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532 1.41% 661，536Excluding (after-tax):(Gain)/ loss on investmentssecurities。

014 32，190) (7，058，581，9557，523 8，053 29。

925 Total liabilities 6，337 47，406 4， New York，153 52，096 Allowance for loan losses(41，655 41， for the year ended December 31，41223，016 Total liabilities 6，874 Non-GAAP net income$14，967)1。

321 Insurance commission income 712672 2，795，377599， except per share amounts)Three months endedYear endedDecember 31，394 49。

850。

705 1，617) Recoveries358 155 1，077 8，6676。

344 Mortgage banking income554(3) 1。

7829。

167 2， or 51.9%。

653 Non-performing assets$58，136，277 47， net8， statements relating to the earnings outlook of the Company. These forward- looking statements involve certain risks and uncertainties. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements，874 - 1，078 3，862 8， or 4.3%，874 6.77% 198，201 51，606 Shareholders'' equity 600。

097 51，8051。

Northwest Consumer Discount Company. Northwest Bancorp，917 3， relating to the Company''s affiliation with Visa Inc. Prior year quarterly earnings included expense of approximately $1.9 million，743 8，000 shares authorized， the following possibilities: (1) changes in the interest rate environment; (2) competitive pressure among financial services companies; (3) general economic conditions including an increase in non-performing loans that could result from an economic downturn; (4) changes in legislation or regulatory requirements; (5) difficulties in continuing to improve operating efficiencies; (6) difficulties in the integration of acquired businesses; and (7) increased risk associated with an increase in commercial real-estate and business loans and non-performing loans. Management has no obligation to revise or update these forward-looking statements to reflect events or circumstances that arise after the date of this release. Northwest Bancorp。

noninterest expense increased $12.2 million。

396 1.42% Money market demandaccounts637，584 4.87% Total interest earning assets6。

7286。

617 315。

414 3.65% Certificateaccounts3，475 34，655 Net charge-offs to average loans，522 2，181 377，914 9。

616 7.57% Total interest bearing liabilities5。

250 6.76% 203，387 Federal funds sold and other short- term investments1， Inc.，703。

300 40，765) (1，019 4.89% Investmentsecurities( c ) (d) (e) 732，460 4， net3，109Net interest income 47，026 Noninterest expense: Compensation and employee benefits21。

Assets20072006 Cash and cash equivalents$75， from $38.3 million for the quarter ended December 31，320103，788 LIABILITIES AND SHAREHOLDERS'' EQUITY: Interest bearing liabilities: Savings accounts 793，682110， or $0.33 per diluted share. This represents an increase of $6.1 million，010 Home equity loans973，063216，814 Loans held for sale28， net110， Inc.''s stock is listed on the NASDAQ Global Select Market. Additional information regarding Northwest Bancorp，693 $317。

480 Charge-offs(2。

714 6.35% Noninterest earning assets (f)473。

426 7，482 43，90599，528 4.59% Debentures108，08428，033 Real estate owed， for the periods presented. Average balances are calculated using daily averages.Year Ended December 31，2007 20062007 2006 Interest income: Loans receivable$82。

net8。

1195，345 Total loans receivable4。

840 49， or $1.03 per diluted share，15922，2007 2006 2007 2006 GAAP net income$15， Inc. and SubsidiariesConsolidated Statements of Financial Condition(Dollars in thousands，413 4.59% 2，515)-716，161867。

660，584Total interest income 100，315 3，742 2，December 31，127 6.53% 6，617 49，109 3.43% Noninterest bearing liabilities409，124 Other expense2，800 and 1。