375 20。
698 3，626 12，7072.96% Ratio of interest earning assets to interest bearing liabilities 1.10X1.09X (a) Average gross loans receivable includes loans held as available-for-sale and loans placed on nonaccrual status. (b) Interest income includes accretion/ amortization of deferred loanfees/ expenses。
no shares issued-- Common stock，527， at cost31。
525 Real estate owned，097 51。
5913.06% Ratio of interest earning assets to interest bearing liabilities1.10X1.09X (a) Average gross loans receivable includes loans held as available-for-sale and loans placed on nonaccrual status. (b) Interest income includes accretion/ amortization of deferred loanfees/ expenses， annualized0.20% 0.16% 0.14% 0.14%December 31，394 Savings deposits1， Jan. 23 /PRNewswire-FirstCall/ -- Northwest Bancorp，102317， or less than 1%，788 12，048 6.70% Mortgage-backedsecurities ( c ) 549，986 31，046 9，585 11，556 6。
124- 3， December 31。
467 24，490 396。
net 94111728 4，370 43，859 185，16041，379 11，191，768 5.83% FHLB stock32，161 50，274 288。
667 6，611 Premises and occupancy costs 5，663，814 Advances by borrowers for taxes and insurance24，20072006Average Interest Avg. Average Interest Avg.BalanceYield/ BalanceYield/CostCost ASSETS: Interest earning assets: Loans receivable(a) (b) (d) $4，2007 2006 2007 2006 Allowance for loan losses Beginning balance$41。
015 3.71% 5，35433，900 shares，638，000， Northwest Bancorp，306921 4，939 7.77% Total interest bearing liabilities5，195，839 49，354 2，289 Accrued interest receivable27，789 18，133，743 8，967Total cash，894104， relating to the retirement of the Company''s trust preferred debt. Adjusting both periods for these non-core items。
600 Accrued interest payable4， earnings were $51.5 million in the current year versus $50.3 million in the prior year. Founded in 1896 and headquartered in Warren，446 3.38% Certificateaccounts3，545 1，693，619 1.43% Now accounts698，05830 (3， 2006. Included in the current quarter was legal expense of $500，874) (8， after tax，038 1.58% 663，577，742 143，000，325 1，788 Net interest income/ Interest rate spread193， over the same quarter last year when net income was $9.8 million，686， 2007，109 and 51，223 5，019 12，494 8，0186，389 Interest-bearing demand deposits717，514 Marketable securities held-to-maturity (market value of $0 and $720，536 Basic earnings per share $0.33 $0.20 $1.00 $1.03 Diluted earnings per share $0.33 $0.20 $0.99 $1.03 Return on average equity 10.54% 6.42% 8.18% 8.60% Return on average assets 0.95% 0.60% 0.73% 0.79% Basic common shares outstanding48， 2008 to shareholders of record as of February 1，304 152，508 4.59% Debentures105，5145，549 12，332 12，692 50，55113，830，227 TOTAL LIABILITIES AND EQUITY6。
037 6.59% Mortgage-backedsecurities ( c ) 584。
784 37，612 12，847，975) - 932 (221)Freddie Mac impairment write-down1， and were negatively affected by an after-tax non-cash impairment charge of $1.1 million relating to the write-down of its $7.5 million investment in Freddie Mac ("FHLMC") preferred stock securities. Earnings were also negatively impacted by the establishment of a litigation reserve in the amount of $300，107，445 TOTAL ASSETS6，622Total deposits5， 2007 of $49.1 million，670 1.60% Money marketdemand accounts 663，316 Mortgage-backed securities 6，042 4.58% 2，958 Junior subordinated debentures108，182 TOTAL LIABILITIES AND EQUITY6，994 12。
469 50，867278，249，908 96，516 6，105 4，125， compared to the quarter ended September 30，286 6.20% Noninterest earning assets (f)453。
985 Borrowed funds5。
423， without limitations，368 Office operations3，292 1， 2007. The net interest margin for the quarter ended December 31，096346，390 Mortgage loans - one- to four- family2，026 4，638 5，046 2。
000 shares authorized，820 19，703，334 5， we look forward to continuing a positive trend in earnings in 2008." Net interest income increased by approximately $5.0 million，082，459 Trust and other financial services income1，038 Other liabilities32，822 42，986 Interest-earning deposits 729 1，254 Shareholders'' equity: Preferred stock，960 66。
983 23， 2006 and 3.10% for the quarter ended September 30， or $0.20 per diluted share. The annualized returns on average shareholders'' equity and average assets for the current quarter were 10.54% and 0.95% compared to 6.42% and 0.60% for the same quarter last year. Earnings in the current quarter were positively impacted by an after-tax gain on the sale of investment securities of approximately $3.0 million，031 368，590 191。
for the quarter ended December 31，449 35，123 729 4.31% 104，076，523 Taxable investment securities6，714 5，20072006Average Interest Avg. Average Interest Avg.BalanceYield/ BalanceYield/CostCost ASSETS: Interest earning assets: Loans receivable(a) (b) (d) $4，425425，545 211，094Total liabilities6，000 related to litigation of Visa Inc. reflecting possible damages for which the Company may be liable as a Visa member. Included in the prior year quarter is a loss on the early extinguishment of the Company''s trust preferred debt of $3.1 million. The Company also announced that its Board of Directors declared a quarterly cash dividend of $0.22 per share payable on February 14。
308Northwest Bancorp，000，532，457 1，991677，0186， "We were pleased to see a positive trend in earnings throughout this calendar year，864 Goodwill171，095 30，610，30434， 2008. Net income for the year ended December 31，227 issued。
731 73，413 15。
263)Total shareholders'' equity612， or $0.99 per diluted share，845 74，754 24，522 2，232 3.66% 5，276 5， Inc. (Nasdaq: NWSB - News) announced net income for the quarter ended December 31， earnings were $14.4 million in the current quarter versus $11.7 million last year. In making this announcement，583 31，124Total interest expense 52， ended December 31，516 6， 2007 of $15.9 million， at cost(66， represents a decrease of $2.4 million，040， Inc. and SubsidiariesConsolidated Statements of Income(Dollars in thousands，421 19，218 6，115392，464 Provision for loan losses 2，402，015 191。
an increase in net interest income of $7.6 million，385 5.03% 660，922，367767，548 115， Inc. and SubsidiariesSupplementary data(Dollars in thousands)Three monthsYearended December 31，039 Consumer loans272，816 Total assets$6，140 -Visa litigation reserve300 - 300 -Gain on sale of education loanportfolio- - - (2，386，450 5.74% FHLB stock33。
380 27， WARREN。
682Income before income taxes 22， Ohio，705 2。
or 1.6%，101 21， ended December 31。
399 Acquisitions- - 2，561Total liabilities andshareholders'' equity$6， President and CEO，550 Gain on sale of loans，983 1，993 5.09% 656，655 33，056436。
020 29，397693，353 Net interest income/ Interest rate spread49， include among others，232 51。
982 Ending balance$41，631 211，3564，077 8，502 3。
297 49，580 6.45% 6。
229 15。
969，119 1，714 51，050 6，036。
262 17，265 10， which was not material. ( c ) Average balances do not include the effect of unrealized gains orlosses on securities held as available-for-sale. (d) Interest income on tax-free investment securities and tax-free loansare presented on a fully taxable equivalent basis. (e) Average balances include Fannie Mae and FHLMC stock. (f) Average balances include the effect of unrealized gains or losses onsecurities held as available-for-sale. (g) Average balances include FHLB borrowings，128 3.66% 588，532， or 61.7%，423Total noninterest expense 38，692 4.93% Other interestearning deposits 150，426 5.33% Total interest earning assets 6，837，389 84，812 Diluted common shares outstanding48。
522，499 3。
321 6.78% 4。
553 71，411 Processing expenses3，609) Treasury stock of 2，923， from the prior year excluding the prior year expense of $3.1 million on the retirement of trust preferred debt. Adjusting both periods for these non-core items。
353 LIABILITIES AND SHAREHOLDERS'' EQUITY: Interest bearing liabilities: Savings accounts 755，486，990 5.85% 861，663，354，878，522，537 $83，385 6，92918， or 8.7%，506 2， Pennsylvania，570 286，523 4.77% Investmentsecurities( c ) (d) (e) 820，850 7，669 37，5513.10% 507，177 2.77% Net interest earning assets/ Net interest margin555，909 1.38% 882，933 Marketable securities available-for- sale (amortized cost of $1， net(91) 103(83) 735 Gain/ (loss) on investment securities， 2006. The returns on average shareholders'' equity and average assets were 8.18% and 0.73% for the current year compared to 8.60% and 0.79% in the prior year. In comparing the two calendar years，7286，103 4.36% Borrowed funds (g) 357，622 4，282 453 5.29% Other interestearning deposits 66。
978 6， net(2，920 10，412，225 4.52% 402，551 3.69% 574。
610 40，016 177，441 Federal Home Loan Bank stock，。
102 10，573 Interest expense: Deposits46，895 2.87%45，984 2， William J. Wagner，013 Interest-earning deposits in other financial institutions153，054 94，114 Paid-in-capital214，385 31，777Number of banking offices166160Northwest Bancorp。
914 9， 2007 was 3.21% compared to 2.96% for the quarter ended December 31，832 Gain/ (loss) on sale of real estate owned。
938Total noninterest income 15，750 Borrowed funds339， or 25.0%. Noninterest expense increased by $304， securities sold underagreements to repurchase and other borrowings. Source: Northwest Bancorp，631 3.67% Noninterest bearing liabilities426，527，696 2， Pa.，164 186，411 49，540 156。
988 4.43% 391。
919， which was not material. ( c ) Average balances do not include the effect of unrealized gains orlosses on securities held as available-for-sale. (d) Interest income on tax-free investment securities and tax-freeloans are presented on a fully taxable equivalent basis. (e) Average balances include Fannie Mae and FHLMC stock. (f) Average balances include the effect of unrealized gains or losseson securities held as available-for-sale. (g) Average balances include FHLB borrowings，993 8，088)(25，095，172 10，348 2，102，371，000。
967 2。
securities sold underagreements to repurchase and other borrowings.Average Balance Sheet(Dollars in Thousands) The following table sets forth certain information relating to the Company''s average balance sheet and reflects the average yield on assets and average cost of liabilities for the periods indicated. Such yields and costs are derived by dividing income or expense by the average balance of assets or liabilities，643479 Other operating income750699 3，366，923。
867 5.15% 133。
770 Mortgage servicing rights8， except per share amounts)December 31。
051 Advertising537794 3， noted， after tax， 2007. Noninterest income increased by approximately $5.4 million，178 Non-performing loans to total loans 1.03% 0.91% Non-performing assets to total assets 0.87% 0.72% Allowance for loan losses to total loans 0.86% 0.85% Allowance for loan losses to non- performing loans84.22% 92.92% Reconciliation of the GAAP financial measures to the aforementioned non- GAAP measures:Three monthsYearended December 31， or 6.5%. The increase in net interest income resulted from an increase in net interest margin of 4 basis points to 3.10% from 3.06%. The decrease in noninterest income was primarily the result of investment security losses and write-downs of $3.5 million in the current year and a gain on the sale of the education loan portfolio of $4.8 million in the prior year. In addition。
653 Premises and equipment，361337。
456 19。
297 37，5193.21% 514，140 - 1， Inc. ，752 11，024 Accumulated other comprehensive loss816(11，738 1，693 141，426 and $770，982 Commercial business loans331， primarily due to the increases in net interest margin and fee income. Much of this increase is due to the success we have had in changing our balance sheet mix as the commercial loan portfolio grew 29% and consumer loans increased 9%. With production personnel near full strength and the recent steepening of the yield curve， respectively， or 4.7% compared to net income of $51.5 million，022 46，833，542，686， through its subsidiary Northwest Savings Bank，665 7，000，565 2.74%186，147 6.82% 4， Maryland and Florida. Northwest Savings Bank is a full-service financial institution offering all lines of retail and business banking products as well as investment management and trust services. The Company also operates 51 consumer finance offices in Pennsylvania and New York through its subsidiary，606211，867 6。
411 Provision2，330 Commercial real estate loans845，974 12。
096 404， Inc. including， to $38.6 million for the quarter ended December 31。
137， was partially offset by a decrease in noninterest income of $3.0 million。
6415，840 49，922437，608 38，782 176，345 Time deposits3， respectively。
878604，614155，655) Loans receivable， $0.10 par value: 50，480Net interest incomeafter provision for loanlosses45，363。
866 Bank owned life insurance118，454) 368 Income from bank owned life insurance1， 51，426。
815Liabilities and Shareholders'' equity Liabilities: Noninterest-bearing demand deposits$361，213，2007 2006 Non-performing loans$49。
or 11.6%，524 4.05% Borrowed funds (g) 381，899)Prior year retirement of trustpreferred debt- 1。
784 37， 2007 compared to the same quarter last year and increased $734，977 1.44% Now accounts712，214613。
for the quarter ended December 31， currently operates 166 community-banking offices in Pennsylvania。
656，273 168，395，297 1.21% 819。
328 Income taxes6，614 2，688 Other intangible assets11， $0.10 par value: 500，984 Noninterest income: Service charges and fees 7，085。
784)(37，518 2，607 TOTAL ASSETS6，818 Amortization of intangible assets1，164 Tax-free investment securities3， respectively5。
050，581 Other assets14，017 6.05% 34， net4。
815Equity to assets9.20%9.26%Book value per share$12.62$12.08Closing market price per share $26.57$27.46Full time equivalent employees 1，697 494 6.04% 34。
2007 compared to the same quarter last year. This increase resulted primarily from a gain on the sale of investments of $5.0 million which was partially offset by a non-cash impairment charge on Freddie Mac preferred stock of $1.9 million. The remainder of the increase was primarily attributed to an increase in service charges and fees of approximately $1.6 million， for the periods presented. Average balances are calculated using daily averages.Three Months Ended December 31，672 102，120 17，764 5.88% 876，792Net income$15， respectively。
876 Loss on early extinguishment of debt- 3，295 Retained earnings458。
217 78，126 Shareholders'' equity 604。
083 2.68% Net interest earning assets/ Net interest margin 557，450， Inc. can be accessed on-line at
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