Pasadena, CA - January 24, 2007 - East West Bancorp, Inc. (Nasdaq: EWBC), parent company of East West Bank, one of the nation’s premier community banks, today reported financial results for the fourth quarter and full year 2006. Diluted earnings per share for the full year grew to a record $2.35, an increase of 19% from $1.97 in 2005. Net income for 2006 was a record $143.4 million, or a 32% increase from $108.4 million in 2005. For the fourth quarter 2006, net income was $39.1 million, or a record $0.63 per diluted share, compared with $30.8 million or $0.54 per diluted share for fourth quarter 2005.

“2006 marks the tenth consecutive year of record earnings for East West. Earnings per share grew 19% in 2006, one of the highest earnings per share growth rates among our peer banks,” stated Dominic Ng, Chairman, President and Chief Executive Officer of East West. “Our compound annual EPS growth over the last ten years has been 43%. Our profitability and growth have been achieved in various economic, interest rate and real estate cycles. Year after year, we have achieved consistent success and we are confident that we will continue to do so in the near and long-term future.”

Fourth quarter net income was a record $39.1 million, up 27% from $30.8 million reported in the prior year period. Diluted earnings per share for the fourth quarter rose to a record $0.63, up 17% from $0.54 in the prior year period. Return on average equity for the quarter totaled 15.72%, while return on average assets for the quarter totaled 1.45%. Pretax income for the fourth quarter totaled $64.0 million, a 30% or $14.9 million increase over the year ago figure. The increase in earnings in the fourth quarter of 2006 was driven by higher net interest income resulting from the solid growth in our loan portfolio.

At December 31, 2006, total assets were $10.8 billion, a 31% increase from total assets of $8.3 billion at December 31, 2005. Gross loans at December 31, 2006 totaled $8.3 billion, up 22% or $1.5 billion from year-end 2005. Organic loan growth for the year was an outstanding $1.8 billion, or 26%, excluding the impact of the Standard Bank acquisition and $788.1 million in residential loan securitizations throughout the year. Year-to-date, we achieved double-digit growth in all major loan categories. For the fourth quarter of 2006, loan growth was 13% annualized, excluding the impact of $453.5 million in residential loan securitizations during the quarter.

Average earning assets for the fourth quarter of 2006 equaled $10.1 billion, 32% higher than the fourth quarter of 2005. The growth in average earning assets was driven by a 23% or $1.5 billion increase in average loans to $8.3 billion and a 106% or $822.5 million increase in investment securities. The yield on average earning assets for the quarter was 7.29%, an increase of 75 basis points from the year ago quarter and an increase of 7 basis points from the previous quarter. The yield on average loans receivable for the quarter was 7.73%, an increase of 89 basis points from the year ago quarter and an increase of 13 basis points from the previous quarter.

Total deposits at December 31, 2006 were $7.2 billion, a 16% increase over total deposits of $6.3 billion at December 31, 2005. Organic deposit growth for the year was $247.9 million, or 4%, excluding the impact of the Standard Bank acquisition. Core deposits at December 31, 2006 totaled $3.5 billion or an 11% increase over year-end 2005. Excluding the impact of the Standard Bank acquisition, organic core deposit growth for the year was $155.0 million, or 5%. Deposit growth for the fourth quarter of 2006 was $135.4 million or 8% on an annualized basis.

Average total deposits for the fourth quarter grew to $7.0 billion, or 16% above the figure for the prior year period, while average core deposits totaled $3.2 billion, or 9% greater than the year ago figure. The growth in average deposits is a result of substantial increases in average time deposits of 22% or $689.7 million and money market deposits of 32% or $284.9 million. The average cost of deposits for the fourth quarter of 2006 was 3.27%, a 113 basis point increase from the year ago quarter and an 18 basis point increase from the previous quarter. The average cost of funds for the fourth quarter equaled 3.66%, a 121 basis point increase from the prior year and a 15 basis point increase from the prior quarter.

Net interest income for the fourth quarter increased to a record $97.4 million, 20% or $16.0 million greater than the fourth quarter of 2005 and 2% or $2.0 million greater on a sequential quarter basis. The net interest margin for the quarter of 3.81% reflected a decrease of 39 basis points from the year ago margin and a decrease of 8 basis points from the previous quarter margin. The decrease in margin for both the sequential quarter and the previous year was driven by both the sustained competitiveness in loan and deposit pricing and the challenging interest rate environment.

Noninterest income for the fourth quarter totaled $9.3 million, 26% or $1.9 million higher than the fourth quarter of 2005 and 15% or $1.2 million greater than the third quarter of 2006. Core noninterest income, excluding the impact of gain on sales of investment securities, totaled $8.3 million during the quarter, 27% or $1.7 million higher than the prior year figure and 12% or $905 thousand higher than the sequential quarter. The increase in core noninterest income from both the prior year and the prior quarter is largely due to increased branch fees and mortgage servicing fees, which are included in ancillary loan fees. Mortgage servicing fees have increased due to additional mortgage servicing assets recorded from recent loan securitizations.

East West provided $6.2 million for loan losses during 2006, compared to $15.9 million during 2005. Management anticipates total provision for loan losses for 2007 to range from $2.0 to $4.0 million. This estimate for the 2007 provision expense reflects our anticipated loan growth of 12% to 16% and our strategy to securitize loans on a consistent basis, which will reduce our overall credit risk. The securitizations, combined with credit quality remaining at high levels, will result in an estimated allowance for loan losses to total loans ratio of 0.95% to 1.00% for 2007.

Noninterest expense totaled $161.9 million for the full year 2006, 31% or $38.4 million higher than 2005. This increase from 2005 was largely due to higher compensation and occupancy costs from our recent acquisitions, the expansion of our corporate offices and the overall growth of the Bank. Additionally, during the full year 2006, other operating expenses increased 29% from 2005, largely due to increases in professional fees and advertising expenses. While we continue to carefully monitor all costs, we also continue to invest in our infrastructure to support our future growth. Management expects operating expenses in 2007 to increase approximately 12% to 15% from the full year 2006.

Overall, credit quality remained very strong. Total nonperforming assets improved to $19.9 million or 0.18% of total assets at December 31, 2006, from $30.1 million, or 0.36% of total assets at December 31, 2005. We continue to experience historically low levels of nonperforming assets and little or no loss in almost every segment of our business. Nonaccrual loans at December 31, 2006 were $17.1 million or 0.21% of total loans, compared to $24.1 million or 0.36% of total loans, at December 31, 2005.

The allowance for loan losses at December 31, 2006 was $78.2 million or 0.95% of total loans and 457% of nonaccrual loans, compared to $68.6 million or 1.01% of total loans and 284% of nonaccrual loans at December 31, 2005. The Bank’s methodology for calculating the allowance for loan losses includes factors such as historical loss trends, asset quality, credit concentrations and overall economic conditions. At December 31, 2006, the allowance for unfunded loan commitments and off-balance sheet credit exposures increased 11% to $12.2 million, compared to $11.1 million at December 31, 2005. The allowance for unfunded loan commitments and off-balance sheet credit exposures is included in accrued expenses and other liabilities on the balance sheet.

East West continues to remain well capitalized under all regulatory guidelines. At December 31, 2006, our Tier I risk-based capital ratio was 9.56%, total risk-based capital ratio was 11.23% and Tier I leverage ratio was 8.28%. The Board of Directors of East West Bancorp has approved a $0.05 increase in the quarterly dividend to $0.10 per common share. Additionally, the Board of Directors authorized a new stock repurchase program for repurchase of up to $30.0 million of the Company’s stock. Total stockholders’ equity as of December 31, 2006 was $1.0 billion, representing a book value of $16.59 per share.

East West Bancorp is a publicly owned company, with $10.8 billion in assets, whose stock is traded on the Nasdaq Global Select Market under the symbol “EWBC”. The company’s wholly owned subsidiary, East West Bank, is the second largest independent commercial bank headquartered in Los Angeles with 59 total branch locations. East West Bank serves the community with 58 branch locations across Southern and Northern California, one branch location in Houston, Texas and a Beijing Representative Office in China. For more information on East West Bancorp, visit the company’s website at www.eastwestbank.com.

This release may contain forward-looking statements, which are included in accordance with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 and accordingly, the cautionary statements contained in East West Bancorp’s Annual Report on Form 10-K for the year ended Dec. 31, 2005 (See Item I -- Business, and Item 7 -- Management’s Discussion and Analysis of Consolidated Financial Condition and Results of Operations), and other filings with the Securities and Exchange Commission are incorporated herein by reference. These factors include, but are not limited to: the effect of interest rate and currency exchange fluctuations; competition in the financial services market for both deposits and loans; EWBC’s ability to efficiently incorporate acquisitions into its operations; the ability of EWBC and its subsidiaries to increase its customer base; the effect of regulatory and legislative action, including California tax legislation and an announcement by the state’s Franchise Tax Board regarding the taxation of Registered Investment Companies; and regional and general economic conditions. Actual results and performance in future periods may be materially different from any future results or performance suggested by the forward-looking statements in this release. Such forward-looking statements speak only as of the date of this release. East West expressly disclaims any obligation to update or revise any forward-looking statements found herein to reflect any changes in the Bank’s expectations of results or any change in event.

EAST WEST BANCORP, INC.
CONDENSED CONSOLIDATED BALANCE SHEETS
(In thousands, except per share amounts)
(unaudited)

	December 31,			December 31,			%
	2006			2005			Change
Assets
Cash and cash equivalents	$	192,559		$	151,192			27
Securities purchased under resale agreements		100,000			50,000			100
Investment securities available-for-sale		1,647,080			869,837			89
Loans receivable (net of allowance for loan losses of $78,201 and $68,635)		8,182,172			6,724,320			22
Premiums on deposits acquired, net		20,383			18,853			8
Goodwill		244,259			143,254			71
Other assets		437,258			320,800			36
Total assets	$	10,823,711		$	8,278,256			31

Liabilities and Stockholders' Equity
Deposits	$	7,235,042		$	6,258,587			16
Fed funds purchased		151,000			91,500			65
Federal Home Loan Bank advances		1,136,866			617,682			84
Securities sold under repurchase agreements		975,000			325,000			200
Notes payable		11,379			8,833			29
Accrued expenses and other liabilities		111,011			89,421			24
Long-term debt		184,023			153,095			20
Total liabilities		9,804,321			7,544,118			30
Stockholders' equity		1,019,390			734,138			39
Total liabilities and stockholders' equity	$	10,823,711		$	8,278,256			31
Book value per share	$	16.59		$	12.99			28
Number of shares at period end		61,428			56,519			9

Ending Balances		December 31,			December 31,			%
		2006			2005			Change
Loans receivable
Real estate - single family	$	365,407		$	509,151			(28	)
Real estate - multifamily		1,584,674			1,239,836			28
Real estate - commercial		3,766,634			3,321,520			13
Real estate - construction		1,154,339			640,654			80
Commercial		960,375			643,296			49
Trade finance		271,795			230,771			18
Consumer		162,008			208,797			(22	)
Total gross loans receivable		8,265,232			6,794,025			22
Unearned fees, premiums and discounts		(4,859	)		(1,070	)		354
Allowance for loan losses		(78,201	)		(68,635	)		14
Net loans receivable	$	8,182,172		$	6,724,320			22

Deposits
Noninterest-bearing demand	$	1,353,734		$	1,331,992			2
Interest-bearing checking		450,201			472,611			(5	)
Money market		1,280,651			978,678			31
Savings		372,546			326,806			14
Total core deposits		3,457,132			3,110,087			11
Time deposits less than $100,000		1,012,401			927,793			9
Time deposits $100,000 or greater		2,765,509			2,220,707			25
Total time deposits		3,777,910			3,148,500			20
Total deposits	$	7,235,042		$	6,258,587			16

EAST WEST BANCORP, INC.
CONDENSED CONSOLIDATED STATEMENTS OF INCOME
(In thousands, except per share amounts)
(unaudited)

	Quarter Ended December 31,						%
	2006			2005			Change

Interest and dividend income	$	186,188		$	126,587			47
Interest expense		(88,815	)		(45,236	)		96
Net interest income before recapture (provision) for loan losses		97,373			81,351			20
Recapture (provision) for loan losses		2,000			(2,500	)		(180	)
Net interest income after recapture (provision) for loan losses		99,373			78,851			26
Noninterest income		9,282			7,358			26
Noninterest expense		(44,624	)		(37,108	)		20
Income before provision for income taxes		64,031			49,101			30
Income taxes		(24,920	)		(18,286	)		36
Net income	$	39,111		$	30,815			27
Net income per share, basic	$	0.64		$	0.55			16
Net income per share, diluted	$	0.63		$	0.54			17
Shares used to compute per share net income:
- Basic		60,806			55,972			9
- Diluted		61,926			57,471			8


		Quarter Ended December 31,						%
		2006			2005			Change
Noninterest income:
Branch fees	$	2,999		$	2,303			30
Letters of credit fees and commissions		2,277			2,059			11
Ancillary loan fees		1,050			700			50
Net gain on sales of investment securities available-for-sale		950			772			23
Income from secondary market activities		202			265			(24	)
Other operating income		1,804			1,259			43
Total noninterest income	$	9,282		$	7,358			26

Noninterest expense:
Compensation and employee benefits	$	19,994		$	15,351			30
Occupancy and equipment expense		5,624			4,633			21
Amortization of premiums on deposits acquired		1,810			1,926			(6	)
Amortization of investments in affordable
housing partnerships		1,160			1,497			(23	)
Data processing		966			807			20
Deposit insurance premiums and regulatory assessments		339			287			18
Other operating expense		14,731			12,607			17
Total noninterest expense	$	44,624		$	37,108			20

EAST WEST BANCORP, INC.
CONDENSED CONSOLIDATED STATEMENTS OF INCOME
(In thousands, except per share amounts)
(unaudited)

	Year Ended December 31,						%
	2006			2005			Change

Interest and dividend income	$	660,050		$	411,399			60
Interest expense		(292,568	)		(131,284	)		123
Net interest income before provision for loan losses		367,482			280,115			31
Provision for loan losses		(6,166	)		(15,870	)		(61	)
Net interest income after provision for loan losses		361,316			264,245			37
Noninterest income		34,358			29,649			16
Noninterest expense		(161,893	)		(123,533	)		31
Income before provision for income taxes		233,781			170,361			37
Income taxes		(90,412	)		(61,981	)		46
Net income	$	143,369		$	108,380			32
Net income per share, basic	$	2.40		$	2.03			18
Net income per share, diluted	$	2.35		$	1.97			19
Shares used to compute per share net income:
- Basic		59,605			53,454			12
- Diluted		60,909			55,034			11

		Year Ended December 31,						%
		2006			2005			Change
Noninterest income:
Branch fees	$	11,265		$	7,446			51
Letters of credit fees and commissions		8,673			8,592			1
Ancillary loan fees		3,885			2,474			57
Net gain on sales of investment securities available-for-sale		3,487			4,291			(19	)
Income from secondary market activities		698			1,579			(56	)
Other operating income		6,350			5,267			21
Total noninterest income	$	34,358		$	29,649			16

Noninterest expense:
Compensation and employee benefits	$	70,583		$	53,669			32
Occupancy and equipment expense		21,350			15,059			42
Amortization of premiums on deposits acquired		7,118			3,914			82
Amortization of investments in affordable
housing partnerships		5,441			6,468			(16	)
Data processing		3,644			2,747			33
Deposit insurance premiums and regulatory assessments		1,360			996			37
Other operating expense		52,397			40,680			29
Total noninterest expense	$	161,893		$	123,533			31

EAST WEST BANCORP, INC.
SELECTED FINANCIAL INFORMATION
(Dollars in thousands)
(unaudited)
Average Balances	Quarter Ended December 31,				%
	2006		2005		Change
Loans receivable
Real estate - single family	$	484,321	$	469,473		3
Real estate - multifamily		1,624,925		1,302,734		25
Real estate - commercial		3,794,487		3,303,895		15
Real estate - construction		1,082,083		624,770		73
Commercial		908,835		670,682		36
Trade finance		266,973		215,866		24
Consumer		166,763		200,950		(17	)
Total loans receivable		8,328,387		6,788,370		23
Investment securities available-for-sale		1,599,531		776,982		106
Earning assets		10,131,418		7,681,270		32
Total assets		10,752,852		8,134,704		32

Deposits
Noninterest-bearing demand	$	1,275,374	$	1,301,160		(2	)
Interest-bearing checking		400,868		423,155		(5	)
Money market		1,172,167		887,290		32
Savings		377,956		350,838		8
Total core deposits		3,226,365		2,962,443		9
Time deposits less than $100,000		1,063,442		933,157		14
Time deposits $100,000 or greater		2,701,241		2,141,836		26
Total time deposits		3,764,683		3,074,993		22
Total deposits		6,991,048		6,037,436		16
Interest-bearing liabilities		8,357,201		6,027,315		39
Stockholders' equity		995,048		710,065		40

Average Balances		Year Ended December 31,				%
		2006		2005		Change
Loans receivable
Real estate - single family	$	534,517	$	412,197		30
Real estate - multifamily		1,560,177		1,219,043		28
Real estate - commercial		3,619,017		2,889,466		25
Real estate - construction		882,523		473,789		86
Commercial		805,252		514,654		56
Trade finance		241,051		186,813		29
Consumer		186,042		190,436		(2	)
Total loans receivable		7,828,579		5,886,398		33
Investment securities available-for-sale		1,235,633		673,930		83
Earning assets		9,243,937		6,644,204		39
Total assets		9,814,076		6,996,585		40

Deposits
Noninterest-bearing demand	$	1,249,935	$	1,162,159		8
Interest-bearing checking		414,074		356,567		16
Money market		1,165,938		710,562		64
Savings		388,291		333,588		16
Total core deposits		3,218,238		2,562,876		26
Time deposits less than $100,000		1,081,768		840,340		29
Time deposits $100,000 or greater		2,481,870		1,772,071		40
Total time deposits		3,563,638		2,612,411		36
Total deposits		6,781,876		5,175,287		31
Interest-bearing liabilities		7,541,705		5,157,166		46
Stockholders' equity		908,617		593,183		53

EAST WEST BANCORP, INC.
SELECTED FINANCIAL INFORMATION
(Dollars in thousands)
(unaudited)
Selected Ratios	Quarter Ended December 31,						%
	2006			2005			Change
For The Period
Return on average assets		1.45	%		1.52	%		(5	)
Return on average equity		15.72	%		17.36	%		(9	)
Interest rate spread		3.07	%		3.56	%		(14	)
Net interest margin		3.81	%		4.20	%		(9	)
Yield on earning assets		7.29	%		6.54	%		11
Cost of deposits		3.27	%		2.14	%		53
Cost of funds		3.66	%		2.45	%		49
Noninterest expense/average assets (1)		1.55	%		1.66	%		(7	)
Efficiency ratio (1)		39.05	%		37.97	%		3
Net (recoveries) chargeoffs to average loans (2)		-0.04	%		0.02	%		(300	)
Gross loan chargeoffs	$	7		$	1,633			(100	)
Loan recoveries		(882	)		(1,258	)		(30	)
Net loan (recoveries) chargeoffs	$	(875	)	$	375			(333	)

	Year Ended December 31,							%
		2006			2005			Change
For The Period
Return on average assets		1.46	%		1.55	%		(6	)
Return on average equity		15.78	%		18.27	%		(14	)
Interest rate spread		3.26	%		3.64	%		(10	)
Net interest margin		3.98	%		4.22	%		(6	)
Yield on earning assets		7.14	%		6.19	%		15
Cost of deposits		2.95	%		1.81	%		63
Cost of funds		3.33	%		2.08	%		60
Noninterest expense/average assets (1)		1.52	%		1.62	%		(6	)
Efficiency ratio (1)		37.16	%		36.53	%		2
Net (recoveries) chargeoffs to average loans		-0.01	%		0.08	%		(113	)
Gross loan chargeoffs	$	515		$	6,442			(92	)
Loan recoveries		(999	)		(1,771	)		(44	)
Net loan (recoveries) chargeoffs	$	(484	)	$	4,671			(110	)

Period End
Tier 1 risk-based capital ratio		9.56	%		9.01	%		6
Total risk-based capital ratio		11.23	%		11.15	%		1
Tier 1 leverage capital ratio		8.28	%		8.14	%		2
Nonperforming assets to total assets		0.18	%		0.36	%		(50	)
Nonaccrual loans to total loans		0.21	%		0.36	%		(42	)
Allowance for loan losses to total loans		0.95	%		1.01	%		(6	)
Allowance for loan losses and unfunded loan
commitments to total loans		1.09	%		1.17	%		(7	)
Allowance for loan losses to nonaccrual loans		457	%		284	%		61

(1) Excludes the amortization of intangibles and investments in affordable housing partnerships.
(2) Annualized.

EAST WEST BANCORP, INC.
QUARTER TO DATE AVERAGE BALANCES, YIELDS AND RATES PAID
(Dollar in thousands)
(unaudited)

	Quarter Ended December 31,
	2006								2005
	Average								Average
	Volume			Interest		Yield (1)			Volume			Interest		Yield (1)

ASSETS
Interest-earning assets:
Short-term investments	$	8,642		$	111		5.10	%	$	9,685		$	98		4.01	%
Securities purchased under resale agreements		100,000			1,916		7.60	%		50,000			894		7.09	%
Investment securities available-for-sale		1,599,531			20,583		5.11	%		776,982			7,892		4.03	%
Loans receivable		8,328,387			162,201		7.73	%		6,788,370			116,987		6.84	%
FHLB/FRB stock		94,858			1,377		5.76	%		56,233			716		5.05	%
Total interest-earning assets		10,131,418			186,188		7.29	%		7,681,270			126,587		6.54	%

Noninterest-earning assets:
Cash and due from banks		146,847								128,749
Allowance for loan losses		(79,542	)							(69,248	)
Other assets		554,129								393,933
Total assets	$	10,752,852							$	8,134,704

LIABILITIES AND STOCKHOLDERS' EQUITY
Interest-bearing liabilities:
Checking accounts		400,868			1,598		1.58	%		423,155			1,034		0.97	%
Money market accounts		1,172,167			11,972		4.05	%		887,290			5,610		2.51	%
Savings deposits		377,956			678		0.71	%		350,838			296		0.33	%
Time deposits less than $100,000		1,063,442			10,709		4.00	%		933,157			6,719		2.86	%
Time deposits $100,000 or greater		2,701,241			32,584		4.79	%		2,141,836			18,967		3.51	%
Fed funds purchased		133,181			1,808		5.39	%		98,449			1,028		4.14	%
Federal Home Loan Bank advances		1,403,093			17,836		5.04	%		810,407			7,242		3.55	%
Securities sold under repurchase agreements		921,230			8,177		3.52	%		229,089			1,869		3.24	%
Long-term debt		184,023			3,453		7.44	%		153,094			2,471		6.40	%
Total interest-bearing liabilities		8,357,201			88,815		4.22	%		6,027,315			45,236		2.98	%

Noninterest-bearing liabilities:
Demand deposits		1,275,374								1,301,160
Other liabilities		125,229								96,164
Stockholders' equity		995,048								710,065
Total liabilities and stockholders' equity	$	10,752,852							$	8,134,704
Interest rate spread							3.07	%							3.56	%
Net interest income and net margin				$	97,373		3.81	%				$	81,351		4.20	%


(1) Annualized.

EAST WEST BANCORP, INC.
YEAR TO DATE AVERAGE BALANCES, YIELDS AND RATES PAID
(Dollar in thousands)
(unaudited)

	Year Ended December 31,
	2006								2005
	Average								Average
	Volume			Interest		Yield			Volume			Interest		Yield

ASSETS
Interest-earning assets:
Short-term investments	$	10,203		$	431		4.22	%	$	8,554		$	275		3.21	%
Interest bearing deposit in other banks		328			12		3.66	%		-			-		-
Securities purchased under resale agreements		94,795			7,076		7.46	%		15,961			1,118		7.00	%
Investment securities available-for-sale		1,235,633			60,607		4.90	%		673,930			25,912		3.84	%
Loans receivable		7,828,579			587,831		7.51	%		5,886,398			381,327		6.48	%
FHLB/FRB stock		74,399			4,093		5.50	%		59,361			2,767		4.66	%
Total interest-earning assets		9,243,937			660,050		7.14	%		6,644,204			411,399		6.19	%

Noninterest-earning assets:
Cash and due from banks		134,182								110,264
Allowance for loan losses		(75,969	)							(59,355	)
Other assets		511,926								301,472
Total assets	$	9,814,076							$	6,996,585

LIABILITIES AND STOCKHOLDERS' EQUITY
Interest-bearing liabilities:
Checking accounts		414,074			5,693		1.37	%		356,567			2,943		0.83	%
Money market accounts		1,165,938			43,233		3.71	%		710,562			15,785		2.22	%
Savings deposits		388,291			2,626		0.68	%		333,588			953		0.29	%
Time deposits less than $100,000		1,081,768			40,519		3.75	%		840,340			20,149		2.40	%
Time deposits $100,000 or greater		2,481,870			108,194		4.36	%		1,772,071			53,756		3.03	%
Fed funds purchased		110,116			5,597		5.08	%		45,190			1,767		3.91	%
Federal Home Loan Bank advances		1,088,887			50,824		4.67	%		913,184			26,603		2.91	%
Securities sold under repurchase agreements		633,093			23,083		3.65	%		80,894			2,562		3.17	%
Long-term debt		177,668			12,799		7.20	%		104,770			6,766		6.46	%
Total interest-bearing liabilities		7,541,705			292,568		3.88	%		5,157,166			131,284		2.55	%

Noninterest-bearing liabilities:
Demand deposits		1,249,935								1,162,159
Other liabilities		113,819								84,077
Stockholders' equity		908,617								593,183
Total liabilities and stockholders' equity	$	9,814,076							$	6,996,585
Interest rate spread							3.26	%							3.64	%
Net interest income and net margin				$	367,482		3.98	%				$	280,115		4.22	%