003. Nonaccrual loans decreased $5.5 million, and restructured loans decreased $4.3 million. Other real estate owned remained relatively constant, decreasing by $151,000.

Loans delinquent over 90 days decreased 79.34 percent to $721,000 at the end of the second quarter of 2004 from $3.5 million at the end of the second quarter of 2003. This represents Bancorp’s lowest level of 90-days-past-due loans in over five years.

On a linked-quarter basis, total nonperforming assets decreased $5.2 million or 15.61 percent. Total underperforming assets on a linked quarter basis decreased 16.81 percent as loans delinquent over 90 days decreased by $624,000.

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Bancorp’s level of nonperforming assets has improved over the last several quarters. This improvement in credit quality has been positively influenced by signs of economic recovery, strategies such as the fourth-quarter 2003 distressed loan sale, and improved credit risk disciplines. Given the current economic environment, Bancorp expects continued stable to improving credit quality trends through 2004 although moderate fluctuations could occur as Bancorp continues to work through credit issues.

Noninterest Income:

Second quarter 2004 noninterest income was $14,905,000, an increase of 4.92 percent from the second quarter of 2003. Service charge income decreased $129,000 or 2.62 percent from the same quarter a year ago, largely due to the sale of $53 million in retail deposit balances since the second quarter of 2003. Trust revenues for the second quarter of 2004 increased 14.42 percent or $508,000 more than the comparable period last year primarily as a result of year-over-year market value improvements. The other category of noninterest income increased $285,000 or 4.92 percent from a year ago. Included in other noninterest income for the second quarter of 2004 was the recapture of impairment charges on the mortgage-servicing assets of approximately $441,000 compared with impairment charges of $440,000 for the second quarter of 2003. The positive swing in this category was offset by a decrease in gains on sale of mortgage loans of $973,000 to $408,000 in the second quarter of 2004 from $1,381,000 in the comparable period a year ago.

Year-to-date noninterest income increased 4.60 percent to $29,346,000 in 2004. This increase was primarily the result of an increase in trust fees, additional life insurance income, and increased brokerage fees. Recapture of impairment on the mortgage-servicing assets was approximately $687,000 in 2004 compared with impairment charges of $628,000 in 2003. This positive swing was also offset on a year-to-date basis by a decrease in gains on sale of mortgage loans of $1,815,000 to $697,000 in 2004 from $2,512,000 in the comparable period a year ago.

Noninterest Expense:

Total noninterest expense increased $1.6 million or 4.94 percent for the second quarter of 2004 from the second quarter of 2003. Salaries and employee benefits increased $1.0 million or 5.70 percent. Salary expense for the second quarter of 2004 increased $154,000 or 1.14 percent while employee benefits increased $874,000 or 19.44 percent. In the benefits category, the primary areas of increase were incentive bonus and pension expense. Net occupancy expenses for the second quarter of 2004 increased $152,000 or 8.37 percent as a result of increased building rent, depreciation, and related expenses. Data processing expense for the quarter increased $242,000 or 15.96 percent due primarily to a reclassification

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of certain credit-card and merchant processing expenses from other noninterest expense. Other noninterest expense on a quarterly and year-to-date basis was impacted by costs associated with the mobile home loan sale completed in the first quarter of 2004, direct consulting work in regard to Sarbanes-Oxley Section 404 internal control documentation and testing, and the executive search. Year-to-date noninterest expense for 2004 was $3.1 million or 4.81 percent more than 2003 as a result of higher salaries and employee benefits, net occupancy expenses, data processing, and other expense as discussed above.

Other Items:

As planned, the process of regionalization progressed on July 16, 2004, with the merger of Clyde Savings Bank and Indiana Lawrence Bank into the Community First Bank & Trust affiliate headquartered in Celina, Ohio. Concurrently, the $8 million Kewanna, Indiana, branch of Indiana Lawrence Bank was sold to Community State Bank of Royal Center, Indiana.

Bancorp repurchased 114,000 shares of its common stock during the second quarter of 2004 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 6 banking affiliates in Ohio, Michigan, Kentucky, and Indiana with a total of 102 retail banking centers, as well as an investment-advisor affiliate and an operations affiliate. Insurance services are offered through Flagstone Insurance and Financial Services.

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, 2003. 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 2003 Form 10-K.

First Financial Bancorp
P.O. Box 476
Hamilton, OH 45012
Analyst Contact: C. Douglas Lefferson
513-867-4993
doug.lefferson@ffbc-oh.com
Media Contact: Cheryl R. Lipp
513-867-4929
cheryl.lipp@comfirst.com

5

FIRST FINANCIAL BANCORP.
CONSOLIDATED FINANCIAL DATA

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

		Three months ended																				Six months ended June 30,
		Jun. 30,				Mar. 31,				Dec. 31,				Sep. 30,				Jun. 30,
		2004				2004				2003				2003				2003				2004				2003
EARNINGS
Net interest income		$	36,000			$	36,157			$	34,093			$	36,373			$	37,179			$	72,157			$	74,415
Net earnings			10,337				9,948				8,841				7,824				10,610				20,285				21,241
Net earnings per share — basic		$	0.24			$	0.23			$	0.20			$	0.18			$	0.24			$	0.46			$	0.48
Net earnings per share — diluted		$	0.24			$	0.23			$	0.20			$	0.18			$	0.24			$	0.46			$	0.47
KEY RATIOS
Return on average assets			1.06	%			1.03	%			0.90	%			0.80	%			1.11	%			1.05	%			1.13	%
Return on average shareholders’ equity			11.40	%			10.88	%			9.62	%			8.46	%			11.46	%			11.14	%			11.49	%
Average shareholders’ equity to average assets			9.33	%			9.44	%			9.38	%			9.42	%			9.66	%			9.38	%			9.84	%
Net interest margin			3.98	%			4.00	%			3.74	%			3.98	%			4.17	%			3.99	%			4.27	%
Net interest margin (fully tax equivalent)			4.07	%			4.10	%			3.84	%			4.08	%			4.28	%			4.08	%			4.38	%
COMMON STOCK DATA
Average basic shares outstanding			43,868,314				43,924,139				43,993,558				44,122,446				44,486,775				43,908,838				44,689,019
Average diluted shares outstanding			43,951,016				43,967,599				44,012,803				44,160,906				44,519,484				43,971,919				44,783,104
Ending shares outstanding			43,810,651				43,924,139				43,939,018				44,049,702				44,277,529				43,810,651				44,277,529
Market price:
High		$	18.47			$	18.82			$	16.92			$	16.60			$	17.00			$	18.82			$	17.19
Low		$	15.61			$	16.29			$	15.14			$	14.67			$	15.00			$	15.61			$	15.00
Close		$	17.72			$	18.50			$	15.95			$	14.75			$	15.83			$	17.72			$	15.83
Book value		$	8.24			$	8.44			$	8.34			$	8.34			$	8.40			$	8.24			$	8.40
Common dividend declared		$	0.15			$	0.15			$	0.15			$	0.15			$	0.15			$	0.30			$	0.30
AVERAGE BALANCE SHEET ITEMS
Loans less unearned income		$	2,859,043			$	2,819,711			$	2,805,667			$	2,829,582			$	2,811,848			$	2,839,377			$	2,789,036
Investment securities			767,667				799,823				798,727				778,365				747,090				783,745				699,121
Other earning assets			13,827				12,279				13,559				15,845				13,619				13,053				27,110
Total earning assets			3,640,537				3,631,813				3,617,953				3,623,792				3,572,557				3,636,175				3,515,267
Total assets			3,907,566				3,894,900				3,886,012				3,894,426				3,841,251				3,901,233				3,786,303
Noninterest-bearing deposits			405,098				395,894				399,611				392,862				406,730				400,496				411,749
Interest-bearing deposits			2,514,194				2,530,912				2,553,934				2,592,383				2,536,477				2,522,553				2,512,180
Total deposits			2,919,292				2,926,806				2,953,545				2,985,245				2,943,207				2,923,049				2,923,929
Borrowings			564,710				542,380				516,952				486,825				481,731				553,545				446,113
Shareholders’ equity			364,574				367,628				364,653				366,978				371,219				366,101				372,719
CREDIT QUALITY
Ending allowance for loan losses		$	47,824			$	47,672			$	47,771			$	48,680			$	48,876			$	47,824			$	48,876
Nonperforming assets:
Nonaccrual			22,723				26,586				25,980				28,374				28,210				22,723				28,210
Restructured			2,936				3,373				3,821				6,532				7,188				2,936				7,188
OREO			2,215				3,070				3,207				3,054				2,366				2,215				2,366
Total nonperforming assets			27,874				33,029				33,008				37,960				37,764				27,874				37,764
Loans delinquent over 90 days			721				1,345				1,872				3,186				3,490				721				3,490
Gross charge-offs:
Commercial real estate			(105	)			(631	)			(3,377	)			(300	)			(424	)			(736	)			(536	)
Commercial loans and leases			(560	)			(1,036	)			(3,650	)			(2,771	)			(1,800	)			(1,596	)			(3,499	)
Consumer			(2,622	)			(2,588	)			(2,447	)			(2,351	)			(1,957	)			(5,210	)			(4,311	)
All other			(2	)			(27	)			(8	)			(38	)			(18	)			(29	)			(18	)
Total gross charge-offs			(3,289	)			(4,282	)			(9,482	)			(5,460	)			(4,199	)			(7,571	)			(8,364	)
Recoveries:
Commercial real estate			0				34				83				5				45				34				50
Commercial loans and leases			467				538				561				316				229				1,005				661
Consumer			723				1,011				498				576				553				1,734				1,195
All other			8				0				9				3				1				8				1
Total recoveries			1,198				1,583				1,151				900				828				2,781				1,907
Total net charge-offs			(2,091	)			(2,699	)			(8,331	)			(4,560	)			(3,371	)			(4,790	)			(6,457	)
CREDIT QUALITY RATIOS
Allowance to ending loans, net of unearned income			1.65	%			1.68	%			1.71	%			1.73	%			1.73	%			1.65	%			1.73	%
Nonperforming assets to ending loans, net of unearned income plus OREO			0.96	%			1.16	%			1.18	%			1.34	%			1.33	%			0.96	%			1.33	%
90 days past due to loans, net of unearned income			0.02	%			0.05	%			0.07	%			0.11	%			0.12	%			0.02	%			0.12	%
Net charge-offs to average loans, net of unearned income			0.29	%			0.38	%			1.18	%			0.64	%			0.48	%			0.34	%			0.47	%

FIRST FINANCIAL BANCORP.
CONSOLIDATED STATEMENTS OF EARNINGS

(Dollars in thousands)
(Unaudited)

		Three months ended,																				Six months ended, June 30,
		Jun. 30,				Mar. 31,				Dec. 31,				Sep. 30,				Jun. 30,
		2004				2004				2003				2003				2003				2004				2003
Interest income
Loans, including fees		$	42,461			$	42,522			$	41,393			$	45,256			$	46,418			$	84,983			$	93,122
Investment securities
Taxable			6,241				6,813				6,060				5,263				5,220				13,054				10,478
Tax-exempt			1,381				1,449				1,555				1,579				1,632				2,830				3,296
Total investment securities interest			7,622				8,262				7,615				6,842				6,852				15,884				13,774
Interest-bearing deposits with other banks			34				28				36				26				28				62				79
Federal funds sold and securities purchased under agreements to resell			9				11				11				24				37				20				111
Total interest income			50,126				50,823				49,055				52,148				53,335				100,949				107,086
Interest expense
Deposits			9,037				9,662				10,214				10,692				11,396				18,699				23,480
Short-term borrowings			526				499				471				443				530				1,025				910
Long-term borrowings			4,226				4,163				4,130				4,161				4,112				8,389				8,043
Subordinated debentures and capital securities			337				342				147				479				118				679				238
Total interest expense			14,126				14,666				14,962				15,775				16,156				28,792				32,671
Net interest income			36,000				36,157				34,093				36,373				37,179				72,157				74,415
Provision for loan losses			2,243				2,600				7,422				4,364				3,942				4,843				7,156
Net interest income after provision for loan losses			33,757				33,557				26,671				32,009				33,237				67,314				67,259
Noninterest income
Service charges on deposit accounts			4,794				4,613				4,917				4,984				4,923				9,407				9,521
Trust revenues			4,030				3,892				3,648				3,623				3,522				7,922				7,229
Investment securities gains (losses)			(1	)			(2	)			4				28				(36	)			(3	)			(8	)
Other			6,082				5,938				10,458				6,494				5,797				12,020				11,314
Total noninterest income			14,905				14,441				19,027				15,129				14,206				29,346				28,056
Noninterest expenses
Salaries and employee benefits			19,056				18,519				18,625				21,664				18,028				37,575				36,219
Net occupancy			1,968				2,205				1,872				1,899				1,816				4,173				3,894
Furniture and equipment			1,800				1,804				1,701				1,752				1,847				3,604				3,648
Data processing			1,758				1,863				2,037				1,690				1,516				3,621				3,003
Deposit insurance			166				171				140				147				150				337				250
State taxes			344				344				442				432				434				688				894
Amortization of intangibles			220				216				205				207				211				436				412
Other			8,077				8,122				8,458				7,948				7,815				16,199				15,256
Total noninterest expenses			33,389				33,244				33,480				35,739				31,817				66,633				63,576
Income before income taxes			15,273				14,754				12,218				11,399				15,626				30,027				31,739
Income tax expense			4,936				4,806				3,377				3,575				5,016				9,742				10,498
Net earnings		$	10,337			$	9,948			$	8,841			$	7,824			$	10,610			$	20,285			$	21,241
ADDITIONAL DATA — FULLY TAX EQUIVALENT NET INTEREST INCOME
Interest income		$	50,126			$	50,823			$	49,055			$	52,148			$	53,335			$	100,949			$	107,086
Tax equivalent adjustment			819				860				885				900				918				1,679				1,856
Interest income — tax equivalent			50,945				51,683				49,940				53,048				54,253				102,628				108,942
Interest expense			14,126				14,666				14,962				15,775				16,156				28,792				32,671
Net interest income — tax equivalent		$	36,819			$	37,017			$	34,978			$	37,273			$	38,097			$	73,836			$	76,271

FIRST FINANCIAL BANCORP.
CONSOLIDATED STATEMENTS OF CONDITION

(Dollars in thousands)
(Unaudited)

		Jun. 30,				Dec. 31,				Jun. 30,
		2004				2003				2003
ASSETS
Cash and due from banks		$	142,307			$	183,612			$	170,491
Interest-bearing deposits with other banks			3,534				5,014				3,053
Federal funds sold and securities purchased under agreements to resell			419				607				1,155
Investment securities, held-to-maturity			13,090				18,399				20,615
Investment securities, available-for-sale			728,016				794,762				742,004
Loans
Commercial			677,355				666,315				697,975
Real estate-construction			79,386				73,260				74,456
Real estate-mortgage			1,535,508				1,466,153				1,465,999
Installment			579,010				560,061				556,322
Credit card			20,694				21,680				20,294
Lease financing			8,729				12,241				16,460
Total loans			2,900,682				2,799,710				2,831,506
Less
Unearned income			27				86				226
Allowance for loan losses			47,824				47,771				48,876
Net loans			2,852,831				2,751,853				2,782,404
Premises and equipment			60,314				59,050				56,852
Goodwill			28,444				27,379				27,379
Other intangibles			8,065				7,530				8,675
Deferred income taxes receivable			12,075				6,227				5,426
Other assets			99,657				101,629				94,350
Total Assets		$	3,948,752			$	3,956,062			$	3,912,404
LIABILITIES
Deposits
Noninterest-bearing		$	407,107			$	414,785			$	434,183
Interest-bearing			2,512,545				2,530,880				2,544,196
Total deposits			2,919,652				2,945,665				2,978,379
Short-term borrowings			256,511				258,909				191,709
Long-term borrowings			347,526				322,979				325,472
Junior subordinated debentures owed to unconsolidated subsidiary trusts			30,930				0				0
Corporation-obligated mandatorily redeemable capital securities of subsidiary trust			0				30,000				10,000
Accrued interest and other liabilities			32,930				32,026				34,761
Total Liabilities			3,587,549				3,589,579				3,540,321
SHAREHOLDERS’ EQUITY
Common stock			395,584				395,752				395,896
Retained earnings			57,443				50,325				46,867
Accumulated comprehensive income			(7,273	)			2,344				7,880
Restricted stock awards			(3,865	)			(3,397	)			(5,340	)
Treasury stock, at cost			(80,686	)			(78,541	)			(73,220	)
Total Shareholders’ Equity			361,203				366,483				372,083
Total Liabilities and Shareholders’ Equity		$	3,948,752			$	3,956,062			$	3,912,404

ADDITIONAL DATA — RISK BASED CAPITAL

		Jun. 30,				Mar. 31,				Dec. 31,				Sep. 30,				Jun. 30,
		2004				2004				2003				2003				2003
Tier 1 Capital		$	361,597			$	359,134			$	358,616			$	358,292			$	338,933
Tier 1 Ratio			12.98	%			13.19	%			13.20	%			12.92	%			12.50	%
Total Capital		$	396,580			$	393,331			$	392,735			$	393,122			$	373,011
Total Capital Ratio			14.24	%			14.45	%			14.46	%			14.18	%			13.76	%
Total Risk-Adjusted Assets		$	2,785,789			$	2,722,261			$	2,715,858			$	2,772,571			$	2,711,426
Leverage Ratio			9.33	%			9.30	%			9.30	%			9.28	%			8.90	%

FIRST FINANCIAL BANCORP.
AVERAGE CONSOLIDATED STATEMENTS OF CONDITION

(Dollars in thousands)
(Unaudited)

		Quarterly Averages																				Year-to-Date Averages June 30,
		Jun. 30,				Mar. 31,				Dec. 31,				Sep. 30,				Jun. 30,
		2004				2004				2003				2003				2003				2004				2003
ASSETS
Cash and due from banks		$	115,009			$	114,977			$	117,810			$	129,005			$	127,405			$	114,993			$	133,842
Interest-bearing deposits with other banks			10,422				7,588				9,252				5,671				7,235				9,005				8,259
Federal funds sold and securities purchased under agreements to resell			3,405				4,691				4,307				10,174				6,384				4,048				18,851
Investment securities			767,667				799,823				798,727				778,365				747,090				783,745				699,121
Loans
Commercial			667,796				669,188				658,205				695,980				700,439				668,492				700,861
Real estate-construction			77,963				76,193				68,621				69,072				77,879				77,078				82,149
Real estate-mortgage			1,520,659				1,488,463				1,480,587				1,469,535				1,443,940				1,504,561				1,416,288
Installment			562,990				554,374				564,684				559,600				552,301				558,682				550,992
Credit card			20,134				20,274				20,402				20,169				20,077				20,204				20,383
Lease financing			9,538				11,284				13,276				15,405				17,488				10,411				18,693
Total loans			2,859,080				2,819,776				2,805,775				2,829,761				2,812,124				2,839,428				2,789,366
Less
Unearned income			37				65				108				179				276				51				330
Allowance for loan losses			47,873				47,877				48,754				48,849				48,168				47,875				48,395
Net loans			2,811,170				2,771,834				2,756,913				2,780,733				2,763,680				2,791,502				2,740,641
Premises and equipment			60,155				59,271				58,863				57,825				56,675				59,713				56,572
Deferred income tax			8,374				5,570				8,457				7,969				5,555				6,972				4,761
Other assets			131,364				131,146				131,683				124,684				127,227				131,255				124,256
Total Assets		$	3,907,566			$	3,894,900			$	3,886,012			$	3,894,426			$	3,841,251			$	3,901,233			$	3,786,303
LIABILITIES
Deposits
Interest-bearing		$	167,560			$	193,256			$	182,501			$	212,102			$	165,275				180,408				231,550
Savings			1,057,305				1,030,709				1,046,180				1,023,110				1,001,121				1,044,007				926,409
Time			1,289,329				1,306,947				1,325,253				1,357,171				1,370,081				1,298,138				1,354,221
Total interest-bearing deposits			2,514,194				2,530,912				2,553,934				2,592,383				2,536,477				2,522,553				2,512,180
Noninterest-bearing			405,098				395,894				399,611				392,862				406,730				400,496				411,749
Total deposits			2,919,292				2,926,806				2,953,545				2,985,245				2,943,207				2,923,049				2,923,929
Borrowed funds
Short-term borrowings			215,124				209,166				193,390				161,742				157,965				212,145				130,291
Long-term borrowings			349,586				333,214				323,562				325,083				323,766				341,400				315,822
Total borrowed funds			564,710				542,380				516,952				486,825				481,731				553,545				446,113
Junior subordinated debentures owed to unconsolidated subsidiary trusts			30,930				30,930				0				0				0				30,930				0
Corporation-obligated mandatorily redeemable capital securities of subsidiary trust			0				0				30,000				26,956				10,000				0				10,000
Accrued interest and other liabilities			28,060				27,156				20,862				28,422				35,094				27,608				33,542
Total Liabilities			3,542,992				3,527,272				3,521,359				3,527,448				3,470,032				3,535,132				3,413,584
SHAREHOLDERS’ EQUITY
Common stock			395,586				395,648				395,808				395,894				395,916				395,617				395,974
Retained earnings			53,999				51,165				47,534				48,022				43,281				52,582				41,093
Accumulated comprehensive income			(1,199	)			3,311				2,587				3,680				7,501				1,056				7,938
Restricted stock awards			(4,124	)			(4,220	)			(3,619	)			(4,969	)			(5,613	)			(4,172	)			(5,619	)
Treasury stock, at cost			(79,688	)			(78,276	)			(77,657	)			(75,649	)			(69,866	)			(78,982	)			(66,667	)
Total Shareholders’ Equity			364,574				367,628				364,653				366,978				371,219				366,101				372,719
Total Liabilities and Shareholders’ Equity		$	3,907,566			$	3,894,900			$	3,886,012			$	3,894,426			$	3,841,251			$	3,901,233			$	3,786,303