Exhibit 99.2

STERLING FINANCIAL CORPORATION

SELECTED FINANCIAL DATA

(DOLLAR AMOUNTS IN THOUSANDS,

EXCEPT PER SHARE AMOUNTS, UNAUDITED)

	SEPT 30, 2004				JUNE 30, 2004 (1)				SEPT 30, 2003 (1)

ASSETS:
CASH AND CASH EQUIVALENTS	$		106,023		$	93,897			$			75,191
LOANS RECEIVABLE, NET	4,021,008				3,721,991				2,761,174
LOANS HELD FOR SALE	16,367				39,497				22,754
INVESTMENTS AND ASSET-BACKED SECURITIES (ABS) AVAILABLE FOR SALE	2,173,086				2,015,243				1,010,084
INVESTMENTS AND ABS HELD TO MATURITY	47,841				2,228				2,821
OFFICE PROPERTIES AND EQUIPMENT, NET	77,920				77,570				52,385
REAL ESTATE OWNED, NET	3,447				4,629				3,108
GOODWILL, NET	111,050				128,110				45,075
OTHER INTANGIBLE ASSETS, NET	20,403				20,959				2,960
BANK OWNED LIFE INSURANCE (BOLI)	92,792				91,703				72,168
PREPAID EXPENSES AND OTHER ASSETS, NET	63,509				63,284				30,145

TOTAL ASSETS	$	6,733,446			$	6,259,111			$		4,077,865

LIABILITIES:
DEPOSITS	$		3,776,932		$	3,600,639			$	2,421,043
ADVANCES FROM FEDERAL HOME LOAN BANK OF SEATTLE	1,593,503				1,336,439				964,140
REPURCHASE AGREEMENTS AND FED FUNDS	681,843				659,262				259,107
OTHER BORROWINGS	166,134				169,134				139,197
ACCRUED EXPENSES AND OTHER LIABILITIES	67,797				85,415				45,501
TOTAL LIABILITIES	6,286,209				5,850,889				3,828,988

SHAREHOLDERS’ EQUITY:
COMMON STOCK	22,791				22,615				14,812
ADDITIONAL PAID-IN CAPITAL	386,322				384,654				181,036
ACCUMULATED COMPREHENSIVE INCOME (LOSS):
UNREALIZED GAIN (LOSS) ON INVESTMENTS AND ABS (2)	(9,481			)	(31,342			)	(7,278				)
RETAINED EARNINGS	47,605				32,295				60,307
TOTAL SHAREHOLDERS’ EQUITY	447,237				408,222				248,877

TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$		6,733,446		$		6,259,111		$	4,077,865

BOOK VALUE PER SHARE (3)	$		19.62		$		18.05		$	15.28

TANGIBLE BOOK VALUE PER SHARE (4)	$		13.86		$		11.46		$	12.33

SHARES OUTSTANDING AT END OF PERIOD	22,791,122				22,614,706				14,811,661

SHAREHOLDERS’ EQUITY TO TOTAL ASSETS	6.64			%	6.52			%	6.10				%

TANGIBLE SHAREHOLDERS’ EQUITY TO TANGIBLE ASSETS (5)	4.78			%	4.24			%	4.98				%

(1) Certain prior period amounts have been reclassified to conform with the current period’s presentation.

(2) Net of deferred income taxes.

(3) Amounts as of September 30, 2003 have been restated to reflect the 10% stock dividend paid in May 2004.

(4) Amount represents shareholders’ equity less net goodwill and other intangible assets divided by total shares outstanding.

(5) Amount represents shareholders’ equity less net goodwill and other intangible assets divided by assets less net goodwill and other intangible assets.

	THREE MONTHS ENDED												NINE MONTHS ENDED
	SEPT 30, 2004				JUNE 30, 2004				SEPT 30, 2003 (1)				SEPT 30, 2004				SEPT 30, 2003 (1)
INTEREST INCOME:
LOANS	$	57,665			$	55,725			$	43,179			$	165,724			$	125,894
ASSET-BACKED SECURITIES	22,642				20,055				10,558				61,985				29,744
INVESTMENTS AND CASH	1,319				1,460				959				4,548				3,194
TOTAL INTEREST INCOME	81,626				77,240				54,696				232,257				158,832

INTEREST EXPENSE:
DEPOSITS	13,696				12,386				9,322				38,233				27,835
BORROWINGS	17,729				16,130				13,046				49,410				40,058
TOTAL INTEREST EXPENSE	31,425				28,516				22,368				87,643				67,893

NET INTEREST INCOME	50,201				48,724				32,328				144,614				90,939

PROVISION FOR LOSSES ON LOANS	(3,000			)	(3,000			)	(2,850			)	(8,850			)	(7,650		)
NET INTEREST INCOME AFTER PROVISION	47,201				45,724				29,478				135,764				83,289

OTHER INCOME:
FEES AND SERVICE CHARGES	8,116				8,434				5,052				24,836				14,260
MORTGAGE BANKING OPERATIONS	1,477				1,769				2,185				4,440				6,898
LOAN SERVICING FEES	129				160				518				435				449
NET GAIN (LOSS) ON SALES OF SECURITIES	1,264				848				(308			)	4,571				2,729
REAL ESTATE OWNED OPERATIONS	196				(341			)	125				(120			)	(84		)
BOLI	1,089				1,084				979				3,342				2,769
CHARGE RELATED TO EARLY REPAYMENT OF DEBT	0				0				0				0				(1,464		)
OTHER NONINTEREST INCOME (EXPENSE)	396				(145			)	(155			)	(130			)	(363		)
TOTAL OTHER INCOME	12,667				11,809				8,396				37,374				25,194

OPERATING EXPENSES:
EMPLOYEE COMPENSATION AND BENEFITS	19,286				19,118				13,683				57,610				37,638
OCCUPANCY AND EQUIPMENT	5,901				5,929				3,641				17,048				10,805
AMORTIZATION OF OTHER INTANGIBLES	556				555				78				1,667				183
GOODWILL LITIGATION COSTS	146				25				236				286				550
MERGER AND ACQUISITION COSTS	0				922				166				4,835				354
OTHER	10,681				10,539				6,851				29,931				19,140
TOTAL OPERATING EXPENSES	36,570				37,088				24,655				111,377				68,670

INCOME BEFORE INCOME TAXES	23,298				20,445				13,219				61,761				39,813
INCOME TAX PROVISION	(7,988			)	(6,962			)	(4,594			)	(20,984			)	(13,888		)

NET INCOME	$		15,310		$		13,483		$		8,625		$		40,777		$	25,925

EARNINGS PER SHARE - BASIC (2)	$		0.68		$		0.60		$		0.53		$		1.81		$	1.63
EARNINGS PER SHARE - DILUTED (2)	$		0.66		$		0.58		$		0.52		$		1.77		$	1.59

CORE EARNINGS (3)	$		14,488		$		13,531		$		8,933		$		40,949		$	25,333
CORE EARNINGS PER SHARE - BASIC (3)	$		0.64		$		0.61		$		0.55		$		1.82		$	1.60
CORE EARNINGS PER SHARE - DILUTED (3)	$		0.63		$		0.59		$		0.53		$		1.77		$	1.56

WEIGHTED AVERAGE SHARES OUTSTANDING - BASIC (2)	22,677,179				22,589,109				16,270,539				22,540,710				15,871,484
WEIGHTED AVERAGE SHARES OUTSTANDING - DILUTED (2)	23,147,968				23,100,053				16,699,624				23,084,009				16,260,885

(1) Certain prior period amounts have been reclassified to conform with the current period’s presentation.

(2) Weighted average shares and per share amounts for the applicable prior periods have been restated to reflect the 10% stock dividend paid in May 2004.

(3) Core earnings per share excludes net securities gains (losses), merger and acquisition costs and a charge for costs related to early repayment of debt, net of related income taxes. See Exhibit A for a reconciliation to reported earnings per share. Management believes that this presentation of non-GAAP information regarding core earnings provides useful information to investors regarding the registrant’s financial condition and results of operations as core earnings are widely used for comparison purposes in the financial services industry.

	THREE MONTHS ENDED									NINE MONTHS ENDED
	SEPT 30, 2004			JUNE 30, 2004			SEPT 30, 2003 (1)			SEPT 30, 2004			SEPT 30, 2003 (1)

NET INTEREST SPREAD:
YIELD ON LOAN PORTFOLIO	5.91		%	5.98		%	6.10		%	5.92		%	6.30		%
YIELD ON ASSET-BACKED SECURITIES	4.54		%	4.36		%	4.29		%	4.50		%	4.47		%
YIELD ON INVESTMENTS AND CASH	3.10		%	3.40		%	3.87		%	3.07		%	4.37		%
YIELD ON INTEREST-EARNING ASSETS	5.38		%	5.38		%	5.59		%	5.37		%	5.80		%

COST OF DEPOSITS	1.46		%	1.39		%	1.53		%	1.42		%	1.39		%
COST OF BORROWINGS	3.19		%	3.04		%	3.74		%	3.12		%	4.08		%
COST OF INTEREST-BEARING LIABILITIES	2.11		%	2.01		%	2.33		%	2.05		%	2.52		%

NET INTEREST SPREAD	3.27		%	3.37		%	3.26		%	3.32		%	3.28		%

NET INTEREST MARGIN	3.31		%	3.40		%	3.31		%	3.35		%	3.32		%

PERFORMANCE RATIOS:
RETURN ON AVERAGE ASSETS	0.94		%	0.86		%	0.83		%	0.87		%	0.89		%
RETURN ON AVERAGE ASSETS, CORE OPERATING BASIS (2)	0.89		%	0.87		%	0.86		%	0.88		%	0.87		%
RETURN ON AVERAGE SHAREHOLDERS’ EQUITY	14.6		%	12.4		%	13.6		%	13.0		%	14.5		%
RETURN ON AVERAGE SHAREHOLDERS’ EQUITY, CORE OPERATING BASIS (2)	13.9		%	12.5		%	14.1		%	13.1		%	14.2		%
RETURN ON AVERAGE TANGIBLE EQUITY (3)	22.8		%	18.9		%	16.9		%	20.1		%	18.1		%
OPERATING EFFICIENCY	58.2		%	61.3		%	60.5		%	61.2		%	59.1		%
OPERATING EFFICIENCY, CORE OPERATING BASIS (2)	60.2		%	61.2		%	59.3		%	61.0		%	59.8		%
NONINTEREST EXPENSE TO AVERAGE ASSETS (ANNUALIZED)	2.24		%	2.38		%	2.38		%	2.39		%	2.37		%

CAPITAL ADEQUACY:
SHAREHOLDERS’ EQUITY RATIO	6.6		%	6.5		%	6.1		%	6.6		%	6.1		%
REGULATORY CAPITAL RATIOS (FOR STERLING SAVINGS BANK):
CORE CAPITAL RATIO	6.6		%	6.7		%	7.6		%	6.6		%	7.6		%
TIER 1 RISK-BASED CAPITAL RATIO	9.9		%	9.8		%	10.1		%	9.9		%	10.1		%
TOTAL RISK-BASED CAPITAL RATIO	10.8		%	10.9		%	11.1		%	10.8		%	11.1		%

LOAN ORIGINATIONS BY PROPERTY TYPE:
RESIDENTIAL REAL ESTATE	$	105,421		$	91,948		$	146,908		$	268,098		$	425,601
MULTIFAMILY REAL ESTATE	2,588			21,080			23,693			39,005			54,135
COMMERCIAL REAL ESTATE	77,434			37,755			12,435			175,949			97,838
CONSTRUCTION	302,309			213,079			218,072			690,900			542,363
CONSUMER - DIRECT	79,779			127,792			69,127			275,703			163,067
CONSUMER - INDIRECT	12,903			11,512			24,081			37,322			53,943
BUSINESS BANKING	92,065			122,621			93,014			358,039			290,457
CORPORATE BANKING	76,156			160,576			16,055			279,972			114,685
TOTAL LOAN ORIGINATION VOLUME	$	748,655		$	786,363		$	603,385		$	2,124,988		$	1,742,089

(1) Certain prior period amounts have been reclassified to conform with the current period’s presentation.

(2) Core earnings per share excludes net securities gains (losses), merger and acquisition costs and a charge for costs related to early repayment of debt, net of related income taxes. See Exhibit A for a reconciliation to reported earnings per share. Management believes that this presentation of non-GAAP information regarding core earnings provides useful information to investors regarding the registrant’s financial condition and results of operations as core earnings are widely used for comparison purposes in the financial services industry.

(3) Average tangible equity is average shareholders’ equity less average net goodwill and other intangible assets.

	SEPT 30, 2004			JUNE 30, 2004				SEPT 30, 2003

LOANS BY COLLATERAL TYPE:
RESIDENTIAL REAL ESTATE	$	718,686		$	566,218			$	377,459
MULTIFAMILY REAL ESTATE	176,287			185,487				161,830
COMMERCIAL REAL ESTATE	671,976			628,500				478,386
CONSTRUCTION	600,673			572,468				549,641
CONSUMER - DIRECT	537,985			510,362				294,520
CONSUMER - INDIRECT	115,495			106,503				91,488
BUSINESS BANKING	896,321			875,699				681,586
CORPORATE BANKING	357,929			330,540				167,123
DEFERRED LOAN FEES, NET	(7,054		)	(8,535			)	(7,118			)
ALLOWANCE FOR LOSSES ON LOANS	(47,290		)	(45,251			)	(33,741			)
NET LOANS RECEIVABLE	$	4,021,008		$		3,721,991		$		2,761,174

ALLOWANCE FOR LOSSES ON LOANS:
BALANCE AT BEGINNING OF QUARTER	$	45,251		$		43,629		$		32,034
ALLOWANCE FOR LOAN LOSSES ACQUIRED	0			0				0
PROVISION FOR LOSSES ON LOANS	3,000			3,000				2,850
AMOUNTS WRITTEN OFF NET OF RECOVERIES AND OTHER	(961		)	(1,378			)	(1,143			)
BALANCE AT END OF QUARTER	$	47,290		$		45,251		$		33,741

NET CHARGE-OFFS TO AVERAGE NET LOANS (ANNUALIZED)	0.10		%	0.15			%	0.16			%
NET CHARGE-OFFS TO AVERAGE NET LOANS (YTD)	0.10		%	0.08			%	0.10			%

LOAN LOSS ALLOWANCE TO TOTAL LOANS	1.16		%	1.20			%	1.21			%

LOAN LOSS ALLOWANCE TO NONPERFORMING LOANS (EXCLUDING LOANS CLASSIFIED AS LOSS)	443.8		%	428.7			%	153.8			%

NONPERFORMING LOANS TO NET LOANS	0.33		%	0.33			%	0.81			%

NONPERFORMING ASSETS:
ACCRUING LOANS WHICH ARE PAST DUE 90 DAYS	$	0		$		0		$		0
NONACCRUAL LOANS	12,097			10,856				21,151
RESTRUCTURED LOANS	1,341			1,387				1,232
TOTAL NONPERFORMING LOANS	13,438			12,243				22,383
REO	3,447			4,629				3,108
TOTAL NONPERFORMING ASSETS (NPA)	$	16,885		$		16,872		$		25,491

NPA TO TOTAL ASSETS	0.25		%	0.27			%	0.63			%

LOAN DELINQUENCY RATIO (60 DAYS AND OVER)	0.34		%	0.43			%	0.87			%

CLASSIFIED ASSETS	$	74,623		$		80,666		$		69,264

CLASSIFIED ASSETS/TOTAL ASSETS	1.11		%	1.29			%	1.70			%

	THREE MONTHS ENDED						NINE MONTHS ENDED
	SEPT 30, 2004		JUNE 30, 2004		SEPT 30, 2003		SEPT 30, 2004		SEPT 30, 2003

AVERAGE BALANCE SHEET DATA:
AVERAGE LOANS	$	3,881,064	$	3,750,147	$	2,806,570	$	3,737,149	$		2,671,177
AVERAGE ASSET-BACKED SECURITIES	1,985,485		1,848,578		975,730		1,838,727		889,482
AVERAGE INVESTMENTS AND CASH	169,293		172,817		98,379		198,071		97,830
AVERAGE INTEREST-EARNING ASSETS	$	6,035,842	$	5,771,542	$	3,880,679	$	5,773,947	$		3,658,489

AVERAGE DEPOSITS	$	3,727,825	$	3,576,698	$	2,421,711	$	3,585,208	$	2,284,685
AVERAGE BORROWINGS	2,208,496		2,132,482		1,384,432		2,116,533		1,312,917
AVERAGE INTEREST-BEARING LIABILITIES	$	5,936,321	$	5,709,180	$	3,806,143	$	5,701,741	$	3,597,602

AVERAGE ASSETS	6,496,332		6,274,072		4,103,400		6,232,461		3,874,684

AVERAGE SHAREHOLDERS’ EQUITY	416,279		436,652		251,098		418,251		238,479

AVERAGE TANGIBLE EQUITY (1)	267,594		287,176		202,999		270,320		191,462

DEPOSITS DETAIL:
INTEREST-BEARING TRANSACTION ACCOUNTS	$	415,706	$	401,006	$	306,622	$	415,706	$	306,622
NONINTEREST-BEARING TRANSACTION ACCOUNTS	576,456		525,329		315,235		576,456		315,235
SAVINGS AND MONEY MARKET DEMAND ACCOUNTS	1,116,203		1,095,266		641,771		1,116,203		641,771
TIME DEPOSITS	1,668,567		1,579,038		1,157,415		1,668,567		1,157,415
TOTAL DEPOSITS	$	3,776,932	$	3,600,639	$	2,421,043	$	3,776,932	$	2,421,043

NUMBER OF TRANSACTION ACCOUNTS (ACTUAL):
INTEREST-BEARING TRANSACTION ACCOUNTS	45,382		46,145		33,258		45,382		33,258
NONINTEREST-BEARING TRANSACTION ACCOUNTS	101,492		99,496		52,377		101,492		52,377

TOTAL TRANSACTION ACCOUNTS	146,874		145,641		85,635		146,874		85,635

FULL-TIME EQUIVALENT EMPLOYEES AT END OF PERIOD:	1,610		1,552		1,104		1,610		1,104

NONBANKING SUBSIDIARY PRODUCTION:
SALES OF FINANCIAL PRODUCTS	$	20,774	$	20,848	$	9,905	$	56,683	$	26,911

(1) Average tangible equity is average shareholders’ equity less average net goodwill and other intangible assets.

EXHIBIT A - RECONCILIATION SCHEDULE

	AS OF OR FOR THE THREE MONTHS ENDED									AS OF OR FOR THE NINE MONTHS ENDED
	SEPT 30, 2004			JUNE 30, 2004			SEPT 30, 2003 (1)			SEPT 30, 2004			SEPT 30, 2003 (1)
CORE EARNINGS: (2)
NET INCOME, AS REPORTED	$	15,310		$	13,483		$	8,625		$	40,777		$	25,925
SUBTRACT: NET (GAIN) LOSS ON SECURITIES, NET OF TAX	(822		)	(551		)	200			(2,971		)	(1,774		)
ADD BACK: MERGER AND ACQUISITION COSTS, NET OF TAX	0			599			108			3,143			230
ADD BACK: CHARGE ON EARLY DEBT REPAYMENT, NET OF TAX	0			0			0			0			952
CORE EARNINGS	$	14,488		$	13,531		$	8,933		$	40,949		$	25,333

CORE EARNINGS PER SHARE - BASIC: (2)
EARNINGS PER SHARE - BASIC, AS REPORTED	$	0.68		$	0.60		$	0.53		$	1.81		$	1.63
SUBTRACT: NET (GAIN) LOSS ON SECURITIES, NET OF TAX	(0.04		)	(0.02		)	0.01			(0.13		)	(0.10		)
ADD BACK: MERGER AND ACQUISITION COSTS, NET OF TAX	0.00			0.03			0.01			0.14			0.01
ADD BACK: CHARGE ON EARLY DEBT REPAYMENT, NET OF TAX	0.00			0.00			0.00			0.00			0.06
CORE EARNINGS PER SHARE - BASIC	$	0.64		$	0.61		$	0.55		$	1.82		$	1.60

CORE EARNINGS PER SHARE - DILUTED: (2)
EARNINGS PER SHARE - DILUTED, AS REPORTED	$	0.66		$	0.58		$	0.52		$	1.77		$	1.59
SUBTRACT: NET (GAIN) LOSS ON SECURITIES, NET OF TAX	(0.03		)	(0.02		)	0.00			(0.14		)	(0.10		)
ADD BACK: MERGER AND ACQUISITION COSTS, NET OF TAX	0.00			0.03			0.01			0.14			0.01
ADD BACK: CHARGE ON EARLY DEBT REPAYMENT, NET OF TAX	0.00			0.00			0.00			0.00			0.06
CORE EARNINGS PER SHARE - DILUTED	$	0.63		$	0.59		$	0.53		$	1.77		$	1.56

WEIGHTED AVERAGE SHARES OUTSTANDING - BASIC (1)	22,677,179			22,589,109			16,270,539			22,540,710			15,871,484
WEIGHTED AVERAGE SHARES OUTSTANDING - DILUTED (1)	23,147,968			23,100,053			16,699,624			23,084,009			16,260,885
COMMON SHARES OUTSTANDING (1)	22,791,122			22,614,706			16,292,827			22,791,122			16,292,827

RETURN ON AVERAGE ASSETS, CORE OPERATING BASIS: (2)
RETURN ON AVERAGE ASSETS, AS REPORTED	0.94		%	0.86		%	0.83		%	0.87		%	0.89		%
SUBTRACT: NET (GAIN) LOSS ON SECURITIES, NET OF TAX	(0.05		)%	(0.04		)%	0.02		%	(0.06		)%	(0.06		)%
ADD BACK: MERGER AND ACQUISITION COSTS, NET OF TAX	0.00		%	0.05		%	0.01		%	0.07		%	0.01		%
ADD BACK: CHARGE ON EARLY DEBT REPAYMENT, NET OF TAX	0.00		%	0.00		%	0.00		%	0.00		%	0.03		%
RETURN ON AVERAGE ASSETS, CORE OPERATING BASIS	0.89		%	0.87		%	0.86		%	0.88		%	0.87		%

RETURN ON AVERAGE SHAREHOLDERS’ EQUITY, CORE OPERATING BASIS: (2)
RETURN ON AVERAGE SHAREHOLDERS’ EQUITY, AS REPORTED	14.6		%	12.4		%	13.6		%	13.0		%	14.5		%
SUBTRACT: NET (GAIN) LOSS ON SECURITIES, NET OF TAX	(0.7		)%	(0.5		)%	0.3		%	(1.0		)%	(1.0		)%
ADD BACK: MERGER AND ACQUISITION COSTS, NET OF TAX	0.0		%	0.6		%	0.2		%	1.0		%	0.2		%
ADD BACK: CHARGE ON EARLY DEBT REPAYMENT, NET OF TAX	0.0		%	0.0		%	0.0		%	0.0		%	0.5		%
RETURN ON AVERAGE SHAREHOLDERS’ EQUITY, CORE OPERATING BASIS	13.9		%	12.5		%	14.1		%	13.1		%	14.2		%

AVERAGE ASSETS	$	6,496,332		$	6,274,072		$	4,103,400		$	6,232,461		$	3,874,684
AVERAGE SHAREHOLDERS’ EQUITY	416,279			436,652			251,098			418,251			238,479

OPERATING EFFICIENCY RATIO, CORE OPERATING BASIS: (2)
OPERATING EFFICIENCY RATIO, AS REPORTED	58.2		%	61.3		%	60.5		%	61.2		%	59.1		%
ADD BACK: NET (GAIN) LOSS ON SECURITIES	2.0		%	1.4		%	(0.8		)%	2.5		%	2.3		%
SUBTRACT: MERGER AND ACQUISITION COSTS	0.0		%	(1.5		)%	(0.4		)%	(2.7		)%	(0.3		)%
SUBTRACT: CHARGE ON EARLY DEBT REPAYMENT	0.0		%	0.0		%	0.0		%	0.0		%	(1.3		)%
OPERATING EFFICIENCY RATIO, CORE OPERATING BASIS	60.2		%	61.2		%	59.3		%	61.0		%	59.8		%

ADJUSTED SHAREHOLDERS’ EQUITY:
SHAREHOLDERS’ EQUITY, AS REPORTED	$	447,237		$	408,222		$	248,877		$	447,237		$	248,877
ADD (SUBTRACT) UNREALIZED LOSS (GAIN) ON INVESTMENTS AND ABS, NET	9,481			31,342			7,278			9,481			7,278
ADJUSTED SHAREHOLDERS EQUITY	$	456,718		$	439,564		$	256,155		$	456,718		$	256,155

ADJUSTED BOOK VALUE PER SHARE:
BOOK VALUE PER SHARE, AS REPORTED	$	19.62		$	18.05		$	15.28		$	19.62		$	15.28
ADD (SUBTRACT) UNREALIZED LOSS (GAIN) ON INVESTMENTS AND ABS, NET	0.42			1.39			0.45			0.42			0.45
ADJUSTED BOOK VALUE PER SHARE	$	20.04		$	19.44		$	15.73		$	20.04		$	15.73

(1) Weighted average shares and per share amounts for prior periods have been restated to reflect the 10% stock dividend paid in May 2004.

(2) Core earnings per share excludes net securities gains (losses), merger and acquisition costs and a charge for costs related to early repayment of debt, net of related income taxes. Management believes that this presentation of non-GAAP information regarding core earnings provides useful information to investors regarding the registrant’s financial condition and results of operations as core earnings are widely used for comparison purposes in the financial services industry.