Exhibit 99.1

NEWS RELEASE

FOR IMMEDIATE RELEASE:		FOR MORE INFORMATION,
April 25, 2011		CONTACT:		David D. Brown
				(276) 326-9000

First Community Bancshares, Inc. Announces First Quarter 2011 Results

Bluefield, Virginia — First Community Bancshares, Inc. (NASDAQ: FCBC) (www.fcbinc.com) (the “Company”) today reported net income for the quarter ended March 31, 2011, of $5.75 million, or $0.32 per diluted common share.

Commenting on first quarter results, Chief Executive Officer John M. Mendez stated, “We are very proud to report another quarter of solid profitability. Our asset quality metrics continue to improve and still compare very favorably to peer results.”

First Quarter 2011 Highlights —

	•		Return on average assets for the first quarter of 2011 improved to 1.05%, as compared to 0.85% for the fourth quarter of 2010.
	•		Loan loss provisions were reduced by $2.07 million, or 56.27% from the fourth quarter of 2010.
	•		Net charge-offs for the first quarter of 2011 were $1.61 million, a decrease of $2.01 million from the fourth quarter of 2010.
	•		Net interest margin for the first quarter of 2011 improved to 3.96%, an increase of 18 basis points from the fourth quarter of 2010.
	•		Net interest income for the first quarter of 2011 increased $176 thousand, or 0.97%, over the fourth quarter of 2010.
	•		Tangible book value per common share increased to $10.48, up $0.45, or 4.49%, from December 31, 2010.
	•		The ratio of non-performing assets to total assets was 111 basis points, an improvement of 21 basis points from year-end 2010.
	•		The Company significantly exceeds regulatory “well-capitalized” targets with a total risk-based capital ratio of 15.81%, Tier 1 risk-based capital ratio of 14.55%, and a Tier 1 leverage ratio of 9.66% at March 31, 2011.

Net Interest Income

Tax-equivalent net interest margin for the first quarter of 2011 was 3.96% compared to 4.02% from the comparable quarter of 2010. Net interest income was $18.28 million for the first quarter of 2011. Total interest income was $24.59 million for the first quarter of 2011, a decrease of $2.02 million, or 7.60% from the first quarter of 2010. The yield on loans decreased to 6.01% for the first quarter of 2011 from 6.22% in the same period of the prior year, while average loans decreased $13.14 million between the comparable periods to $1.38 billion. The Company continued to maintain a high level of liquidity with average overnight liquidity of $108.18 million during the first quarter of 2011.

First quarter 2011 interest expense was $6.32 million, a decrease of $1.68 million, or 20.99%, from the first quarter of 2010. First quarter 2011 deposit costs decreased $1.62 million compared to the first quarter of 2010, which was primarily due to a decrease in the average rate paid on interest-bearing deposits of 44 basis points to 1.11%. Compared to the first quarter of 2010, interest costs on borrowings decreased $56 thousand to $2.44 million for the first quarter of 2011, while the average balance decreased $23.86 million from the comparable period due to the redemption of various wholesale borrowings. The cost of interest-bearing liabilities decreased 34 basis points during the first quarter of 2011 compared to the first quarter of 2010. Average interest-bearing liabilities decreased $46.41 million, or 2.60% for the first quarter of 2011 compared with the first quarter of 2010, which included a decrease of $20.56 million in Federal Home Loan Bank (“FHLB”) borrowings and other long-term debt.

Noninterest Income

During the first quarter of 2011, wealth management revenues increased $9 thousand, or 1.02%, to $894 thousand from the first quarter of 2010. The Wealth Management Division reported $893 million in assets under management at March 31, 2011. Service charges on deposit accounts were $3.03 million for the first quarter of 2011, an increase of $39 thousand, or 1.30%, from the first quarter of 2010. Insurance commissions were $1.94 million for the first quarter of 2011, a decrease of $258 thousand, or 11.72%, from the previous year. The decrease in insurance commissions reflects the effects of the recent recession, as well as the soft insurance market.

Noninterest Expenses

Noninterest expenses for the first quarter of 2011 increased $1.99 million, or 12.39%, compared to the first quarter of 2010. The increase was primarily due to salaries and employee benefits which increased $1.16 million, or 14.56%, in the first quarter of 2011 compared to the same period in the prior year. The Company has increased staffing levels in credit administration, marketing, and compliance due to increasing regulatory burdens. The Company has also experienced a significant increase in health insurance costs in recent quarters. Federal Deposit Insurance Corporation (“FDIC”) deposit insurance premiums increased $177 thousand, or 25.25% in the first quarter of 2011, compared to the first quarter of 2010. During the first quarter of 2011, the Company prepaid a $25.00 million FHLB advance, and the expense associated with that prepayment was $471 thousand. Other operating expenses were $4.76 million, an increase of $231 thousand, or 5.10%, from the first quarter of 2010. Increases in consulting and service fees and debit card costs of $401 thousand and $181 thousand, respectively, were offset by a decrease in other real estate expenses of $355 thousand.

Credit Quality

The Company’s loan quality measures at March 31, 2011, continue to compare favorably to the industry. Total loan delinquencies of 30 days or more, including non-accrual loans, as a percent of total loans were 2.23% at March 31, 2011. This compares favorably to the most recent Federal Reserve report of the Company’s peer group of bank holding companies with total assets between $1 and $3 billion, which indicates peer total loan delinquencies of 4.55%. The ratio of allowance for loan losses as a percent of loans held for investment was 1.93% at March 31, 2011, compared to 1.91% at December 31, 2010, and 1.89% at September 30, 2010.

Total non-performing assets, which include unseasoned loan restructurings and other real estate owned, were 1.11% of total assets at March 31, 2011, and non-performing loans as a percentage of loans held for investment were 1.40%. These levels are much better by comparison with those in the Federal Reserve peer group, which were last reported as total non-performing assets to total assets of 3.30% and non-performing loans to total loans of 3.57%. Included in non-performing assets are $1.51 million of unseasoned loan restructurings at March 31, 2011.

Balance Sheet

Consolidated assets were $2.24 billion at March 31, 2011. Total stockholders’ equity was $277.85 million at March 31, 2011, resulting in a book value per common share outstanding of $15.53, compared to total stockholders’ equity of $261.16 million and a book value per common share of $14.69 at March 31, 2010. During the first quarter of 2011, the Company paid a $0.10 per share dividend on common shares. 2011 marks the Company’s 26^th consecutive year of paying cash dividends to shareholders.

The Company will host an investor and media teleconference and webcast on Monday, April 25, 2011, at 11:00 a.m. To access the teleconference, the toll-free number is (877) 407-8033. Alternatively, individuals may listen to the live or archived webcast of the conference call. To listen to the webcast, visit www.fcbinc.com and follow the link under the Investor Relations section. The Company’s press release and financial summary will be available in this section, as well. Copies of the Company’s first quarter 2011 earnings press release and financial summary will also be made available upon request via fax, email or postal service mail. To request a copy, contact David D. Brown, Chief Financial Officer, at (276) 326-9000.

Non-GAAP Presentations

The Company prepares its financial statements under accounting principles generally accepted in the United States, or “GAAP.” However, this press release also refers to certain non-GAAP financial measures that we believe, when considered together with GAAP financial measures, provide investors with important information regarding our operational

performance. An analysis of any non-GAAP financial measure should be used in conjunction with results presented in accordance with GAAP.

Core earnings are a non-GAAP financial measure that reflects net income excluding non-recurring income and expense items, taxes, loan loss provisions, losses on other real estate owned, as well as gains, losses, impairment losses on securities, and goodwill impairments from net income. These excluded items are difficult to predict and we believe that core earnings provide the Company and investors with a valuable tool to evaluate the Company’s financial results.

The adjusted efficiency ratio is a non-GAAP financial measure that is computed by dividing core non-interest expense by the sum of net interest income on a tax equivalent basis and core non-interest income. We believe that this measure provides investors with important information about our operating efficiency. Comparison of our adjusted efficiency ratio with those of other companies may not be possible because other companies may calculate the adjusted efficiency ratio differently.

Tangible book value is a non-GAAP financial measure that is defined as stockholders’ equity less goodwill and other intangible assets.

About First Community Bancshares, Inc.

First Community Bancshares, Inc., headquartered in Bluefield, Virginia, is a $2.24 billion financial holding company and is the parent company of First Community Bank, N. A. First Community Bank, N. A. operates through fifty-six locations in the four states of Virginia, West Virginia, North Carolina, and Tennessee. First Community Bank, N. A. offers wealth management services through its Trust & Financial Services Division and Investment Planning Consultants, Inc., a registered investment advisory firm which offers wealth management and investment advice. The Company’s Wealth Management Division managed assets with a market value of $893 million at March 31, 2011. The Company is also the parent company of GreenPoint Insurance Group, Inc., a full-service insurance agency headquartered in High Point, North Carolina, that operates ten offices. The Company’s common stock is traded on the NASDAQ Global Select Market under the symbol, “FCBC”. Additional investor information can be found on the Internet at www.fcbinc.com.

This news release may include forward-looking statements. These forward-looking statements are based on current expectations that involve risks, uncertainties and assumptions. Should one or more of these risks or uncertainties materialize or should underlying assumptions prove incorrect, actual results may differ materially. These risks include: changes in business or other market conditions; the timely development, production and acceptance of new products and services; the challenge of managing asset/liability levels; the management of credit risk and interest rate risk; the difficulty of keeping expense growth at modest levels while increasing revenues; and other risks detailed from time to time in the Company’s Securities and Exchange Commission reports, including but not limited to the Annual Report on Form 10-K for the most recent year ended. Pursuant to the Private Securities Litigation Reform Act of 1995, the Company does not undertake to update forward-looking statements contained within this news release.

First Community Bancshares, Inc.
Condensed Consolidated Statements of Income

		Three Months Ended
(Unaudited)		March 31,
(In Thousands, Except Share and Per Share Data)		2011				2010
Interest Income
Interest and fees on loans held for investment		$	20,455			$	21,354
Interest on securities — taxable			2,533				3,786
Interest on securities — nontaxable			1,533				1,426
Interest on federal funds sold and deposits			69				46
Total interest income			24,590				26,612
Interest Expense
Interest on deposits			3,880				5,502
Interest on borrowings			2,435				2,491
Total interest expense			6,315				7,993
Net interest income			18,275				18,619
Provision for loan losses			1,612				3,665
Net interest income after provision for loan losses			16,663				14,954
Noninterest Income
Wealth management income			894				885
Service charges on deposit accounts			3,031				2,992
Other service charges and fees			1,406				1,281
Insurance commissions			1,943				2,201
Net impairment losses recognized in earnings			(527	)			—
Security gains			1,836				250
Other operating income			916				969
Total noninterest income			9,499				8,578
Noninterest Expense
Salaries and employee benefits			9,129				7,969
Occupancy expense of bank premises			1,647				1,709
Furniture and equipment expense			915				904
Amortization of intangible assets			259				256
FDIC premiums and assessments			878				701
FHLB debt prepayment fees			471				—
Other operating expense			4,764				4,533
Total noninterest expense			18,063				16,072
Income before income taxes			8,099				7,460
Income tax expense			2,348				2,182
Net income available to common shareholders		$	5,751			$	5,278
Per Share
Basic earnings per common share		$	0.32			$	0.30
Diluted earnings per common share		$	0.32			$	0.30
Weighted average shares outstanding:
Basic			17,867,953				17,765,556
Diluted			17,887,118				17,784,449
For the period:
Return on average assets			1.05	%			0.95	%
Return on average common equity			8.47	%			8.32	%
Cash dividends per common share		$	0.10			$	0.10

First Community Bancshares, Inc.
Condensed Quarterly Statements of Income

		As of and for the Quarter Ended
(Unaudited)		March 31,				December 31,				September 30,				June 30,				March 31,
(In Thousands, Except Share and Per Share Data)		2011				2010				2010				2010				2010
Interest Income
Interest and fees on loans held for investment		$	20,455			$	20,950			$	21,440			$	20,997			$	21,354
Interest on securities — taxable			2,533				2,293				2,895				3,730				3,786
Interest on securities — nontaxable			1,533				1,672				1,451				1,394				1,426
Interest on federal funds sold and deposits			69				60				54				34				46
Total interest income			24,590				24,975				25,840				26,155				26,612
Interest Expense
Interest on deposits			3,880				4,407				4,872				5,106				5,502
Interest on borrowings			2,435				2,469				2,371				2,507				2,491
Total interest expense			6,315				6,876				7,243				7,613				7,993
Net interest income			18,275				18,099				18,597				18,542				18,619
Provision for loan losses			1,612				3,686				3,810				3,596				3,665
Net interest income after provision for loan losses			16,663				14,413				14,787				14,946				14,954
Noninterest Income
Wealth management income			894				1,022				909				1,012				885
Service charges on deposit accounts			3,031				3,332				3,457				3,347				2,992
Other service charges and fees			1,406				1,299				1,244				1,250				1,281
Insurance commissions			1,943				1,474				1,663				1,389				2,201
Net impairment losses recognized in earnings			(527	)			—				—				(185	)			—
Securities gains			1,836				4,248				2,574				1,201				250
Other operating income			916				713				1,091				890				969
Total noninterest income			9,499				12,088				10,938				8,904				8,578
Noninterest Expense
Salaries and employee benefits			9,129				9,319				8,753				8,487				7,969
Occupancy expense of bank premises			1,647				1,586				1,573				1,570				1,709
Furniture and equipment expense			915				965				926				918				904
Amortization of intangible assets			259				263				260				253				256
FDIC premiums and assessments			878				727				718				710				701
FHLB debt prepayment fees			471				—				—				—				—
Goodwill impairment			—				1,039				—				—				—
Other operating expense			4,764				5,945				5,199				4,660				4,533
Total noninterest expense			18,063				19,844				17,429				16,598				16,072
Income before income taxes			8,099				6,657				8,296				7,252				7,460
Income tax expense			2,348				1,772				1,743				2,121				2,182
Net income available to common shareholders		$	5,751			$	4,885			$	6,553			$	5,131			$	5,278
Per Share
Basic earnings per common share		$	0.32			$	0.27			$	0.37			$	0.29			$	0.30
Diluted earnings per common share		$	0.32			$	0.27			$	0.37			$	0.29			$	0.30
Cash dividends per common share		$	0.10			$	0.10			$	0.10			$	0.10			$	0.10
Weighted average shares outstanding:
Basic			17,867,953				17,845,857				17,808,348				17,787,325				17,765,556
Diluted			17,887,118				17,891,807				17,832,882				17,805,393				17,784,449

First Community Bancshares, Inc.
Reconciliation of GAAP Net Income to Core Earnings

		Three Months Ended
(Unaudited)		March 31,
(In Thousands, Except Per Share Data)		2011				2010
Net income, GAAP		$	5,751			$	5,278
Non-GAAP adjustments:
Security gains			(1,836	)			(250	)
FHLB debt prepayment fees			471				—
Other-than-temporary security impairments			527				—
Intangibles amortization			259				256
Other non-core items			—				4
Total adjustments to core earnings			(579	)			10
Tax effect			(217	)			4
Core earnings, non-GAAP		$	5,389			$	5,284
Core return on average assets			0.98	%			0.96	%
Core return on average equity			7.94	%			8.33	%
Core diluted earnings per share		$	0.30			$	0.30

Efficiency Ratio Calculation

		Three Months Ended
(Unaudited)		March 31,
(In Thousands)		2011				2010
Noninterest expense, GAAP		$	18,063			$	16,072
Non-GAAP adjustments:
FHLB debt prepayment fees			(471	)			—
OREO expenses			(313	)			(675	)
Intangibles amortization			(259	)			(256	)
Other non-core items			—				(4	)
Adjusted noninterest expense			17,020				15,137
Net interest income, GAAP			18,275				18,619
Noninterest income, GAAP			9,499				8,578
Non-GAAP adjustments:
Tax-equivalency adjustment			866				813
Security gains			(1,836	)			(250	)
Other-than-temporary security impairments			527				—
Adjusted net interest and noninterest income			27,331				27,760
Efficiency Ratio			62.27	%			54.53	%

First Community Bancshares, Inc.
Quarterly Balance Sheets

		For the Quarter Ended
(Unaudited)		March 31,				December 31,				September 30,				June 30,				March 31,
(Dollars In Thousands)		2011				2010				2010				2010				2010
Cash and due from banks		$	52,684			$	28,816			$	37,120			$	35,174			$	33,071
Federal funds sold			121,974				81,526				93,281				15,748				41,891
Interest-bearing balances with banks			809				1,847				1,363				25,609				12,744
Total cash and cash equivalents			175,467				112,189				131,764				76,531				87,706
Securities available-for-sale			430,965				480,064				480,587				502,866				524,297
Securities held-to-maturity			4,524				4,637				5,931				6,468				7,155
Loans held for sale			2,614				4,694				3,386				2,141				1,494
Loans held for investment, net of unearned income			1,375,685				1,386,206				1,398,251				1,399,885				1,390,874
Less allowance for loan losses			26,482				26,482				26,420				25,011				24,508
Net loans			1,351,817				1,364,418				1,375,217				1,377,015				1,367,860
Premises and equipment			56,189				56,244				56,042				56,407				56,772
Other real estate owned			5,644				4,910				5,501				7,108				4,740
Interest receivable			7,288				7,675				7,899				7,859				8,630
Goodwill and intangible assets			90,396				90,639				91,165				90,757				90,805
Other assets			118,690				123,462				143,319				121,835				130,974
Total assets		$	2,240,980			$	2,244,238			$	2,297,425			$	2,246,846			$	2,278,939
Deposits:
Demand		$	222,072			$	205,151			$	216,167			$	205,731			$	205,810
Interest-bearing demand			287,006				262,420				270,927				244,889				246,513
Savings			420,481				426,547				425,661				404,820				427,883
Time			707,458				726,837				744,468				757,979				775,405
Total deposits			1,637,017				1,620,955				1,657,223				1,613,419				1,655,611
Interest, taxes and other liabilities			20,459				21,318				21,377				21,865				21,912
Securities sold under agreements to repurchase			139,472				140,894				153,413				147,772				144,381
FHLB and other indebtedness			166,186				191,193				191,209				195,865				195,873
Total liabilities			1,963,134				1,974,360				2,023,222				1,978,921				2,017,777
Common stock			18,083				18,083				18,083				18,083				18,083
Additional paid-in capital			188,742				189,239				189,811				190,259				190,650
Retained earnings			85,450				81,486				78,385				73,613				70,262
Treasury stock, at cost			(5,851	)			(6,740	)			(7,729	)			(8,583	)			(9,342	)
Accumulated other comprehensive loss			(8,578	)			(12,190	)			(4,347	)			(5,447	)			(8,491	)
Total stockholders’ equity			277,846				269,878				274,203				267,925				261,162
Total liabilities and stockholders’ equity		$	2,240,980			$	2,244,238			$	2,297,425			$	2,246,846			$	2,278,939
Actual shares outstanding at period end			17,894,899				17,866,335				17,834,601				17,807,155				17,782,791
Book value per common share at period end		$	15.53			$	15.11			$	15.37			$	15.05			$	14.69
Tangible book value per common share at period end (1)		$	10.48			$	10.03			$	10.26			$	9.95			$	9.58

First Community Bancshares, Inc.
Selected Credit Quality Information

		As of and for the Quarter Ended
(Unaudited)		March 31,				December 31,				September 30,				June 30,				March 31,
(Dollars in Thousands)		2011				2010				2010				2010				2010
Summary of Loan Loss Experience
Allowance for loan losses:
Beginning balance		$	26,482			$	26,420			$	25,011			$	24,508			$	24,277
Provision for loan losses			1,612				3,686				3,810				3,596				3,665
Charge-offs			(2,124	)			(3,846	)			(2,651	)			(3,373	)			(3,732	)
Recoveries			512				222				250				280				298
Net charge-offs			(1,612	)			(3,624	)			(2,401	)			(3,093	)			(3,434	)
Ending balance		$	26,482			$	26,482			$	26,420			$	25,011			$	24,508
Summary of Asset Quality
Non-accrual loans		$	17,703			$	19,414			$	16,645			$	17,668			$	17,477
Restructured loans			1,509				5,325				7,904				1,206				1,041
Loans 90 days or more past due and still accruing			—				—				—				—				—
Total non-performing loans			19,212				24,739				24,549				18,874				18,518
Other real estate owned			5,644				4,910				5,501				7,108				4,740
Total non-performing assets		$	24,856			$	29,649			$	30,050			$	25,982			$	23,258
Restructured loans performing in accordance with terms		$	7,519			$	3,911			$	849			$	1,557			$	2,050
Asset Quality Ratios
Non-performing loans as a percentage of loans held for investment			1.40	%			1.78	%			1.76	%			1.35	%			1.33	%
Non-performing assets as a percentage of total assets			1.11	%			1.32	%			1.31	%			1.16	%			1.02	%
Annualized net charge-offs as a percentage of average loans held for investment			0.47	%			1.03	%			1.02	%			0.69	%			0.90	%
Allowance for loan losses as a percentage of loans held for investment			1.93	%			1.91	%			1.89	%			1.89	%			1.80	%
Ratio of allowance for loan losses to non-performing loans			1.38				1.07				1.08				1.40				1.35

First Community Bancshares, Inc.
Non-accrual Loan Detail

		As of March 31, 2011
										Non-accrual
(Unaudited)		Loans				Non-accrual				Loans to Loans
(Dollars in Thousands)		Outstanding				Loans				Outstanding
Commercial
Construction — commercial		$	30,758			$	469				1.52	%
Land development			5,781				—				0.00	%
Other land loans			23,959				499				2.08	%
Commercial and industrial			91,964				4,379				4.76	%
Multi-family residential			75,269				1,624				2.16	%
Non-farm, non-residential			345,265				4,706				1.36	%
Agricultural			1,392				—				0.00	%
Farmland			47,228				—				0.00	%
Total commercial			621,616				11,677				1.88	%
Consumer real estate
Home equity lines			111,802				889				0.80	%
Single family residential mortgage			545,316				4,941				0.91	%
Owner-occupied construction			22,506				126				0.56	%
Total consumer real estate			679,624				5,956				0.88	%
Consumer and other
Consumer loans			62,029				70				0.11	%
Other loans			12,416				—				0.00	%
Total consumer and other			74,445				70				0.09	%
Total loans		$	1,375,685			$	17,703				1.29	%

First Community Bancshares, Inc.
Selected Financial Information

		As of and for the Quarter Ended
(Unaudited)		March 31,				December 31,				September 30,				June 30,				March 31,
(Dollars in Thousands)		2011				2010				2010				2010				2010
Ratios
Return on average assets			1.05	%			0.85	%			1.14	%			0.91	%			0.95	%
Return on average common equity			8.47	%			7.00	%			9.49	%			7.73	%			8.32	%
Net interest margin			3.96	%			3.78	%			3.87	%			3.92	%			4.02	%
Efficiency ratio for the quarter			62.27	%			64.82	%			58.92	%			58.26	%			54.53	%
Efficiency ratio year-to-date			62.27	%			59.09	%			57.23	%			56.38	%			54.53	%
Equity as a percent of total assets at end of period			12.40	%			12.03	%			11.94	%			11.92	%			11.46	%
Average earning assets as a percentage of average total assets			88.07	%			87.69	%			87.67	%			87.53	%			87.38	%
Average loans as a percentage of average deposits			84.78	%			85.54	%			85.59	%			85.19	%			85.08	%
Average Balances
Investments		$	470,833			$	498,090			$	503,686			$	505,808			$	488,255
Loans			1,382,526				1,402,178				1,404,746				1,397,528				1,395,669
Earning assets			1,961,538				1,996,106				1,990,953				1,976,118				1,960,511
Total assets			2,227,255				2,276,257				2,270,984				2,257,591				2,243,786
Deposits			1,630,701				1,639,154				1,641,339				1,640,432				1,640,424
Interest bearing deposits			1,418,807				1,427,746				1,433,770				1,433,039				1,441,359
Borrowings			316,864				344,704				342,497				340,001				340,720
Interest bearing liabilities			1,735,671				1,772,450				1,776,267				1,773,041				1,782,079
Equity			275,350				276,723				274,001				266,218				257,419
Tax-equivalent net interest income			19,141				19,040				19,416				19,333				19,432

First Community Bancshares, Inc.
Consolidated Average Balance Sheets, Yields, and Rates

		Three Months Ended March 31,
		2011												2010
(Unaudited)		Average				Interest				Average				Average				Interest				Average
(Dollars in Thousands)		Balance				(1)				Rate (1)				Balance				(1)				Rate (1)
Earning assets
Loans held for investment (2)		$	1,382,526			$	20,496				6.01	%		$	1,395,669			$	21,398				6.22	%
Securities available-for-sale			466,288				4,796				4.17	%			481,116				5,833				4.92	%
Securities held-to-maturity			4,545				95				8.48	%			7,139				148				8.41	%
Interest-bearing deposits with banks			108,179				69				0.26	%			76,587				46				0.24	%
Total earning assets			1,961,538				25,456				5.26	%			1,960,511				27,425				5.67	%
Other assets			265,717												283,275
Total		$	2,227,255											$	2,243,786
Interest-bearing liabilities
Interest-bearing demand deposits		$	271,604			$	211				0.32	%		$	236,484			$	200				0.34	%
Savings deposits			427,727				356				0.34	%			413,037				831				0.82	%
Time deposits			719,476				3,313				1.87	%			791,838				4,471				2.29	%
Retail repurchase agreements			88,684				173				0.79	%			91,976				276				1.22	%
Wholesale repurchase agreements			50,000				467				3.79	%			50,000				463				3.76	%
FHLB borrowings & other long-term debt			178,180				1,795				4.09	%			198,744				1,752				3.58	%
Total interest-bearing liabilities			1,735,671				6,315				1.48	%			1,782,079				7,993				1.82	%
Noninterest-bearing demand deposits			211,894												199,065
Other liabilities			4,340												5,223
Stockholders’ equity			275,350												257,419
Total		$	2,227,255											$	2,243,786
Net interest income, tax-equivalent						$	19,141											$	19,432
Net interest rate spread (3)											3.78	%											3.85	%
Net interest margin (4)											3.96	%											4.02	%