Exhibit 99.1

For immediate release For More Information: J. Bruce Hildebrand, Executive Vice President 325.627.7155

FIRST FINANCIAL BANKSHARES ANNOUNCES

SECOND QUARTER 2017 EARNINGS RESULTS

ABILENE, Texas, July 20, 2017 – First Financial Bankshares, Inc. (NASDAQ: FFIN) today reported earnings for the second quarter of 2017 of $28.26 million, up 5.39 percent when compared with earnings of $26.81 million in the same quarter last year. Basic earnings per share were $0.43 for the second quarter of 2017 compared with $0.41 in the same quarter a year ago.

Net interest income for the second quarter of 2017 increased 4.48 percent to $59.09 million compared with $56.55 million in the same quarter of 2016. The net interest margin, on a taxable equivalent basis, was 4.05 percent in the second quarter of 2017 compared to 4.03 percent in the first quarter of 2017 and 4.12 percent in the second quarter of 2016. Included in interest income for the second quarter of 2017 was $505 thousand, or three basis points in net interest margin, related to discount accretion from fair value accounting related to the Conroe and Orange acquisitions.    

The provision for loan losses was $1.73 million in the second quarter of 2017 compared with $1.95 million in the first quarter of 2017 and $2.06 million in the second quarter of 2016. The continued provision for loan losses in 2017 reflects growth in the loan portfolio, the continued levels of gross charge-offs, as well as the continuing economic effects related to the oil and gas industry. Nonperforming assets as a percentage of loans and foreclosed assets totaled 0.71 percent at June 30, 2017, compared with 0.90 percent at March 31, 2017, and 1.22 percent at June 30, 2016. Classified loans totaled $117.61 million at June 30, 2017, compared to $122.62 million at March 31, 2017, and $132.67 million at June 30, 2016.

At June 30, 2017, loans with oil and gas industry exposure totaled 2.03% of gross loans. These loans comprised $24.40 million of the classified loan totals and $2.86 million of the nonperforming loan totals. In addition, $50 thousand in net charge-offs was related to these oil and gas loans for the quarter ended June 30, 2017. At June 30, 2017, the Company’s allowance for loan loss reserve specific to its total oil and gas loan portfolio totaled 7.24% of total oil and gas loans.

Noninterest income increased 8.08 percent in the second quarter of 2017 to $23.17 million compared with $21.44 million in the same quarter a year ago. Trust fees increased $1.02 million to $5.75 million in the second quarter of 2017 compared with $4.73 million in the same quarter last year, primarily due to continued growth in the fair value of Trust assets managed to $4.73 billion from $4.11 billion a year ago. ATM, interchange and credit card fees increased 12.98 percent to $6.60 million compared with $5.84 million in the same quarter last year due to continued growth in debit cards. Service charges on deposits increased 10.88 percent to $4.88 million compared with $4.40 million in the same quarter a year ago due to continued growth in net new accounts. Also included in noninterest income during the second quarter of 2017 was a gain on sale of securities of $747 thousand compared to $912 thousand in the same quarter a year ago. Offsetting these increases in noninterest income were decreases in loan recoveries to $337 thousand in the second quarter of 2017 compared to $629 thousand in the same quarter a year ago and a loss on sale of foreclosed assets of $72 thousand in the second quarter of 2017 compared to a gain of $278 thousand in the second quarter of 2016.

Noninterest expense for the second quarter of 2017 totaled $43.78 million compared to $40.76 million in the second quarter of 2016. The Company’s efficiency ratio in the second quarter of 2017 was 49.32 percent compared with 48.43 percent in the same quarter last year. The increase in noninterest expense in the second quarter of 2017 was driven by a $1.32 million increase in salary and employee benefit expense, primarily due to merit based pay increases and profit sharing expenses, and an increase of $824 thousand in data processing costs associated with a new Trust technology platform and software amortization and expense resulting from a write-off of internally developed software.

For the first half of 2017, net income increased 4.47 percent to $54.85 million from $52.51 million for the same period a year ago. Basic earnings per share rose to $0.83 in the first half of 2017 from $0.80 in the same period of 2016. Net interest income increased 2.23 percent to $116.11 million in the first half of 2017 from $113.57 million in the same period a year ago. The provision for loan losses totaled $3.68 million compared with $4.39 million in the first half of the previous year. Noninterest income was $44.46 million in the first half of 2017 compared with $41.26 million in the same period of 2016. Noninterest expense rose to $85.93 million in the first half of 2017 compared with $81.84 million during the same period last year.

As of June 30, 2017, consolidated assets for the Company totaled $6.95 billion compared to $6.93 billion at March 31, 2017, and $6.61 billion at June 30, 2016. Loans totaled $3.46 billion at June 30, 2017, compared with loans of $3.39 billion at March 31, 2017, and $3.31 billion at June 30, 2016. Deposits totaled $5.63 billion at June 30, 2017, compared to $5.66 billion at March 31, 2017, and $5.06 billion at June 30, 2016. Shareholders’ equity rose to $887.44 million as of June 30, 2017, compared with $859.35 million at March 31, 2017, and $866.16 million at June 30, 2016.

“We are pleased to report increased earnings for the quarter and improved trends in our credit metrics,” said F. Scott Dueser, Chairman, President and CEO. “We continue to work diligently to grow loans and deposits, reduce expenses to improve our bottom line while continuing to look for acquisition opportunities to better utilize our strong capital position and increase our return to our shareholders.”

About First Financial Bankshares

Headquartered in Abilene, Texas, First Financial Bankshares is a financial holding company that through its subsidiary, First Financial Bank, N.A., operates multiple banking regions with 69 locations in Texas including Abilene, Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Burleson, Cisco, Cleburne, Clyde, Conroe, Cut and Shoot, Decatur, Eastland, Fort Worth, Glen Rose, Granbury, Grapevine, Hereford, Huntsville, Keller, Magnolia, Mauriceville, Merkel, Midlothian, Mineral Wells, Montgomery, Moran, New Waverly, Newton, Odessa, Orange, Port Arthur, Ranger, Rising Star, Roby, San Angelo, Southlake, Stephenville, Sweetwater, Tomball, Trent, Trophy Club, Vidor, Waxahachie, Weatherford, Willis, and Willow Park. The Company also operates First Financial Trust & Asset Management Company, N.A., with seven locations and First Technology Services, Inc., a technology operating company.

The Company is listed on The NASDAQ Global Select Market under the trading symbol FFIN. For more information about First Financial Bankshares, please visit our website at http://www.ffin.com

*****

Certain statements contained herein may be considered “forward-looking statements” as defined in the Private Securities Litigation Reform Act of 1995. These statements are based upon the belief of the Company’s management, as well as assumptions made beyond information currently available to the Company’s management, and may be, but not necessarily are, identified by such words as “expect”, “plan”, “anticipate”, “target”, “forecast” and “goal”. Because such “forward-looking statements” are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. Factors that could cause actual results to differ materially from the Company’s expectations include competition from other financial institutions and financial holding companies; the effects of and changes in trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve Board; changes in the demand for loans; fluctuations in value of collateral and loan reserves; inflation, interest rate, market and monetary fluctuations; changes in consumer spending, borrowing and savings habits; and acquisitions and integration of acquired businesses, and similar variables. Other key risks are described in the Company’s reports filed with the Securities and Exchange Commission, which may be obtained under “Investor Relations-Documents/Filings” on the Company’s Web site or by writing or calling the Company at 325.627.7155. Except as otherwise stated in this news announcement, the Company does not undertake any obligation to update publicly or revise any forward-looking statements because of new information, future events or otherwise.

FIRST FINANCIAL BANKSHARES, INC.

CONSOLIDATED FINANCIAL SUMMARY (UNAUDITED)

(In thousands, except share and per share data)

	As of
	2017						2016
	June 30,			Mar. 31,			Dec. 31,			Sept. 30,			June 30,
ASSETS
Cash and due from banks	$	163,435		$	163,674		$	204,782		$	166,981		$	135,092
Interest-bearing deposits in banks		53,336			55,165			48,574			117,334			67,746
Interest-bearing time deposits in banks		1,458			1,707			1,707			1,707			2,427
Fed funds sold		3,740			3,840			3,130			3,400			2,960
Investment securities		2,964,618			3,018,393			2,860,958			2,729,159			2,795,493
Loans		3,457,679			3,386,141			3,384,205			3,369,384			3,309,388
Allowance for loan losses		(47,410	)		(46,192	)		(45,779	)		(45,298	)		(45,060	)
Net loans		3,410,269			3,339,949			3,338,426			3,324,086			3,264,328
Premises and equipment		123,620			122,787			122,685			122,725			122,326
Goodwill		139,971			139,971			139,971			139,971			139,971
Other intangible assets		3,149			3,464			3,632			3,758			3,959
Other assets		83,796			81,420			86,066			77,615			80,688
Total assets	$	6,947,392		$	6,930,370		$	6,809,931		$	6,686,736		$	6,614,990
LIABILITIES AND SHAREHOLDERS’ EQUITY
Noninterest-bearing deposits	$	1,856,439		$	1,827,609		$	1,717,722		$	1,702,993		$	1,644,812
Interest-bearing deposits		3,770,170			3,834,359			3,760,817			3,532,471			3,411,477
Total deposits		5,626,609			5,661,968			5,478,539			5,235,464			5,056,289
Borrowings		379,324			360,264			445,770			513,759			556,924
Other liabilities		54,017			48,784			47,737			69,569			135,619
Shareholders’ equity		887,442			859,354			837,885			867,944			866,158
Total liabilities and shareholders’ equity	$	6,947,392		$	6,930,370		$	6,809,931		$	6,686,736		$	6,614,990
	Quarter Ended
	2017						2016
	June 30,			Mar. 31,			Dec 31,			Sept. 30,			June 30,
INCOME STATEMENTS
Interest income	$	61,182		$	58,783		$	57,979		$	58,093		$	57,881
Interest expense		2,097			1,763			1,443			1,366			1,330
Net interest income		59,085			57,020			56,536			56,727			56,551
Provision for loan losses		1,725			1,950			1,993			3,833			2,058
Net interest income after provision for loan losses		57,360			55,070			54,543			52,894			54,493
Noninterest income		23,170			21,286			21,721			22,152			21,438
Noninterest expense		43,775			42,152			41,990			42,003			40,756
Net income before income taxes		36,755			34,204			34,274			33,043			35,175
Income tax expense		8,500			7,605			7,608			7,440			8,366
Net income	$	28,255		$	26,599		$	26,666		$	25,603		$	26,809
PER COMMON SHARE DATA
Net income - basic	$	0.43		$	0.40		$	0.40		$	0.39		$	0.41
Net income - diluted		0.43			0.40			0.40			0.39			0.41
Cash dividends declared		0.19			0.18			0.18			0.18			0.18
Book Value		13.41			12.99			12.68			13.14			13.11
Market Value	$	44.20		$	40.10		$	45.20		$	36.44		$	32.79
Shares outstanding - end of period		66,170,312			66,131,832			66,094,695			66,063,285			66,059,912
Average outstanding shares - basic		66,100,089			66,073,399			66,037,447			66,023,069			66,016,562
Average outstanding shares - diluted		66,344,943			66,363,222			66,307,119			66,147,202			66,138,275
PERFORMANCE RATIOS
Return on average assets		1.64	%		1.57	%		1.59	%		1.54	%		1.65	%
Return on average equity		12.94			12.74			12.44			11.72			12.76
Net interest margin (tax equivalent)		4.05			4.03			4.01			4.04			4.12
Efficiency ratio		49.32			49.67			49.61			49.33			48.43
	Six Months Ended
	June 30,
	2017			2016
INCOME STATEMENTS
Interest income	$	119,965		$	116,216
Interest expense		3,860			2,642
Net interest income		116,105			113,574
Provision for loan losses		3,675			4,386
Net interest income after provision for loan losses		112,430			109,188
Noninterest income		44,455			41,258
Noninterest expense		85,926			81,836
Net income before income taxes		70,959			68,610
Income tax expense		16,105			16,105
Net income	$	54,854		$	52,505
PER COMMON SHARE DATA
Net income - basic	$	0.83		$	0.80
Net income - diluted		0.83			0.79
Cash dividends declared		0.37			0.34
Book Value		13.41			13.11
Market Value	$	44.20		$	32.79
Shares outstanding - end of period		66,170,312			66,059,912
Average outstanding shares - basic		66,086,817			65,995,560
Average outstanding shares - diluted		66,362,191			66,153,579
PERFORMANCE RATIOS
Return on average assets		1.61	%		1.61	%
Return on average equity		12.84			12.65
Net interest margin (tax equivalent)		4.04			4.14
Efficiency ratio		49.49			48.97

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

	Quarter Ended
	2017						2016
	June 30,			Mar. 31,			Dec. 31,			Sept. 30,			June 30,
ALLOWANCE FOR LOAN LOSSES
Balance at beginning of period	$	46,192		$	45,779		$	45,298		$	45,060		$	44,072
Loans charged off		(1,174	)		(2,026	)		(1,774	)		(4,372	)		(1,888	)
Loan recoveries		667			489			262			777			818
Net recoveries (charge-offs)		(507	)		(1,537	)		(1,512	)		(3,595	)		(1,070	)
Provision for loan losses		1,725			1,950			1,993			3,833			2,058
Balance at end of period	$	47,410		$	46,192		$	45,779		$	45,298		$	45,060
Allowance for loan losses / period-end loans		1.37	%		1.36	%		1.35	%		1.34	%		1.36	%
Allowance for loan losses / nonperforming loans		210.95			159.48			161.44			131.04			112.36
Net charge-offs / average loans (annualized)		0.06			0.18			0.18			0.43			0.13
SUMMARY OF LOAN CLASSIFICATION
Special Mention	$	27,999		$	23,341		$	24,787		$	25,488		$	26,125
Substandard		89,609			99,280			103,015			101,110			106,540
Doubtful		—			—			—			2			—
Total classified loans	$	117,608		$	122,621		$	127,802		$	126,600		$	132,665
NONPERFORMING ASSETS
Nonaccrual loans	$	21,489		$	28,080		$	27,371		$	33,712		$	38,904
Accruing troubled debt restructured loans		672			695			701			750			961
Accruing loans 90 days past due		314			190			284			107			237
Total nonperforming loans		22,475			28,965			28,356			34,569			40,102
Foreclosed assets		2,245			1,553			644			369			285
Total nonperforming assets	$	24,720		$	30,518		$	29,000		$	34,938		$	40,387
As a % of loans and foreclosed assets		0.71	%		0.90	%		0.86	%		1.04	%		1.22	%
As a % of end of period total assets		0.36			0.44			0.43			0.52			0.61
OIL AND GAS PORTFOLIO INFORMATION
Oil and gas loans	$	70,187		$	75,262		$	78,483		$	86,785		$	87,857
Oil and gas loans as a % of total loans		2.03	%		2.22	%		2.32	%		2.58	%		2.65	%
Classified oil and gas loans		24,404			29,077			32,518			31,541			32,674
Nonaccrual oil and gas loans		2,860			3,208			4,092			5,140			5,763
Net charge-offs for oil and gas loans		50			—			105			104			419
Allowance for oil and gas loans as a % of oil and gas loans		7.24	%		6.59	%		6.28	%		5.60	%		6.57	%
CAPITAL RATIOS
Common equity Tier 1 capital ratio		17.79	%		17.56	%		17.30	%		17.11	%		16.64	%
Tier 1 capital ratio		17.79			17.56			17.30			17.11			16.64
Total capital ratio		18.97			18.72			18.45			18.28			17.79
Tier 1 leverage		10.79			10.60			10.71			10.60			10.50
Equity to assets		12.77			12.40			12.30			12.98			13.09
	Quarter Ended
	2017						2016
	June 30,			Mar. 31,			Dec. 31,			Sept. 30,			June 30,
NONINTEREST INCOME
Trust fees	$	5,747		$	6,017		$	5,189		$	5,066		$	4,726
Service charges on deposits		4,883			4,550			4,773			4,796			4,404
ATM, interchange and credit card fees		6,598			6,164			6,390			6,000			5,840
Real estate mortgage fees		4,188			3,417			4,237			4,697			4,013
Net gain on sale of available-for-sale securities		747			3			117			239			912
Net gain (loss) on sale of foreclosed assets		(72	)		41			112			(10	)		278
Net gain (loss) on sale of assets		(200	)		4			(103	)		(168	)		(74	)
Interest on loan recoveries		337			154			141			709			629
Other noninterest income		942			936			865			823			710
Total noninterest income	$	23,170		$	21,286		$	21,721		$	22,152		$	21,438
NONINTEREST EXPENSE
Salaries and employee benefits, excluding profit sharing	$	22,508		$	22,233		$	21,742		$	22,193		$	22,038
Profit sharing expense		957			1,026			1,329			738			109
Loss from partial settlement of pension plan		—			—			267			—			—
Net occupancy expense		2,771			2,600			2,534			2,672			2,583
Equipment expense		3,665			3,437			3,293			3,420			3,386
FDIC insurance premiums		550			547			525			513			818
ATM, interchange and credit card expenses		1,803			1,713			1,879			1,859			1,806
Legal, tax and professional fees		2,526			2,478			2,386			2,389			2,108
Audit fees		379			419			331			413			400
Printing, stationery and supplies		536			438			590			536			464
Amortization of intangible assets		165			168			168			172			199
Advertising and public relations		1,576			1,544			1,574			1,729			1,537
Operational and other losses		574			985			717			533			433
Software amortization and expense		995			500			525			490			477
Other noninterest expense		4,770			4,064			4,130			4,346			4,398
Total noninterest expense	$	43,775		$	42,152		$	41,990		$	42,003		$	40,756
TAX EQUIVALENT YIELD ADJUSTMENT	$	6,509		$	6,550		$	6,391		$	6,271		$	6,168
	Six Months Ended
	June 30,
	2017			2016
NONINTEREST INCOME
Trust fees	$	11,764		$	9,380
Service charges on deposits		9,433			8,818
ATM, interchange and credit card fees		12,762			11,521
Real estate mortgage fees		7,605			7,153
Net gain (loss) on sale of available-for-sale securities		750			914
Net gain (loss) on sale of foreclosed assets		(31	)		353
Net gain (loss) on sale of assets		(196	)		439
Interest on loan recoveries		491			1,261
Other noninterest income		1,877			1,419
Total noninterest income	$	44,455		$	41,258
NONINTEREST EXPENSE
Salaries and employee benefits, excluding profit sharing	$	44,741		$	43,583
Profit sharing expense		1,983			1,154
Net occupancy expense		5,370			5,214
Equipment expense		7,102			6,766
FDIC insurance premiums		1,097			1,642
ATM, interchange and credit card expenses		3,516			3,492
Legal, tax and professional fees		5,004			4,318
Audit fees		798			850
Printing, stationery and supplies		974			967
Amortization of intangible assets		333			398
Advertising and public relations		3,119			2,982
Operational and other losses		1,559			920
Software amortization and expense		1,495			991
Other noninterest expense		8,835			8,559
Total noninterest expense	$	85,926		$	81,836
TAX EQUIVALENT YIELD ADJUSTMENT	$	13,058		$	12,284

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

	Three Months Ended							Three Months Ended
	June 30, 2017							Mar. 31, 2017
	Average		Tax Equivalent		Yield /			Average		Tax Equivalent		Yield /
	Balance		Interest		Rate			Balance		Interest		Rate
Interest-earning assets:
Fed funds sold	$	5,229	$	8		0.64	%	$	3,529	$	2		0.23	%
Interest-bearing deposits in nonaffiliated banks		45,043		112		1.00			134,556		274		0.83
Taxable securities		1,494,187		8,343		2.23			1,367,331		7,431		2.17
Tax exempt securities		1,528,760		17,414		4.56			1,529,610		17,561		4.59
Loans		3,418,105		41,814		4.91			3,369,599		40,065		4.82
Total interest-earning assets		6,491,324	$	67,691		4.18	%		6,404,625	$	65,333		4.14	%
Noninterest-earning assets		428,245							446,961
Total assets	$	6,919,569						$	6,851,586
Interest-bearing liabilities:
Deposits	$	3,803,412	$	1,930		0.20	%	$	3,808,933	$	1,590		0.17	%
Fed funds purchased and other borrowings		372,910		167		0.18			448,217		173		0.16
Total interest-bearing liabilities		4,176,322	$	2,097		0.20	%		4,257,150	$	1,763		0.17	%
Noninterest-bearing liabilities		1,867,596							1,747,532
Shareholders’ equity		875,651							846,904
Total liabilities and shareholders’ equity	$	6,919,569						$	6,851,586
Net interest income and margin (tax equivalent)			$	65,594		4.05	%			$	63,570		4.03	%
	Three Months Ended							Three Months Ended
	Dec. 31, 2016							Sept. 30, 2016
	Average		Tax Equivalent		Yield /			Average		Tax Equivalent		Yield /
	Balance		Interest		Rate			Balance		Interest		Rate
Interest-earning assets:
Fed funds sold	$	4,703	$	5		0.42	%	$	4,596	$	4		0.33	%
Interest-bearing deposits in nonaffiliated banks		85,907		116		0.54			69,285		95		0.55
Taxable securities		1,281,717		6,459		2.02			1,305,103		6,775		2.08
Tax exempt securities		1,489,463		16,958		4.55			1,478,719		16,541		4.47
Loans		3,374,652		40,831		4.81			3,349,458		40,948		4.86
Total interest-earning assets		6,236,442	$	64,369		4.11	%		6,207,161	$	64,363		4.13	%
Noninterest-earning assets		434,629							428,239
Total assets	$	6,671,071						$	6,635,400
Interest-bearing liabilities:
Deposits	$	3,580,489	$	1,305		0.14	%	$	3,460,208	$	1,111		0.13	%
Fed funds purchased and other borrowings		488,240		137		0.11			569,883		254		0.18
Total interest-bearing liabilities		4,068,729	$	1,442		0.14	%		4,030,091	$	1,365		0.13	%
Noninterest-bearing liabilities		1,749,320							1,736,071
Shareholders’ equity		853,022							869,238
Total liabilities and shareholders’ equity	$	6,671,071						$	6,635,400
Net interest income and margin (tax equivalent)			$	62,927		4.01	%			$	62,998		4.04	%
	Three Months Ended
	June 30, 2016
	Average		Tax Equivalent		Yield /
	Balance		Interest		Rate
Interest-earning assets:
Fed funds sold	$	5,701	$	6		0.44	%
Interest-bearing deposits in nonaffiliated banks		37,159		57		0.61
Taxable securities		1,349,325		7,130		2.11
Tax exempt securities		1,439,575		16,446		4.57
Loans		3,295,557		40,410		4.93
Total interest-earning assets		6,127,317	$	64,049		4.20	%
Noninterest-earning assets		416,414
Total assets	$	6,543,731
Interest-bearing liabilities:
Deposits	$	3,388,572	$	1,033		0.12	%
Fed funds purchased and other borrowings		587,981		297		0.20
Total interest-bearing liabilities		3,976,553	$	1,330		0.14	%
Noninterest-bearing liabilities		1,722,037
Shareholders’ equity		845,141
Total liabilities and shareholders’ equity	$	6,543,731
Net interest income and margin (tax equivalent)			$	62,719		4.12	%
	Six Months Ended							Six Months Ended
	June 30, 2017							June 30, 2016
	Average		Tax Equivalent		Yield /			Average		Tax Equivalent		Yield /
	Balance		Interest		Rate			Balance		Interest		Rate
Interest-earning assets:
Fed funds sold	$	4,384	$	11		0.50	%	$	6,618	$	16		0.48	%
Interest-bearing deposits in nonaffiliated banks		89,552		386		0.87			38,699		108		0.56
Taxable securities		1,431,110		15,774		2.20			1,336,466		14,392		2.15
Tax exempt securities		1,529,183		34,975		4.57			1,433,877		32,772		4.57
Loans		3,393,986		81,877		4.86			3,304,111		81,212		4.94
Total interest-earning assets		6,448,215	$	133,023		4.16	%		6,119,771	$	128,500		4.22	%
Noninterest-earning assets		437,550							424,636
Total assets	$	6,885,765						$	6,544,407
Interest-bearing liabilities:
Deposits	$	3,806,157	$	3,520		0.19	%	$	3,417,096	$	2,085		0.12	%
Fed funds purchased and other short term borrowings		410,355		340		0.17			575,275		557		0.19
Total interest-bearing liabilities		4,216,512	$	3,860		0.18	%		3,992,371	$	2,642		0.14	%
Noninterest-bearing liabilities		1,807,896							1,717,581
Shareholders’ equity		861,357							834,455
Total liabilities and shareholders’ equity	$	6,885,765						$	6,544,407
Net interest income and margin (tax equivalent)			$	129,163		4.04	%			$	125,858		4.14	%