Exhibit 99.2

STERLING FINANCIAL CORPORATION

SELECTED FINANCIAL DATA

(DOLLAR AMOUNTS IN THOUSANDS,

EXCEPT PER SHARE AMOUNTS, UNAUDITED)

	JUNE 30,			MARCH 31,			JUNE 30,
	2005			2005			2004 (1)

ASSETS:
CASH AND CASH EQUIVALENTS	$	126,345		$	125,261		$	93,897
LOANS RECEIVABLE, NET	4,181,265			4,375,036			3,721,991
LOANS HELD FOR SALE	15,559			16,900			39,497
INVESTMENTS AND MORTGAGE-BACKED SECURITIES (MBS) AVAILABLE FOR SALE	1,996,804			2,070,384			2,015,243
INVESTMENTS AND MBS HELD TO MATURITY	49,908			48,873			2,228
OFFICE PROPERTIES AND EQUIPMENT, NET	80,582			79,054			77,570
REAL ESTATE OWNED, NET	2,463			1,459			4,629
GOODWILL, NET	112,391			112,391			128,110
OTHER INTANGIBLE ASSETS, NET	18,736			19,292			20,959
BANK OWNED LIFE INSURANCE (BOLI)	95,957			94,850			91,703
PREPAID EXPENSES AND OTHER ASSETS, NET	63,802			71,007			63,284

TOTAL ASSETS	$	6,743,812		$	7,014,507		$	6,259,111

LIABILITIES:
DEPOSITS	$	4,200,196		$	4,108,310		$	3,600,639
ADVANCES FROM FEDERAL HOME LOAN BANK OF SEATTLE	1,317,141			1,510,140			1,336,439
REPURCHASE AGREEMENTS AND FED FUNDS	536,152			744,880			659,262
OTHER BORROWINGS	111,152			116,378			169,134
ACCRUED EXPENSES AND OTHER LIABILITIES	75,684			63,702			85,415
TOTAL LIABILITIES	6,240,325			6,543,410			5,850,889

SHAREHOLDERS’ EQUITY:
COMMON STOCK	23,084			23,048			22,615
ADDITIONAL PAID-IN CAPITAL	395,865			395,159			384,654
ACCUMULATED COMPREHENSIVE INCOME (LOSS):
UNREALIZED LOSS ON INVESTMENTS AND MBS (2)	(10,494		)	(26,134		)	(31,342		)
RETAINED EARNINGS	95,032			79,024			32,295
TOTAL SHAREHOLDERS’ EQUITY	503,487			471,097			408,222

TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	6,743,812		$	7,014,507		$	6,259,111

BOOK VALUE PER SHARE	$	21.81		$	20.44		$	18.05

TANGIBLE BOOK VALUE PER SHARE (3)	$	16.13		$	14.73		$	11.46

SHARES OUTSTANDING AT END OF PERIOD	23,084,300			23,048,133			22,614,706

SHAREHOLDERS’ EQUITY TO TOTAL ASSETS	7.47		%	6.72		%	6.52		%

TANGIBLE SHAREHOLDERS’ EQUITY TO TANGIBLE ASSETS (4)	5.63		%	4.93		%	4.24		%

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

(2) Net of deferred income taxes.

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

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

	THREE MONTHS ENDED									SIX MONTHS ENDED
	JUNE 30,			MAR 31,			JUNE 30,			JUNE 30,			JUNE 30,
	2005			2005			2004 (1)			2005			2004 (1)
INTEREST INCOME:
LOANS	$	72,619		$	68,043		$	55,725		$	140,662		$	108,059
MORTGAGE-BACKED SECURITIES	21,858			23,082			20,055			44,940			39,343
INVESTMENTS AND CASH	579			941			1,460			1,520			3,229
TOTAL INTEREST INCOME	95,056			92,066			77,240			187,122			150,631

INTEREST EXPENSE:
DEPOSITS	21,105			18,323			12,386			39,428			24,537
BORROWINGS	20,137			20,925			16,130			41,062			31,681
TOTAL INTEREST EXPENSE	41,242			39,248			28,516			80,490			56,218

NET INTEREST INCOME	53,814			52,818			48,724			106,632			94,413

PROVISION FOR LOSSES ON LOANS	(3,400		)	(3,750		)	(3,000		)	(7,150		)	(5,850		)
NET INTEREST INCOME AFTER PROVISION	50,414			49,068			45,724			99,482			88,563

NON INTEREST INCOME:
FEES AND SERVICE CHARGES	8,205			7,403			8,434			15,608			16,720
MORTGAGE BANKING OPERATIONS	6,106			5,372			1,769			11,478			2,963
LOAN SERVICING FEES	103			137			160			240			306
NET GAIN (LOSS) ON SALES OF SECURITIES	0			(57		)	848			(57		)	3,307
REAL ESTATE OWNED OPERATIONS	99			112			(341		)	211			(316		)
BOLI	1,107			1,060			1,084			2,167			2,253
GAIN RELATED TO EARLY REPAYMENT OF DEBT	0			645			0			645			0
OTHER NONINTEREST INCOME (EXPENSE)	(215		)	(33		)	(145		)	(248		)	(526		)
TOTAL NON INTEREST INCOME	15,405			14,639			11,809			30,044			24,707

NON INTEREST EXPENSE:
EMPLOYEE COMPENSATION AND BENEFITS	22,334			22,017			19,118			44,351			38,324
OCCUPANCY AND EQUIPMENT	6,617			6,046			5,929			12,663			11,147
AMORTIZATION OF CORE DEPOSIT INTANGIBLES	555			556			555			1,111			1,111
MERGER AND ACQUISITION COSTS	0			0			922			0			4,835
OTHER	12,096			11,028			10,564			23,124			19,390
TOTAL NON INTEREST EXPENSE	41,602			39,647			37,088			81,249			74,807

INCOME BEFORE INCOME TAXES	24,217			24,060			20,445			48,277			38,463
INCOME TAX PROVISION	(8,209		)	(8,169		)	(6,962		)	(16,378		)	(12,996		)

NET INCOME	$	16,008		$	15,891		$	13,483		$	31,899		$	25,467

EARNINGS PER SHARE - BASIC	$	0.69		$	0.69		$	0.60		$	1.39		$	1.13
EARNINGS PER SHARE - DILUTED	$	0.69		$	0.68		$	0.58		$	1.37		$	1.10

CORE EARNINGS (2)	$	16,008		$	15,521		$	13,531		$	31,529		$	26,460
CORE EARNINGS PER SHARE - BASIC (2)	$	0.69		$	0.68		$	0.61		$	1.37		$	1.18
CORE EARNINGS PER SHARE - DILUTED (2)	$	0.69		$	0.67		$	0.59		$	1.35		$	1.15

WEIGHTED AVERAGE SHARES OUTSTANDING - BASIC	23,065,309			22,989,881			22,589,109			23,027,803			22,471,725
WEIGHTED AVERAGE SHARES OUTSTANDING - DILUTED	23,348,398			23,319,367			23,100,053			23,333,495			23,051,526

(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 gains (losses) 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									SIX MONTHS ENDED
	JUNE 30,			MAR 31,			JUNE 30,			JUNE 30,			JUNE 30,
	2005			2005			2004 (1)			2005			2004 (1)

NET INTEREST SPREAD:
YIELD ON LOAN PORTFOLIO	6.44		%	6.18		%	5.98		%	6.31		%	5.93		%
YIELD ON MORTGAGE-BACKED SECURITIES	4.53		%	4.63		%	4.36		%	4.58		%	4.48		%
YIELD ON INVESTMENTS AND CASH	1.44		%	2.21		%	3.40		%	1.83		%	3.06		%
YIELD ON INTEREST-EARNING ASSETS	5.76		%	5.61		%	5.38		%	5.68		%	5.37		%

COST OF DEPOSITS	2.04		%	1.85		%	1.39		%	1.94		%	1.40		%
COST OF BORROWINGS	3.48		%	3.39		%	3.04		%	3.43		%	3.08		%
COST OF INTEREST-BEARING LIABILITIES	2.55		%	2.44		%	2.01		%	2.49		%	2.02		%

NET INTEREST SPREAD	3.21		%	3.17		%	3.37		%	3.19		%	3.35		%

NET INTEREST MARGIN	3.26		%	3.22		%	3.40		%	3.24		%	3.36		%

PERFORMANCE RATIOS:
RETURN ON AVERAGE ASSETS	0.92		%	0.91		%	0.86		%	0.92		%	0.84		%
RETURN ON AVERAGE ASSETS, CORE OPERATING BASIS (2)	0.92		%	0.89		%	0.87		%	0.91		%	0.87		%
RETURN ON AVERAGE SHAREHOLDERS’ EQUITY	13.4		%	13.5		%	12.4		%	13.5		%	12.2		%
RETURN ON AVERAGE SHAREHOLDERS’ EQUITY, CORE OPERATING BASIS (2)	13.4		%	13.2		%	12.5		%	13.3		%	12.7		%
RETURN ON AVERAGE TANGIBLE EQUITY (3)	18.5		%	18.6		%	18.9		%	18.6		%	18.9		%
OPERATING EFFICIENCY	60.1		%	58.8		%	61.3		%	59.4		%	62.8		%
OPERATING EFFICIENCY, CORE OPERATING BASIS (2)	60.1		%	59.7		%	61.2		%	59.9		%	61.5		%
NONINTEREST EXPENSE TO AVERAGE ASSETS (ANNUALIZED)	2.39		%	2.28		%	2.38		%	2.33		%	2.47		%

CAPITAL ADEQUACY:
SHAREHOLDERS’ EQUITY TO TOTAL ASSETS RATIO	7.5		%	6.7		%	6.5		%	7.5		%	6.5		%
REGULATORY CAPITAL RATIOS (FOR STERLING SAVINGS BANK):
CORE CAPITAL RATIO	7.2		%	6.7		%	6.7		%	7.2		%	6.7		%
TIER 1 RISK-BASED CAPITAL RATIO	10.0		%	9.7		%	9.8		%	10.0		%	9.8		%
TOTAL RISK-BASED CAPITAL RATIO	11.1		%	10.7		%	10.9		%	11.1		%	10.9		%

LOAN ORIGINATIONS BY PROPERTY TYPE:
RESIDENTIAL REAL ESTATE	$	106,489		$	156,483		$	91,948		$	262,972		$	162,677
MULTIFAMILY REAL ESTATE	0			13,267			21,080			13,267			36,417
COMMERCIAL REAL ESTATE	14,700			55,055			37,755			69,755			98,515
CONSTRUCTION	424,519			344,920			213,079			769,439			388,591
CONSUMER - DIRECT	120,593			63,951			127,792			184,544			195,924
CONSUMER - INDIRECT	21,746			15,042			11,512			36,788			24,419
BUSINESS BANKING	130,128			94,148			122,621			224,276			265,974
CORPORATE BANKING	89,955			79,733			160,576			169,688			203,816
TOTAL LOAN ORIGINATION VOLUME	$	908,130		$	822,599		$	786,363		$	1,730,729		$	1,376,333

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

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

STERLING FINANCIAL CORPORATION

SELECTED FINANCIAL DATA

(DOLLAR AMOUNTS IN THOUSANDS, UNAUDITED)

	JUNE 30, 2005				MARCH 31, 2005				JUNE 30, 2004

LOANS BY COLLATERAL TYPE:
RESIDENTIAL REAL ESTATE	$	495,682			$		765,023		$	566,218
MULTIFAMILY REAL ESTATE	225,476				201,927				185,487
COMMERCIAL REAL ESTATE	568,945				696,321				628,500
CONSTRUCTION	801,746				731,072				572,468
CONSUMER - DIRECT	591,409				551,033				510,362
CONSUMER - INDIRECT	128,510				121,161				106,503
BUSINESS BANKING	994,054				956,402				875,699
CORPORATE BANKING	438,038				411,805				330,540
DEFERRED LOAN FEES, NET	(8,002			)	(6,996			)	(8,535			)
ALLOWANCE FOR LOSSES ON LOANS	(54,593			)	(52,712			)	(45,251			)
NET LOANS RECEIVABLE	$	4,181,265			$	4,375,036			$		3,721,991

ALLOWANCE FOR LOSSES ON LOANS:
BALANCE AT BEGINNING OF QUARTER	$	52,712			$	49,362			$		43,629
PROVISION FOR LOSSES ON LOANS	3,400				3,750				3,000
AMOUNTS WRITTEN OFF NET OF RECOVERIES AND OTHER	(1,519			)	(400			)	(1,378			)
BALANCE AT END OF QUARTER	$	54,593			$	52,712			$		45,251

NET CHARGE-OFFS TO AVERAGE NET LOANS (ANNUALIZED)	0.13			%	0.04			%	0.15			%
NET CHARGE-OFFS TO AVERAGE NET LOANS (YTD)	0.03			%	0.01			%	0.08			%

LOAN LOSS ALLOWANCE TO TOTAL LOANS	1.29			%	1.19			%	1.20			%

LOAN LOSS ALLOWANCE TO NONPERFORMING LOANS (EXCLUDING LOANS CLASSIFIED AS LOSS	460.1			%	374.3			%	428.7			%

NONPERFORMING LOANS TO NET LOANS	0.37			%	0.38			%	0.33			%

NONPERFORMING ASSETS:
ACCRUING LOANS WHICH ARE PAST DUE 90 DAYS	$	0			$	0			$		0
NONACCRUAL LOANS	14,020				15,359				10,856
RESTRUCTURED LOANS	1,267				1,301				1,387
TOTAL NONPERFORMING LOANS	15,287				16,660				12,243
REO	2,463				1,459				4,629
TOTAL NONPERFORMING ASSETS (NPA)	$		17,750		$	18,119			$		16,872

NPA TO TOTAL ASSETS	0.26			%	0.26			%	0.27			%

LOAN DELINQUENCY RATIO (60 DAYS AND OVER)	0.45			%	0.37			%	0.43			%

CLASSIFIED ASSETS	$		73,753		$	72,019			$		80,666

CLASSIFIED ASSETS/TOTAL ASSETS	1.09			%	1.03			%	1.29			%

STERLING FINANCIAL CORPORATION

SELECTED FINANCIAL DATA

(DOLLAR AMOUNTS IN THOUSANDS,

EXCEPT AS INDICATED, UNAUDITED)

	THREE MONTHS ENDED						SIX MONTHS ENDED
	JUNE 30, 2005		MAR 31, 2005		JUNE 30, 2004		JUNE 30, 2005		JUNE 30, 2004

AVERAGE BALANCE SHEET DATA:
AVERAGE LOANS	$	4,526,338	$	4,462,135	$	3,750,147	$	4,494,236	$	3,665,191
AVERAGE MORTGAGE-BACKED SECURITIES	1,933,964		2,019,649		1,848,578		1,976,807		1,765,348
AVERAGE INVESTMENTS AND CASH	161,791		172,993		172,817		167,392		212,460
AVERAGE INTEREST-EARNING ASSETS	$	6,622,093	$	6,654,777	$	5,771,542	$	6,638,435	$	5,642,999

AVERAGE DEPOSITS	$	4,158,092	$	4,024,422	$	3,576,698	$	4,091,257	$	3,513,899
AVERAGE BORROWINGS	2,323,964		2,505,019		2,132,482		2,414,491		2,070,553
AVERAGE INTEREST-BEARING LIABILITIES	$	6,482,056	$	6,529,441	$	5,709,180	$	6,505,748	$	5,584,452

AVERAGE ASSETS	6,972,385		7,065,612		6,274,072		7,019,640		6,085,484

AVERAGE SHAREHOLDERS’ EQUITY	478,378		477,712		436,652		478,047		419,247

AVERAGE TANGIBLE EQUITY (1)	346,889		345,660		287,176		346,276		271,693

DEPOSITS DETAIL (ACTUAL):
INTEREST-BEARING TRANSACTION ACCOUNTS	$	420,460	$	430,322	$	401,006	$	420,460	$	401,006
NONINTEREST-BEARING TRANSACTION ACCOUNTS	634,997		611,373		525,329		634,997		525,329
SAVINGS AND MONEY MARKET DEPOSIT ACCOUNTS (MMDA)	1,116,071		1,122,104		1,095,266		1,116,071		1,095,266
TIME DEPOSITS	2,028,668		1,944,511		1,579,038		2,028,668		1,579,038
TOTAL DEPOSITS	$	4,200,196	$	4,108,310	$	3,600,639	$	4,200,196	$	3,600,639

NUMBER OF TRANSACTION ACCOUNTS (ACTUAL):
INTEREST-BEARING TRANSACTION ACCOUNTS	47,745		48,096		46,145		47,745		46,145
NONINTEREST-BEARING TRANSACTION ACCOUNTS	102,477		100,163		99,496		102,477		99,496
TOTAL TRANSACTION ACCOUNTS	150,222		148,259		145,641		150,222		145,641

FULL-TIME EQUIVALENT EMPLOYEES AT END OF PERIOD:	1,707		1,640		1,552		1,707		1,552

NONBANKING SUBSIDIARY PRODUCTION:
SALES OF FINANCIAL PRODUCTS	$	26,183	$	28,915	$	20,848	$	55,098	$	38,181

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

STERLING FINANCIAL CORPORATION

SELECTED FINANCIAL DATA

(DOLLAR AMOUNTS IN THOUSANDS,

EXCEPT PER SHARE AMOUNTS, UNAUDITED)

EXHIBIT A- RECONCILIATION SCHEDULE

	AS OF OR FOR THE																	AS OF OR FOR THE
	THREE MONTHS ENDED																	SIX MONTHS ENDED
	JUNE 30,			MAR 31,							JUNE 30,							JUNE 30,			JUNE 30,
	2005			2005							2004							2005			2004
CORE EARNINGS: (1)
NET INCOME, AS REPORTED	$	16,008		$				15,891			$				13,483			$	31,899		$			25,467
SUBTRACT: NET (GAIN) LOSS ON SECURITIES, NET OF TAX	0			36							(551						)	36			(2,150				)
ADD BACK: MERGER AND ACQUISITION COSTS, NET OF TAX	0			0							599							0			3,143
SUBTRACT: NET (GAIN) LOSS ON EARLY DEBT REPAYMENT, NET OF TAX	0			(406						)	0							(406		)	0
CORE EARNINGS	$	16,008		$					15,521		$					13,531		$	31,529		$			26,460

CORE EARNINGS PER SHARE - BASIC: (1)
EARNINGS PER SHARE - BASIC, AS REPORTED	$	0.69		$					0.69		$					0.60		$	1.39		$			1.13
SUBTRACT: NET (GAIN) LOSS ON SECURITIES, NET OF TAX	0.00			0.00							(0.02						)	0.00			(0.10				)
ADD BACK: MERGER AND ACQUISITION COSTS, NET OF TAX	0.00			0.00							0.03							0.00			0.15
SUBTRACT: NET (GAIN) LOSS ON EARLY DEBT REPAYMENT, NET OF TAX	0.00			(0.01						)	0.00							(0.02		)	0.00
CORE EARNINGS PER SHARE - BASIC	$	0.69		$					0.68		$					0.61		$	1.37		$			1.18

CORE EARNINGS PER SHARE - DILUTED: (1)
EARNINGS PER SHARE - DILUTED, AS REPORTED	$	0.69		$					0.68		$					0.58		$	1.37		$			1.10
SUBTRACT: NET (GAIN) LOSS ON SECURITIES, NET OF TAX	0.00			0.00							(0.02						)	0.00			(0.09				)
ADD BACK: MERGER AND ACQUISITION COSTS, NET OF TAX	0.00			0.00							0.03							0.00			0.14
SUBTRACT: NET (GAIN) LOSS ON EARLY DEBT REPAYMENT, NET OF TAX	0.00			(0.01						)	0.00							(0.02		)	0.00
CORE EARNINGS PER SHARE - DILUTED	$	0.69		$					0.67		$					0.59		$	1.35		$			1.15

WEIGHTED AVERAGE SHARES OUTSTANDING - BASIC	23,065,309			22,989,881							22,589,109							23,027,803			22,471,725
WEIGHTED AVERAGE SHARES OUTSTANDING - DILUTED	23,348,398			23,319,367							23,100,053							23,333,495			23,051,526
COMMON SHARES OUTSTANDING	23,084,300			23,048,133							22,614,706							23,084,300			22,614,706

RETURN ON AVERAGE ASSETS, CORE OPERATING BASIS: (1)
RETURN ON AVERAGE ASSETS, AS REPORTED	0.92		%	0.91						%	0.86						%	0.92		%	0.84				%
SUBTRACT: NET (GAIN) LOSS ON SECURITIES, NET OF TAX	0.00		%	0.00						%	(0.04						)%	0.00		%	(0.07				)%
ADD BACK: MERGER AND ACQUISITION COSTS, NET OF TAX	0.00		%	0.00						%	0.05						%	0.00		%	0.10				%
SUBTRACT: NET (GAIN) LOSS ON EARLY DEBT REPAYMENT, NET OF TAX	0.00		%	(0.02						)%	0.00						%	-0.01		%	0.00				%
RETURN ON AVERAGE ASSETS, CORE OPERATING BASIS	0.92		%	0.89						%	0.87						%	0.91		%	0.87				%

RETURN ON AVERAGE SHAREHOLDERS’ EQUITY, CORE OPERATING BASIS: (1)
RETURN ON AVERAGE SHAREHOLDERS’ EQUITY, AS REPORTED	13.4		%	13.5						%	12.4						%	13.5		%	12.2				%
SUBTRACT: NET (GAIN) LOSS ON SECURITIES, NET OF TAX	0.0		%	0.0						%	(0.5						)%	0.0		%	(1.0				)%
ADD BACK: MERGER AND ACQUISITION COSTS, NET OF TAX	0.0		%	0.0						%	0.6						%	0.0		%	1.5				%
SUBTRACT: NET (GAIN) LOSS ON EARLY DEBT REPAYMENT, NET OF TAX	0.0		%	(0.3						)%	0.0						%	-0.2		%	0.0				%
RETURN ON AVERAGE SHAREHOLDERS’ EQUITY, CORE OPERATING BASIS	13.4		%	13.2						%	12.5						%	13.3		%	12.7				%

AVERAGE ASSETS	$	6,972,385		$		7,065,612					$			6,274,072				$	7,019,640		$	6,085,484
AVERAGE SHAREHOLDERS’ EQUITY	478,378			477,712							436,652							478,047			419,247

OPERATING EFFICIENCY RATIO, CORE OPERATING BASIS: (1)
OPERATING EFFICIENCY RATIO, AS REPORTED	60.1		%	58.8						%	61.3						%	59.4		%	62.8				%
ADD BACK: NET (GAIN) LOSS ON SECURITIES	0.0		%	(0.1						)%	1.4						%	0.0		%	2.8				%
SUBTRACT: MERGER AND ACQUISITION COSTS	0.0		%	0.0						%	(1.5						)%	0.0		%	(4.1				)%
ADD BACK: NET GAIN (LOSS) ON EARLY DEBT REPAYMENT, NET OF TAX	0.0		%	1.0						%	0.0						%	0.5		%	0.0				%
OPERATING EFFICIENCY RATIO, CORE OPERATING BASIS	60.1		%	59.7						%	61.2						%	59.9		%	61.5				%

ADJUSTED SHAREHOLDERS’ EQUITY:
SHAREHOLDERS’ EQUITY, AS REPORTED	$	503,487		$			471,097				$		408,222					$	503,487		$		408,222
ADD (SUBTRACT) UNREALIZED LOSS (GAIN) ON INVESTMENTS AND MBS, NET	10,494			26,134							31,342							10,494			31,342
ADJUSTED SHAREHOLDERS EQUITY	$	513,981		$			497,231				$	439,564						$	513,981		$		439,564

ADJUSTED BOOK VALUE PER SHARE:
BOOK VALUE PER SHARE, AS REPORTED	$	21.81		$	20.44						$	18.05						$	21.81		$		18.05
ADD (SUBTRACT) UNREALIZED LOSS (GAIN) ON INVESTMENTS AND MBS, NET	0.45			1.13							1.39							0.45			1.39
ADJUSTED BOOK VALUE PER SHARE	$	22.26		$	21.57						$	19.44						$	22.26		$		19.44

(1) Core earnings per share excludes net securities gains (losses), merger and acquisition costs and gains (losses) 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.