Exhibit 99.1

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

FIRST FINANCIAL BANKSHARES ANNOUNCES

THIRD QUARTER EARNINGS RESULTS

ABILENE, Texas, October 20, 2016 – First Financial Bankshares, Inc. (NASDAQ: FFIN) today reported earnings for the third quarter of 2016 of $25.60 million compared with earnings of $25.89 million in the same quarter last year. Basic earnings per share were $0.39 for the third quarter of 2016 compared with $0.40 in the same quarter a year ago.

All amounts for the third quarter and nine months ended September 30, 2016, include the results of the asset purchase of 4Trust Mortgage, Inc. on May 31, 2015, and the acquisition of First Bank, N.A., Conroe, Texas, on July 31, 2015. As of the acquisition date, First Bank had total gross loans of $252.46 million and total deposits of $356.75 million.

Net interest income for the third quarter of 2016 increased 1.12 percent to $56.73 million compared with $56.10 million in the same quarter of 2015. The net interest margin, on a taxable equivalent basis, was 4.04 percent for the third quarter of 2016 compared to 4.12 percent for the second quarter of 2016 and 4.13 percent for the third quarter of 2015. Included in interest income for the third quarter of 2016 was $528 thousand, or four 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 $3.83 million in the third quarter of 2016 compared with $2.06 million in the second quarter of 2016 and $2.66 million in the third quarter of 2015. The continued provision for loan losses in 2016 reflects the continued levels of nonperforming and classified assets, gross charge-offs, as well as the economic effects related to the oil and gas industry. Nonperforming assets as a percentage of loans and foreclosed assets totaled 1.04 percent at September 30, 2016, compared with 1.22 percent at June 30, 2016, and 0.69 percent at September 30, 2015. Classified loans totaled $126.60 million at September 30, 2016, compared to $132.67 million at June 30, 2016, and $112.12 million at September 30, 2015. The increase in provision for loan losses and gross charge-offs in the third quarter of 2016, when compared to the second quarter of 2016 and the same quarter a year ago, is primarily related to one nonaccrual commercial loan, which is in the process of liquidation. The Company recorded gross charge-offs totaling $3.0 million in the third quarter of 2016 due to new facts and circumstances related to this loan. The Company has recorded $4.0 million for the nine months ended September 30, 2016, on this loan.

At September 30, 2016, loans with oil and gas industry exposure totaled 2.58% of gross loans. These loans comprised $31.54 million of the classified loan totals and $5.14 million of the nonperforming loan totals. In addition, $104 thousand in net charge-offs was related to these oil and gas loans for the quarter ended September 30, 2016. At September 30, 2016, the Company’s allowance for loan loss reserve specific to its total oil and gas loan portfolio totaled 5.60% of total oil and gas loans.

Noninterest income increased 8.34 percent in the third quarter of 2016 to $22.15 million compared with $20.45 million in the same quarter a year ago. Trust fees increased to $5.07 million in the third quarter of 2016 compared with $4.82 million in the same quarter last year, due to continued growth in the fair value of Trust assets managed to $4.22 billion from $3.83 billion a year ago. This growth offset a $76 thousand decline in Trust oil and gas fee income in the third quarter of 2016 compared to the same quarter a year ago. ATM, interchange and credit card fees and service charges on deposit accounts increased 3.56 percent and 3.07 percent, respectively, to $6.00 million and $4.80 million compared with $5.79 million and $4.65 million, respectively, in the same quarter last year due to continued growth in net new accounts and debit cards. Real estate mortgage fees increased 25.52 percent in the third quarter of 2016 to $4.70 million compared with $3.74 million in the same quarter a year ago.

Noninterest expense for the third quarter of 2016 totaled $42.00 million compared to $39.97 million in the third quarter of 2015. The Company’s efficiency ratio in the third quarter of 2016 was 49.33 percent compared with 48.44 percent in the same quarter last year. The increase in noninterest expense in the third quarter of 2016 was primarily a result of an increase in salary and employee benefit costs to $22.93 million compared to $21.65 million in the same quarter a year ago, primarily driven by the addition of 4Trust Mortgage and First Bank employees, annual pay increases and a significant increase in medical insurance costs due to several large claims. Included in noninterest expense in the third quarter of 2015 were technology contract termination and conversion related costs totaling $1.14 million related to the First Bank acquisition.

For the nine months ended September 30, 2016, net income increased 3.88 percent to $78.11 million from $75.19 million a year ago. Basic earnings per share rose to $1.18 from $1.16 in the same period last year. Net interest income increased 6.75 percent to $170.30 million for the nine months ended September 30, 2016, from $159.53 million in the same period a year ago. The provision for loan losses totaled $8.22 million compared with $5.51 million in the same period a year ago. Noninterest income was $63.41 million for the first nine months 2016 compared with $54.15 million in the same period a year ago. Noninterest expense rose to $123.84 million compared with $109.12 million during the same period a year ago.

As of September 30, 2016, consolidated assets for the Company totaled $6.69 billion compared to $6.61 billion at June 30, 2016, and $6.47 billion at September 30, 2015. Loans grew to $3.37 billion at September 30, 2016, compared with loans of $3.31 billion at June 30, 2016 and $3.29 billion at September 30, 2015. Deposits totaled $5.24 billion at September 30, 2016, compared to $5.06 billion at June 30, 2016, and $5.10 billion at September 30, 2015. Shareholders’ equity rose to $867.94 million as of September 30, 2016, compared with $866.16 million at June 30, 2016, and $792.03 million at September 30, 2015.

“We were pleased to see growth in our loans and deposits for the third quarter,” said F. Scott Dueser, Chairman, President and CEO. “We continue to realize the effects that the continued low interest rates, commodity prices, and oil and gas prices have on our balance sheet and income statement. We are encouraged that oil and gas prices have increased and, hopefully, will continue. To counteract the effects of these low prices, we are working hard to grow loans and deposits, while cutting 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 eight 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
	2016									2015
	Sept. 30,			June 30,			Mar. 31,			Dec. 31,			Sept. 30,
ASSETS
Cash and due from banks	$	166,981		$	135,092		$	139,995		$	179,140		$	133,340
Interest-bearing deposits in banks		117,334			67,746			22,993			89,936			4,268
Interest-bearing time deposits in banks		1,707			2,427			2,427			3,495			4,491
Fed funds sold		3,400			2,960			2,660			3,810			2,790
Investment securities		2,729,159			2,795,493			2,763,185			2,734,177			2,737,639
Loans		3,369,384			3,309,388			3,299,207			3,350,593			3,288,422
Allowance for loan losses		(45,298	)		(45,060	)		(44,072	)		(41,877	)		(40,420	)
Net loans		3,324,086			3,264,328			3,255,135			3,308,716			3,248,002
Premises and equipment		122,725			122,326			118,208			115,712			116,803
Goodwill		139,971			139,971			139,971			139,971			139,655
Other intangible assets		3,758			3,959			4,198			4,478			4,641
Other assets		77,615			80,688			76,413			85,635			76,016
Total assets	$	6,686,736		$	6,614,990		$	6,525,185		$	6,665,070		$	6,467,645
LIABILITIES AND SHAREHOLDERS’ EQUITY
Noninterest-bearing deposits	$	1,702,993		$	1,644,812		$	1,654,271		$	1,745,952		$	1,720,383
Interest-bearing deposits		3,532,471			3,411,477			3,409,536			3,444,217			3,376,900
Total deposits		5,235,464			5,056,289			5,063,807			5,190,169			5,097,283
Borrowings		513,759			556,924			525,340			615,675			500,903
Other liabilities		69,569			135,619			97,430			54,240			77,425
Shareholders’ equity		867,944			866,158			838,608			804,986			792,034
Total liabilities and shareholders’ equity	$	6,686,736		$	6,614,990		$	6,525,185		$	6,665,070		$	6,467,645
	Quarter Ended
	2016									2015
	Sept. 30,			June 30,			Mar. 31,			Dec 31,			Sept. 30,
INCOME STATEMENTS
Interest income	$	58,093		$	57,881		$	58,335		$	59,047		$	57,163
Interest expense		1,366			1,330			1,312			1,046			1,065
Net interest income		56,727			56,551			57,023			58,001			56,098
Provision for loan losses		3,833			2,058			2,328			4,177			2,664
Net interest income after provision for loan losses		52,894			54,493			54,695			53,824			53,434
Noninterest income		22,152			21,438			19,821			19,280			20,446
Noninterest expense		42,003			40,756			41,081			40,342			39,973
Net income before income taxes		33,043			35,175			33,435			32,762			33,907
Income tax expense		7,440			8,366			7,739			7,570			8,021
Net income	$	25,603		$	26,809		$	25,696		$	25,192		$	25,886
PER COMMON SHARE DATA
Net income - basic	$	0.39		$	0.41		$	0.39		$	0.38		$	0.40
Net income - diluted		0.39			0.41			0.39			0.38			0.40
Cash dividends declared		0.18			0.18			0.16			0.16			0.16
Book Value		13.14			13.11			12.70			12.20			12.01
Market Value	$	36.44		$	32.79		$	29.58		$	30.17		$	31.78
Shares outstanding - end of period		66,063,285			66,059,912			66,043,442			65,990,234			65,942,155
Average outstanding shares - basic		66,023,069			66,016,562			65,974,559			65,940,127			65,335,457
Average outstanding shares - diluted		66,147,202			66,138,275			66,118,998			66,105,098			65,501,697
PERFORMANCE RATIOS
Return on average assets		1.54	%		1.65	%		1.58	%		1.53	%		1.61	%
Return on average equity		11.72			12.76			12.55			12.54			13.63
Net interest margin (tax equivalent)		4.04			4.12			4.15			4.16			4.13
Efficiency ratio		49.33			48.43			49.52			48.38			48.44
	Nine Months Ended Sept. 30,
	2016			2015
INCOME STATEMENTS
Interest income	$	174,309		$	162,576
Interest expense		4,008			3,042
Net interest income		170,301			159,534
Provision for loan losses		8,219			5,508
Net interest income after provision for loan losses		162,082			154,026
Noninterest income		63,410			54,152
Noninterest expense		123,840			109,122
Net income before income taxes		101,652			99,056
Income tax expense		23,544			23,867
Net income	$	78,108		$	75,189
PER COMMON SHARE DATA
Net income - basic	$	1.18		$	1.16
Net income - diluted		1.18			1.16
Cash dividends declared		0.52			0.46
Book Value		13.14			12.01
Market Value	$	36.44		$	31.78
Shares outstanding - end of period		66,063,285			65,942,155
Average outstanding shares - basic		66,004,797			64,540,034
Average outstanding shares - diluted		66,135,918			64,736,155
PERFORMANCE RATIOS
Return on average assets		1.59	%		1.64	%
Return on average equity		12.33			13.99
Net interest margin (tax equivalent)		4.10			4.10
Efficiency ratio		49.09			47.34

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

	Quarter Ended
	2016									2015
	Sept. 30,			June 30,			Mar. 31,			Dec. 31,			Sept. 30,
ALLOWANCE FOR LOAN LOSSES
Balance at beginning of period	$	45,060		$	44,072		$	41,877		$	40,420		$	38,999
Loans charged off		(4,372	)		(1,888	)		(1,782	)		(3,110	)		(1,477	)
Loan recoveries		777			818			1,649			390			234
Net recoveries (charge-offs)		(3,595	)		(1,070	)		(133	)		(2,720	)		(1,243	)
Provision for loan losses		3,833			2,058			2,328			4,177			2,664
Balance at end of period	$	45,298		$	45,060		$	44,072		$	41,877		$	40,420
Allowance for loan losses / period-end loans		1.34	%		1.36	%		1.34	%		1.25	%		1.23	%
Allowance for loan losses / nonperforming loans		131.04			112.36			156.24			143.70			183.39
Net charge-offs / average loans (annualized)		0.43			0.13			0.02			0.33			0.16
SUMMARY OF LOAN CLASSIFICATION
Special Mention	$	25,488		$	26,125		$	31,486		$	40,576		$	43,284
Substandard		101,110			106,540			110,657			108,813			68,772
Doubtful		2			—			—			37			62
Total classified loans	$	126,600		$	132,665		$	142,143		$	149,426		$	112,118
NONPERFORMING ASSETS
Nonaccrual loans	$	33,712		$	38,904		$	27,175		$	28,601		$	21,788
Accruing troubled debt restructured loans		750			961			973			199			204
Accruing loans 90 days past due		107			237			59			341			49
Total nonperforming loans		34,569			40,102			28,207			29,141			22,041
Foreclosed assets		369			285			821			627			701
Total nonperforming assets	$	34,938		$	40,387		$	29,028		$	29,768		$	22,742
As a % of loans and foreclosed assets		1.04	%		1.22	%		0.88	%		0.89	%		0.69	%
As a % of end of period total assets		0.52			0.61			0.44			0.45			0.35
OIL AND GAS PORTFOLIO INFORMATION
Oil and gas loans	$	86,785		$	87,857		$	92,058		$	96,712		$	92,382
Oil and gas loans as a % of total loans		2.58	%		2.65	%		2.79	%		2.89	%		2.81	%
Classified oil and gas loans		31,541			32,674			36,402			34,506			30,028
Nonaccrual oil and gas loans		5,140			5,763			4,917			5,404			2,589
Net charge-offs for oil and gas loans		104			419			517			1,370			567
Allowance for oil and gas loans as a % of oil and gas loans		5.60	%		6.57	%		7.37	%		6.35	%		6.48	%
CAPITAL RATIOS
Common equity Tier 1 capital ratio		17.11	%		16.64	%		16.46	%		15.90	%		15.73	%
Tier 1 capital ratio		17.11			16.64			16.46			15.90			15.73
Total capital ratio		18.28			17.79			17.60			16.97			16.78
Tier 1 leverage		10.60			10.50			10.23			9.96			9.96
Equity to assets		12.98			13.09			12.85			12.08			12.25
	Quarter Ended
	2016									2015
	Sept. 30,			June 30,			Mar. 31,			Dec. 31,			Sept. 30,
NONINTEREST INCOME
Trust fees	$	5,066		$	4,726		$	4,655		$	4,961		$	4,818
Service charges on deposits		4,796			4,404			4,413			4,730			4,653
ATM, interchange and credit card fees		6,000			5,840			5,680			5,651			5,794
Real estate mortgage fees		4,697			4,013			3,139			3,088			3,742
Net gain on sale of available-for-sale securities		239			912			2			51			136
Net gain (loss) on sale of foreclosed assets		(10	)		278			76			528			28
Net gain (loss) on sale of assets		(168	)		(74	)		513			(809	)		(11	)
Interest on loan recoveries		709			629			633			216			323
Other noninterest income		823			710			710			864			963
Total noninterest income	$	22,152		$	21,438		$	19,821		$	19,280		$	20,446
NONINTEREST EXPENSE
Salaries and employee benefits, excluding profit sharing	$	22,193		$	22,038		$	21,545		$	20,647		$	20,007
Profit sharing expense		738			109			1,045			1,265			1,641
Net occupancy expense		2,672			2,583			2,631			2,674			3,050
Equipment expense		3,420			3,386			3,380			3,218			3,114
FDIC insurance premiums		513			818			824			837			819
ATM, interchange and credit card expenses		1,859			1,806			1,687			1,540			1,509
Legal, tax and professional fees		2,389			2,108			2,209			2,037			1,497
Audit fees		413			400			449			359			444
Printing, stationery and supplies		536			464			503			617			594
Amortization of intangible assets		172			199			199			199			200
Advertising and public relations		1,729			1,537			1,444			1,481			1,564
Correspondent bank service charges		240			239			247			239			238
Other noninterest expense		5,129			5,069			4,918			5,229			5,296
Total noninterest expense	$	42,003		$	40,756		$	41,081		$	40,342		$	39,973
TAX EQUIVALENT YIELD ADJUSTMENT	$	6,271		$	6,168		$	6,115		$	6,111		$	5,984
	Nine Months Ended Sept. 30,
	2016			2015
NONINTEREST INCOME
Trust fees	$	14,446		$	14,289
Service charges on deposits		13,614			12,442
ATM, interchange and credit card fees		17,521			16,209
Real estate mortgage fees		11,849			7,321
Net gain (loss) on sale of available-for-sale securities		1,153			380
Net gain (loss) on sale of foreclosed assets		343			10
Net gain (loss) on sale of assets		271			(11	)
Interest on loan recoveries		1,970			834
Other noninterest income		2,243			2,678
Total noninterest income	$	63,410		$	54,152
NONINTEREST EXPENSE
Salaries and employee benefits, excluding profit sharing	$	65,776		$	54,896
Profit sharing expense		1,892			4,190
Net occupancy expense		7,886			7,640
Equipment expense		10,186			9,005
FDIC insurance premiums		2,155			2,316
ATM, interchange and credit card expenses		5,352			4,844
Legal, tax and professional fees		6,708			4,895
Audit fees		1,263			1,196
Printing, stationery and supplies		1,504			1,662
Amortization of intangible assets		570			362
Advertising and public relations		4,710			4,402
Correspondent bank service charges		726			686
Other noninterest expense		15,112			13,028
Total noninterest expense	$	123,840		$	109,122
TAX EQUIVALENT YIELD ADJUSTMENT	$	18,554		$	16,831

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

	Three Months Ended							Three Months Ended
	Sept. 30, 2016							June 30, 2016
	Average Balance		Tax Equivalent Interest		Yield / Rate			Average Balance		Tax Equivalent Interest		Yield / Rate
Interest-earning assets:
Fed funds sold	$	4,596	$	4		0.33	%	$	5,701	$	6		0.44	%
Interest-bearing deposits in nonaffiliated banks		69,285		95		0.55			37,159		57		0.61
Taxable securities		1,305,103		6,775		2.08			1,349,325		7,130		2.11
Tax exempt securities		1,478,719		16,541		4.47			1,439,575		16,446		4.57
Loans		3,349,458		40,948		4.86			3,295,557		40,410		4.93
Total interest-earning assets		6,207,161	$	64,363		4.13	%		6,127,317	$	64,049		4.20	%
Noninterest-earning assets		428,239							416,414
Total assets	$	6,635,400						$	6,543,731
Interest-bearing liabilities:
Deposits	$	3,460,208	$	1,111		0.13	%	$	3,388,572	$	1,033		0.12	%
Fed funds purchased and other borrowings		569,883		254		0.18			587,981		297		0.20
Total interest-bearing liabilities		4,030,091	$	1,365		0.13	%		3,976,553	$	1,330		0.14	%
Noninterest-bearing liabilities		1,736,071							1,722,037
Shareholders’ equity		869,238							845,141
Total liabilities and shareholders’ equity	$	6,635,400						$	6,543,731
Net interest income and margin (tax equivalent)			$	62,998		4.04	%			$	62,719		4.12	%
	Three Months Ended Mar. 31, 2016							Three Months Ended Dec. 31, 2015
	Average Balance		Tax Equivalent Interest		Yield / Rate			Average Balance		Tax Equivalent Interest		Yield / Rate
Interest-earning assets:
Fed funds sold	$	7,534	$	9		0.50	%	$	5,769	$	4		0.31	%
Interest-bearing deposits in nonaffiliated banks		40,239		51		0.51			32,937		33		0.40
Taxable securities		1,323,606		7,262		2.19			1,352,555		7,170		2.12
Tax exempt securities		1,428,178		16,326		4.57			1,408,410		16,305		4.63
Loans		3,312,664		40,802		4.95			3,309,685		41,646		4.99
Total interest-earning assets		6,112,221	$	64,450		4.24	%		6,109,356	$	65,158		4.23	%
Noninterest-earning assets		432,862							427,018
Total assets	$	6,545,083						$	6,536,374
Interest-bearing liabilities:
Deposits	$	3,445,622	$	1,052		0.12	%	$	3,391,514	$	882		0.10	%
Fed funds purchased and other borrowings		562,569		260		0.19			575,861		164		0.11
Total interest-bearing liabilities		4,008,191	$	1,312		0.13	%		3,967,375	$	1,046		0.10	%
Noninterest-bearing liabilities		1,713,122							1,772,060
Shareholders’ equity		823,770							796,939
Total liabilities and shareholders’ equity	$	6,545,083						$	6,536,374
Net interest income and margin (tax equivalent)			$	63,138		4.15	%			$	64,112		4.16	%
	Three Months Ended Sept. 30, 2015
	Average Balance		Tax Equivalent Interest		Yield / Rate
Interest-earning assets:
Fed funds sold	$	8,334	$	8		0.40	%
Interest-bearing deposits in nonaffiliated banks		42,083		33		0.31
Taxable securities		1,372,834		7,296		2.13
Tax exempt securities		1,376,119		16,021		4.66
Loans		3,161,229		39,789		4.99
Total interest-earning assets		5,960,599	$	63,147		4.20	%
Noninterest-earning assets		402,174
Total assets	$	6,362,773
Interest-bearing liabilities:
Deposits	$	3,295,411	$	932		0.11	%
Fed funds purchased and other borrowings		572,431		133		0.09
Total interest-bearing liabilities		3,867,842	$	1,065		0.11	%
Noninterest-bearing liabilities		1,741,319
Shareholders’ equity		753,612
Total liabilities and shareholders’ equity	$	6,362,773
Net interest income and margin (tax equivalent)			$	62,082		4.13	%
	Nine Months Ended Sept. 30, 2016							Nine Months Ended Sept. 30, 2015
	Average Balance		Tax Equivalent Interest		Yield / Rate			Average Balance		Tax Equivalent Interest		Yield / Rate
Interest-earning assets:
Fed funds sold	$	5,939	$	19		0.44	%	$	8,503	$	23		0.36	%
Interest-bearing deposits in nonaffiliated banks		48,969		202		0.55			55,330		148		0.36
Taxable securities		1,325,935		21,167		2.13			1,377,363		22,502		2.18
Tax exempt securities		1,448,933		49,313		4.54			1,288,242		45,102		4.67
Loans		3,319,337		122,162		4.92			3,016,686		111,632		4.95
Total interest-earning assets		6,149,113	$	192,863		4.19	%		5,746,124	$	179,407		4.17	%
Noninterest-earning assets		425,847							372,345
Total assets	$	6,574,960						$	6,118,469
Interest-bearing liabilities:
Deposits	$	3,431,572	$	3,197		0.12	%	$	3,231,925	$	2,761		0.11	%
Fed funds purchased and other short term borrowings		573,464		811		0.19			507,011		281		0.07
Total interest-bearing liabilities		4,005,036	$	4,008		0.13	%		3,738,936	$	3,042		0.11	%
Noninterest-bearing liabilities		1,723,790							1,661,008
Shareholders’ equity		846,134							718,525
Total liabilities and shareholders’ equity	$	6,574,960						$	6,118,469
Net interest income and margin (tax equivalent)			$	188,855		4.10	%			$	176,365		4.10	%