Benson was featured on VH1's highest rated show, "The Fabulous Life ," and
is a regular guest on "The Howard Stern Show."

On behalf of the company,

/s/Robert Klein
Robert Klein

Safe Harbor Statement under the Private Securities Litigation Reform Act of
1995: The statements contained herein which are not historical fact are
forward-looking statements that are subject to risks and uncertainties that
could cause actual results to differ materially from those expressed in the
forward-looking statements, including, but not limited to, certain delays
in testing and evaluation of products and other risks detailed from time to
time in Golden Spirit Mining's filings with the Securities & Exchange
Commission.
(Logo: http://www.90 per diluted share, compared to $46.0 million,
or $. The linked
quarter increase is primarily attributable to a 5.
The Corporation will host a conference call on Friday, October 21, 2005 at
11:00 a . Replays of the call will be available until October 29, 2005 by calling
1-800-332-6854 and using the above entry code, 3044.7 billion.B.1
Total non-interest
income 18,791 18,330 18,791 2.6 5.0
Diluted $0.0
Net income $50,537 $45,983 9.99 -8.55% 25.3 31.9
Loans , net of unearned
income 3,754,861 3,746,569 3,219,735 0.19% 8.54 %

F.0
Residential mortgages 507,548 503,209 439,543 0.0 16.5 18 .2 25.5
Lease financing 2,144 2,994 5,865 -28.4
Residential mortgages 500,340 458,472 9. Additionally, like many other retail and restaurant establishments
as of late, the company is in the process of evaluating the potential
impact of certain changes to its lease accounting practices. The company will
release its first quarter 2005 revenue results on April 6, 2005 and
its first quarter 2005 earnings results on April 27, 2005. Pei Wei
Asian Diner offers a modest menu of freshly prepared Asian cuisine in
a relaxed, warm environment offering attentive counter service and
takeout flexibility.7%
Interest (expense) income and other
income 0. Chang's China Bistro

Supplemental Sales Information

Year of Unit Opening (1)

Pre-1998 1998 1999 2000 2001

Units 13 10 13 16 13

Sales (000)

1Q04 21,212 15,241 18,758 23,801 19,194
2Q04 20,898 14,962 18,803 23,680 18,573
3Q04 20 ,591 15,185 19,036 23,974 18,258
4Q04 22,459 16,296 20,536 25,749 19,912
2004 85,159 61,683 77,133 97,203 75,936

Average Weekly Sales (AWS)

1Q04 125,514 117,235 110,996 114,427 113,573
2Q04 123,655 115 ,091 111,261 113,844 109,898
3Q04 121,838 116,805 112,637 115,260 108,037
4Q04 123,402 116,398 112,832 114,949 109,404
2004 123,598 116,382 111,949 114 ,626 110,212

Year-Over-Year Change in AWS (3)

1Q04 2 .F.0% - -0.5%
3Q04 6.4% -0.4% - - 1.4% 3.5% 4 .3 1.1 0.6 (5.5) 10.9

EPS $0.5% 5.2% 2.3 1.3 3.8
Partner
investment
expense 1.4 2.9% 0.3 1.5 1.2

EPS $2.4% 4.0% 0.40 $0.6% 3.1% 0.2 1.1 13.8% 4.1% 7.

er eftir

PRESS RELEASE Anna (the Gold Digger) Benson Endorses Golden Spirit

annabenson.

7% rise in service charges. This increase is principally attributable to the acquisitions completed
in the fourth quarter of 2004 and the first quarter of 2005.7 times non-
performing loans, equaling last quarter's measures. The
Corporation's leverage capital ratio was 7.44% based on yesterday's closing price of
$17. as a Dividend Achiever. Investor information is available on F.com.B.7 21.3
Insurance commissions
and fees 3 ,090 3,127 3,257 -1.32 $0.76% 73.
(2) The efficiency ratio is calculated by dividing non-interest expense
less amortization of intangibles by the sum of net interest income on
a fully taxable equivalent basis plus non-interest income.5
Gain on sale of loans 1,051 1,447 -27.98 -8.2

Performance ratios
Return on average equity 15.3
Securities 1,333,758 1,340 ,898 1,138,835 -0.5 17.61% 0.43%
Allowance for loan
losses / non-performing
loans 172.1 17.06% 5.68% 4.54%

F.B.6
Long -term debt 597,979 510,247 17.2
Trust preferred securities 128,866 128,866 0.6 22.7
Direct installment 889,539 795,394 11.8
Consumer LOC 263,070 241,122 9.9
Indirect installment 511,914 407,809 25.

(000 except per share data) 4Q04 3Q04 4Q03
--------- --------- ---------
Revenues $199,270 $174,013 $146 ,133
Net Income $10,684 $8,327 $6,867
Diluted Earnings Per Share $0.F. The
accuracy of these forward-looking statements may be affected by
certain risks and uncertainties, including, but not limited to, the
company's ability to operate its restaurants profitably; the company's
ability to hire, train and retain skilled management and other
personnel; changes in consumer tastes and trends, and national,
regional and local economic and weather conditions; changes in costs
related to food, utilities and labor; changes to existing accounting
rules or differing interpretations to our current accounting practices
and other risks described in the company 's recent SEC filings.
----------------------------------------------------------------------
Consolidated Statements of Income
(In thousands, except per share amounts)
(Preliminary and Unaudited)

14 Weeks 13 Weeks 13 Weeks
Ended Ended Ended
-----------------------------
Jan 2 Sep 26 Dec 28
2005 2004 2003
---------------------------- -
Revenues $199,270 $174,013 $146,133
Cost of sales 57,157 48,854 41,872
Labor 64,235 56,224 46,819
Partner bonus 508 456 377
Operating 28,430 24,769 20,109
Occupancy 11,188 9,944 7,812
----------------------- ------
Restaurant operating profit 37,752 33,766 29,144
General + administrative 8,785 8,910 7,744
Depreciation + amortization 7,117 6,526 5,386
Preopening expenses 2,181 2,016 2,867
Partner investment expense 1,615 1,675 906
-----------------------------
Income from operations 18,054 14,639 12,241
Interest (expense) income and other
income 374 91 76
Minority interests (2,831) (2,574) (1,965)
-----------------------------
Income before provision for income taxes 15,597 12,156 10,352
Provision for income taxes (4,913) (3 ,829) (3,485)
-----------------------------
Net income $10,684 $8,327 $6,867
=============================
Basic net income per share $0.1% 5.05
Diluted net income per share $1.0% 100.1%
Operating 14 .4% 3.3% 0.1% -0.0%
4Q04 7.3% 1.3%


Year-Over -Year Change in AWS

2002 2003 2004 Total
-------------------------
Units 14 18 18 115

4Q04 5.7% - 5.1% 0.2 - 38.2 1.7 5.9% 16.2%
------------------------------------------------------
Income before
tax provision 12.2 1 .0
Depreciation +
amortization 6.0) (5.2% 15.0% 0.2 27.5%
------------------------------------------------
Net income 8.0% 1 ,897 2,281 20.3 1.4% 0.8%
============= =============


P.6% 3.0% 0.0 821.9
Other income (0.

mfs fj

"

Benson states, "I am very excited about my affiliation with Golden Spirit
and look forward to building the brand with the Company.32 per diluted share.newscom. Average deposits
declined slightly in the quarter in response to customers' preference for
higher rates in the marketplace.
Other income was down 53% versus the same period last year due to the reduced
income associated with Sun ., a $68 million financial services company that operates four
banking and lending offices in Erie County, PA. This dividend yield places F.com.B.5
Net interest income 47,363 47,878 42,067 -1.8 14.3 -53.2 0.2

Performance ratios
Return on average
equity 15.96% 5.0
Book value per common
share $8.1
Interest expense 78,380 61,702 27.1
Income taxes 21,131 20,915 1.60%

(1) Return on tangible equity is calculated by dividing net income less
amortization of intangibles by average equity less average
intangibles.5 383.0 87.1
Non-performing assets $35,033 $36 ,817 $30,744 -4.43%

Balances at period end
Total assets $5,703,659 $5,701,883 $4,733,542 0.1
Non-performing assets $35,033 $30,744 14.78% 0.9
Direct installment 890,003 887,185 797,095 0.5
Indirect installment 505,425 490,073 416,411 3.0 -33.5 11.F.3% 32.0%
Partner investment expense 0.1%
Provision for income taxes -2.3%
Labor 32.8%
----------------------------
Income from operations 9.2% 0.6%
Interest income and other income 0.2% 4.1% 0.5% -5.1% -0.3%
3Q04 3.7% - 3.5 1.04 $(0.13) $0.6%
Preopening
expenses 0.3 1.8 11.8
---------------------------------------------------------
Net income
(loss) 13.2% 15.8% 5.5 - 9.1 (7.2) 20.2 27.0%

Restaurant
operating
profit 19.9% 16.2% 0.5% 32.2%
Average weekly
sales (000) 93.6 31.5 38.3 2.35

Revenues 100.F.0 -4.6 82.6 37.9 10.1) (0.1)
Minority
interest 2.5% 1.4% 1.5% 31.5 158.0 41.8 20.30 $1.8% 5.

sum um

Ms. These results compare to $17. In the same period 2004, the
Corporation's net income included a $2. As we have indicated before, Pittsburgh is our
primary focus for market expansion. at the top of its peer
group of similarly sized bank holding companies across the U. A transcript of the
conference call will also be available on the Corporation's web site,
http://www.N.

Mergent Inc. The Corporation has consistently increased
dividend payments for 33 consecutive years. Corporation and the reports F.5
Income taxes 6,622 7,762 6,690 -14.79% 73.4
Securities commissions and fees 3,519 3,601 -2.22% 1.B.6 16.5 16.0
Non-performing loans 29,126 30,307 26,237 -3.3 16.6 80. 2, 2005 compared to $6. The company had an additional week in
fiscal 2004 (a 53-week year versus the typical 52-week year) which is
included in the fourth quarter earnings amounts noted above. Chang's China Bistro Inc.41 $0.31 $0.1% 28 .9%
General + administrative 4.7%
Preopening expenses 1.4% 4.0% 100.6% 5.6%
Preopening expenses 1.5%
-------------------
Income before provision for income taxes 5.2%
------------------ ----------
Restaurant operating profit 18.9% 4.3% 2.7% - - 4.5%
3Q04 6.5% - 1.8% 6.1% 4.7%
2004 5.8% 12.0 0.9
Partner
investment
expense 0.1) (0.9 26.0%100.5% 19.6% 1.1% 1.3 41.9 1.5 1.9%
Depreciation +
amortization 3.6%
Preopening
expenses 1.0% 0.
---------------------------------------------------------- ------------
2005 Forecast (a)

2005E
------------------------------------------------------
Shared
------------------------- -----------------------------
Bistro Pei Svcs Total
Wei
------------------------------ ------------------------

Store weeks 6,339 3,341 9,680
Average weekly
sales (000) 108.7 - 5.1% 19.4% 7.4 14.0
Tax provision 3.2 5.8 54.4%
General +
administrative 4.1% 4.5% 3.
----------------------------------------------------------------------
2005 Forecast vs 2004 Actual

3Q04 3Q05E Change 4Q04 4Q05E Change
------------------------------------------------------

Store weeks 1,979 2,496 26.1% 4.7% 5.0% 100.1%
==================================

finna lesa

2 million visitors over
the last 2 weeks to her website , making her the most downloaded woman on
the Internet for the month of January. Her love for the game of poker and natural marketing
abilities make her a perfect affiliate to Golden Spirit. The Corporation continues to maintain
"well capitalized" ratios for federal bank regulatory purposes .N.
Corporation files with the Securities and Exchange Commission often contain
"forward-looking statements" relating to present or future trends or factors
affecting the banking industry and specifically the financial operations,
markets and products of F.B.2 3.8
Total non-interest
expense 37,998 38,219 35,902 -0.1

Earnings per share
Basic $0.39% 23.2
Average diluted shares
outstanding 57,100,376 57,002,404 47,353,352 0.4 21.91%
Return on average assets 1.6
Earning assets 5,082,328 5,050,784 4,369,650 0.1

Asset quality data
Non-accrual loans $24,017 $24,760 $20,496 -3.65%
Allowance for loan
losses / total loans 1.34% 1.0 20.2
Trust preferred
securities 128,866 128,866 128,866 0.9

Non-performing loans / total loans 0.68% 4.3 11.9 15.6
Other 4,769 5,018 7 ,173 -5.8
Total deposits 3,934,168 3,962,269 3,401,124 -0.7
Direct installment 889,539 893,677 795,394 -0.7 16.4 8.4
Total deposits and repurchase
agreements $4,099,796 $3,558,619 15.40 from $0.7%
Labor 32.3% 0.9% 19.1% 0.3%
-----------------------------
Income before provision for income taxes 7 .8%
-------------------
Income from operations 6.F.5% 3.7%
==================
Provision for income taxes -2. 2, 2005
-----------------------------

Total Bistro Pei Wei
-------------------- ---------
Revenues $706,941 $611,468 $95,473
Cost of sales 200,736 173,128 27,608
Labor 231,575 199,722 31,853
Partner bonus 1,750 1,630 120
Operating 99,528 85,073 14,455
Occupancy 39,801 33,592 6,209
--------- --------------------
Restaurant operating profit 133,551 118,323 15,228
General + administrative 34,738 28,595 6,143
Depreciation + amortization 25,658 21,804 3,854
Preopening expenses 7,847 5,774 2,073
Partner investment expense 17,671 15,075 2,596
-----------------------------
Income from operations 47,637 47,075 562
Interest income and other income 612 612 --
Minority interests (10,078) (9,177) (901)
-----------------------------
Income before provision for income taxes 38,171 38,510 (339)
===================
Provision for income taxes (11,218)
---------
Net income $26,953
=========
Basic net income per share $1.9% 19.2%
Partner investment expense 2.5% 2.1% 0.5% -0.1% 0.9%
4Q04 7.9% - 1.9% 10.6% - 4.4

Revenues
(millions) 161.3 0.0 0.5 0.1) - - (0.5
-------------------------- ---------------------------

FD shares 26.2% 8.6 35.1) (0.1 27.6% 19.6% 4.0% 0.3% 3.3% 5.1) 62.9) 42.8% 5 .0% 3.9% 2.2 87.4 86.1 191.3 10.9 4.8%
--------------------------- ---------------------------

FD shares 26.4 26.1 - - -
------------- -------------
Net income
(loss) after
special
charges (0.1% 1.4%
Average weekly
sales (000) 97.3 62.2%
----------------------------------
Income before
tax provision 7.5% 32.

studenta lesa

Golden Spirit Gaming Ltd.

Benson outlasted more than half the field of experienced poker players
after only thirty days of practicing her new favorite card game, Texas
Hold'em. "We attribute these
results primarily to continued loan growth, increases in fee income, and
reduced non-interest expenses over last quarter.0% over the third quarter of 2004 .5% from last quarter and equal to the same period last year. Corporation, headquartered in Hermitage , PA, has total assets of
$5.N.N.3
Gain on sale of loans 442 295 365 49.4 59.23%
Net interest margin
(FTE) 3.56% 57. CORPORATION
(Unaudited)
(Dollars in thousands, except per share data)
For the Nine Months
Ended September 30, Percent
Statement of earnings 2005 2004 Variance
Interest income - taxable equivalent
basis $222,080 $189,222 17.0
Book value per common share $8.55 -0.9 11.8 15.2
Short-term borrowings 346,350 318,413 211,737 8.6
Loans, net of unearned income 3,653,881 3,241,571 12.2
Short-term borrowings 346 ,350 211,737 63.01% 6.8
Consumer LOC 263,070 259,993 241 ,122 1.4 -63.5
Lease financing 2,144 5,865 -63.26
Shares Used in EPS calculation 26,786 26,589 26,402

2005 Expectations

The company anticipates opening 18 new Bistro units and 26 new Pei
Wei units in 2005.7% 28.7% 5.F.8% 32.9% 19.8%
Preopening expenses 1.1% 9.5%
---------
Net income 5 .8% 32.3% 0.F.1% 4.7%

Year-Over-Year Change Comp Store Sales (2) (3)

Units 13 10 13 16 13

1Q04 2.

Pei Wei Asian Diner

Supplemental Sales Information

Year of Unit Opening (1)

2000 2001 2002 2003 2004 Total
------------------------------------------

Units 1 4 11 17 20 53

Sales (000)

1Q04 873 2,297 5,918 8,935 1,234 19,257
2Q04 864 2,203 5,750 8,758 4,816 22,391
3Q04 834 2,094 5,583 8,853 6,886 24,249
4Q04 945 2,332 6,151 9,486 10,661 29,575
2004 3,517 8,926 23,402 36,031 23 ,597 95,473

Average Weekly Sales (AWS)

1Q04 67,145 44,170 41,385 40,427 41,147 41,954
2Q04 66,490 42,368 40,210 39,628 43,388 41,466
3Q04 64,145 40,263 39,042 40,059 40,985 40,618
4Q04 67,526 41,649 39,943 39,857 41,002 40,963
2004 66,349 42,104 40,141 39,990 41,470 41,188

Year-Over-Year Change in AWS (3)

1Q04 1.6%
2004 4.9% 1.4% 4 .2% 3.7% - -3.5 5.1 6.0 0.8 26.3% 0.1% 1.5 82.4 - 40.1 1 .0 1.0%

Restaurant
operating
profit 20.9% 3.5% 4.0 41.6
Depreciation +
amortization 23.5 29.6% 5.7 8.9 6.5 - - -
Prior year
partner
investment
expense (net
of tax) 7.2%
Depreciation +
amortization 3.5%
Partner
investment
expense 1.3% 7.0
Depreciation +
amortization 6.8 4.6% 3 .6% 1.55 19.

1887 uppl

(OTC BB: GSGL)
announces that the company has signed a multi -year agreement with Anna
Benson, a World Series of Poker (WSOP) sponsored participant in 2005, to
promote, market, and play on the Company's www.B.1 million,
or $. The Corporation's return on
equity for the third quarter of 2005 was 15.5%, its return on tangible equity
was 29.N. In the first nine
months of 2005, the Corporation recorded merger related costs totaling $656
thousand after-tax, or $. (NSD) in Pittsburgh.10 per diluted share through the end of the
third quarter of 2004. This increase is
attributable to competitive pricing pressures and disintermediation in the
deposit base related to rising short term interest rates.87%, a decrease of 10
basis points from same period last year.9% over the same
period last year, excluding the branch sale gain and Sun-related income
recorded in 2004. The efficiency ratio was 55.
The provision for loan losses was $3.
Shareholders' equity at September 30, 2005 was $467 million.N.'s
website at http://www . Corporation.

F.0

Interest income $75,918 $74,213 $63,950 2 .1

Service charges 10,528 9,960 8,676 5.1
Securities commissions
and fees 1,020 1,095 1,069 -6.8

Income before income
taxes 24,708 25,303 21,386 -2.2 3.88%
Cost of funds 2.27%
Efficiency ratio (FTE)
(2) 55.40% 2.7
Tangible book value per common share $4.7 -3.6
Goodwill and
intangibles 209,983 214,615 46,839 -2.4
Earning assets 4,961 ,961 4,290,953 15.8
Long-term debt 566,242 499,115 13.6
Goodwill and intangibles 209,983 46,839 348.5
Other 3,163 6,049 2,719 -47.6

Deposits:
Non-interest bearing
deposits $662,844 $672,549 $612,347 -1.0 32.8
Total loans $3,653,881 $3,241,571 12. P.40 $0.3%
Operating 14.7% 8.0% 100.6% 5.2% 2.3% 0.7% -2.5% - -4.8% -2.3%
2004 2.9% 9.F. F.8 31.7 3.4 2.7 3.9 15.1
--------- ------------------------------------------------

FD shares 27.0%100.0% 100.4% 20.5% 32.6% 89.4 1.4 12.

er singar

goldenspiritpoker4fun.net
website. Benson is married to famous baseball
player Kris Benson.8% and its return on assets was 1.3% in the third
quarter 2005 compared to the previous quarter and 19.0 million,
compared to $38.7 million in the prior quarter . Non-performing assets as a percent of
total assets showed similar improvement.B. These
factors include, but are not limited to: (1) a significant increase in
competitive pressures among depository institutions; (2) changes in the
interest rate environment that may reduce interest margins; (3) changes in
prepayment speeds, loan sale volumes, charge-offs and loan loss provisions;
(4) less favorable than expected general economic conditions; (5) legislative
or regulatory changes that may adversely affect the businesses in which F.32 3.87% 3.6
Ending shares
outstanding 56,520,245 56,293,407 46,696,666 0.49%

Common stock data
Average basic shares outstanding 55,260,092 46,326,420 19.55 $4.9

Non-performing loans /
total loans 0.90%
Net loan charge-offs (annualized) /
average loans 0.0

Capital ratios
Equity/assets (period end) 8.6 20.2 38.5 16.1
Consumer LOC 257,404 233,140 10.6
Savings and NOW 1,663,577 1,464,587 13.

Business Editors

SCOTTSDALE, Ariz. The 2005 expectations exclude the impact
of expensing stock options beginning in the third quarter of 2005, as
the company is still in the process of evaluating what the impact will
be.32 $0.3% 0.6% 5.1% 1.1%
Minority interests -1.1% 13.
------------------------------------------------------------------ ----
Supplemental Financial Information
(In thousands, except per share amounts)
(Preliminary and Unaudited)

14 Weeks Ended
Jan .7% 28.4%
Depreciation + amortization 3. Chang's China Bistro Inc.9% 2.7 % 7.4%
4Q04 2.2% 5.9% - 0.2%
2Q04 5 .8% -23.7% - 1.4% 11.6 1.35

Revenues 100.3% 0.7% 1.1% 0.6% 7 .2 5.2 7.2 0.F.0 41.2 27.5% 32.32 $0.0%100.9% 5.1% -0.6% 5.0% 4.8 %
Average weekly
sales (000) 87.8 27.36 16.0% 100.2% 0.6 29.

eftir mfs

5 million, or $.8 million of after-tax non-interest income from Sun Bancorp
Inc.0% over the same period
last year.0%, annualized, on a linked quarter
basis and 16. Non-interest income has remained level at 28% of total
revenue for the first nine months of 2005. Non-
performing loans to total loans were 78 basis points for the third quarter of
2005, improving from the 81 basis points in both the third quarter last year
and on a sequential quarter basis.0% and the tangible capital ratio
was 4.S. Interested parties
may access the conference call by dialing 1-800-346-7359 with the entry code
3044.N.

This press release of F.B.7
Interest expense 28,555 26,335 21,883 8.0

Salaries and employee
benefits 19,335 19,735 18,117 -2.7
Tangible book value per
common share $4.4 -0.B.4
Gain on sale of branches 0 4,135 n/m
Other 4,422 7,678 -42.24%
Return on tangible equity (1) 29.89%
Cost of funds 2.6

Deposits and repurchase
agreements 4,113,936 4,136,397 3,530,894 -0.4
Trust preferred securities 128,866 128,866 0.81%
Non-performing assets / total assets 0.9
Loans, net of unearned income 3,754,861 3,219,735 16.1
Certificates of deposit and other
time deposits 1,612,643 1,316,509 22. Earnings per share
for the fourth quarter increased to $0.
Currently, the company believes that any changes that may result from
a change in lease accounting will not have a material impact on the
company's current or previously reported net income or net cash flows. owns and operates two restaurant
concepts in the Asian niche.4% 19.6% 3.2% 2.1% 8. 2, 2005
----------------------------

Total Bistro Pei Wei
--------- -------------------
Revenues $199,270 $169,695 $29,575
Cost of sales 57,157 48,660 8,497
Labor 64,235 54,285 9,950
Partner bonus 508 472 36
Operating 28,430 23,984 4,446
Occupancy 11,188 9,359 1,829
----------------------------
Restaurant operating profit 37,752 32,935 4,817
General + administrative 8,785 7,192 1,593
Depreciation + amortization 7,117 5,979 1,138
Preopening expenses 2,181 1 ,715 466
Partner investment expense 1,615 1,375 240
----------------------------
Income from operations 18,054 16,674 1,380
Interest (expense) income and other
income 374 374 --
Minority interests (2,831 ) (2,535) (296)
----------------------------
Income before provision for income taxes 15,597 14,513 1,084
==================
Provision for income taxes (4,913)
---------
Net income $10,684
=========
Basic net income per share $0.0%
Occupancy 5.1% 1.01
Shares used in calculation of basic EPS 25,727
Shares used in calculation of diluted EPS 26,575

Percentage of Revenues
----- ------------------------

Total Bistro Pei
Wei
-----------------------------
Revenues 100.4% -1.9%
-----------------------------
Income before provision for income taxes 5.6%
---------
Net income 3.4% 3.2% 2.3% 2.5% -7.0%

Year-Over -Year Change Comp Store Sales (2) (3)

Units 14 7 - 86

1Q04 6.
(2) A unit becomes comparable in the eighteenth month of operation .6% 3.5% 6.2% 3.1% 4. Chang's China Bistro Inc.2 87.9 86.2 0.48 $0.1% 0.5% 32.6 36.7 0.7
Other income - - (0.7
--- ------------------------------------------------------
Income (loss)
before tax
provision 20.4 (5.1 27.14) $0.1% 5.7% 1.0% 0.0 - 9.4 3.2 (14.55) $1.6%
Tax provision 32.3 2.0 0.1) (0.1) 0.8 26 .1% $0.32 $0.6 15.9 5.8
------------------------------------- -----------------
Net income 8.0% $0.45

Revenues 100.0%100.1% 5.9% 0.6
General +
administrative 34.5) (0.1 9.7%

Legal
settlement
(net of tax) 0.0%

Restaurant
operating
profit 18.9% 19.7%
Other income -0.6%
Tax provision 31.

eftir royskt

N. The Corporation's net
interest margin in the first nine months of 2005 was 3.28 per share. F.N. There are a number of important
factors that could cause F.N.
Corporation files with the Securities and Exchange Commission.6
Provision for loan
losses 3,448 2,686 3,570 28.6
Trust income 1,752 1,756 1,693 -0.5 -8.4 3.1 2.3 21.3
Gain (loss) on sale of securities 1,602 1,437 11.01% 30.91% 69.0 0.1 8.55% 165.90%
Net loan charge-offs
(annualized) /
average loans 0.6

Asset quality data
Non-accrual loans $24,017 $20,496 17.1 21.6
Savings and NOW 1,661,443 1,695,124 1,468,351 -2.5
Total deposits and
repurchase
agreements $4,113,936 $4,136,397 $3,530,894 -0.2
Savings and NOW 1,646,733 1,683,657 1,495,621 -2.0% 100.4%
Partner bonus 0.4%
Interest income and other income 0.1% 0.7% 28.3% 0.0%
Minority interests -1.4%
=========

Certain percentage amounts do not sum to total due to rounding.8%
=========

Certain percentage amounts do not sum to total due to rounding.1% 2.1% 2.0% 6.3% 13.F.0 19.8 26.8% 5.9% 5.0% 0.1% 7.5% 5.4 (0.6% 0.0%
Minority
interest 1.5% 32.0 22.4) (0.0 9.1
Preopening
expenses 2.0 209.1 8.9 1.1 26.40 $0.8%

Legal
settlement
(net of tax) - - - -
Prior year
partner
investment
expense (net
of tax) - - - -
----------------- -------------
Net income
(loss) after
special
charges - - - -
================= =============

EPS (after
special
charges) $0.8%
Partner
investment
expense 1.8%
Other income -0.4%
================= =============


P. Chang's China Bistro Inc.0%
Minority
interest 1.

uppl singar

Benson's site
is available at www.26%., who will manage the Florida offices for the
Company . This strategy will complement our strong desire for quality
commercial loans, as well as provide valuable fee income from the mortgage
origination business.
Non-interest expense for the third quarter of 2005 totaled $38.0 million for the same period last
year.B.
On October 19, 2005 the Board of Directors voted to increase the normal
quarterly cash dividend on its common stock to 23.88%
Yield on earning assets
(FTE) 6.00% 5.14%

(1) Return on tangible equity is calculated by dividing net income less
amortization of intangibles by average equity less average
intangibles.N.4

Interest income $219,531 $187,442 17.9

Earnings per share
Basic $0.87% 3.2
Dividend payout ratio 76.0

Net loan charge-offs $3,387 $5,187 $3,518 -34. CORPORATION
(Unaudited)
(Dollars in thousands) For the Nine Months
Ended September 30, Percent
Average balances 2005 2004 Variance
Total assets $5,532,847 $4,674 ,151 18.6
Goodwill and intangibles 193,444 40,097 382.61% 0.55% 175.7
Securities 1,333,477 1,140,431 16. CORPORATION
(Unaudited) 3rd Qtr 3rd Qtr
(Dollars in Thousands) 2005- 2005-
2nd Qtr 3rd Qtr
2005 2004 2005 2004
Third Second Third Percent Percent
Average Balances Quarter Quarter Quarter Variance Variance
Loans:
Commercial $1,573,478 $1,561,741 $1,323,215 0.5
Customer repurchase
agreements 177,576 172,427 134,143 3.4
Total deposits and
repurchase
agreements $4,099,796 $4,131,747 $3,558,619 -0.6
Certificates of deposit and other
time deposits 1,548,604 1,315,743 17.55 .3%
Depreciation + amortization 3.4% 8.3%
Depreciation + amortization 3.1% 1.6% -2.0% 100.4% -1.0%
Cost of sales 28.5% 6.0% 3.


P.6%
4Q04 3.3% 4.2% 1.2%

Year-Over-Year Change Comp Store Sales

Units 13 10 13 16 13

4Q04 11.3 10.2
Depreciation +
amortization 5.7 1.2% 5.5% 32.F. Chang's China Bistro Inc.0) (1.45

Revenues 100.3%
General +
administrative 1.8%
Other income 0.1% 1.2%
---------------------------------------------------------
Income before
tax provision 11.0% 12.0%
Tax provision 32.9% 0.2 1.4)
Minority
interest 8.6
Tax provision 26.1%
Partner
investment
expense 0.0% 1.1%
================================================

(a) Excludes impact of expensing stock options beginning in the
third quarter of 2005 and excludes potential lease accounting changes


P.2 7.9
Partner
investment
expense 2.4 2.6% 19.3% 5.7
-------------------------- ----------------------------
Income before
tax provision 12.4
Partner
investment
expense 6.1 -
------------------------------- ---
Net income
(loss) after
special
charges (0.5%
----------------------------------
Net income 4.

v monde

annabenson .5 million, or $.
The remaining fee income items were relatively flat quarter-over-quarter.5% realized in the same period last year., First National Insurance Agency, LLC, and
Regency Finance Company .3 18.31 3.1
Other 34,327 31,129 10.
(2) The efficiency ratio is calculated by dividing non-interest expense
less amortization of intangibles by the sum of net interest
income on a fully taxable equivalent basis plus non-interest
income.

F.0 16.0
Allowance for loan
losses 50,921 52,953 46,960 -3.0
Shareholders' equity 467,028 459 ,819 259,529 1.0
Shareholders' equity 434,539 243,349 78 .7
Allowance for loan losses 50,258 46,151 8.45% 0.2

26 in the fourth
quarter of the prior year. Based on this development schedule, and modest
revenue growth from existing stores of 1 to 2%, the company expects
consolidated revenues of $822 million , net income of $42 million and
earnings per share of $1.F.8%
Occupancy 5.5% -2.3%
Operating 14.5% 0.0 %
Cost of sales 28.7% 0.9%
2004 1.2% -2.1 % - 3.4% - -4.3% 1.2% -0.3%
2004 4.6 33.3 1.6) 9 .8 26.9 26.9 26.7% 0.8%
======================================================

P.4% 19.6% 1.3% 2.9

Revenues
(millions) 684.55

Revenues 100.3%
General +
administrative 1.1 -6.1 (0.6
-------------------------------- ----------------------
Net income 7.5% 0.1% -0.6 7.8 2.9 16.8
------------------------------------------------
Income before
tax provision 50.

mfs fj

"While the third quarter's loan growth rate, absent acquisitions, is
typical in our corner of the world," noted Gurgovits, "we are looking forward
to capitalizing on future growth opportunities in our new Pittsburgh markets
under the leadership of Vince Delie , who recently joined F.7% over the same period last year primarily due to increased
earning assets and interest bearing liabilities as a result of the
acquisitions completed in late 2004 and early 2005.
Annualized net charge-offs for the third quarter of 2005 were 36 basis
points of average loans, better than the 56 basis points for the second
quarter of 2005 and 43 basis points for the third quarter of 2004.
On October 7, 2005 F.N.49%

Common stock data
Average basic shares
outstanding 56,426,087 56,275,414 46,537,841 0.0
Net interest income 141,151 125,740 12.3
Trust income 5,413 5,242 3.3
Trust preferred
securities 128,866 128,866 128,866 0.0
Other real estate owned 5,907 4,507 31.5
Earning assets 5,094,183 4,365,397 16.0 13.9 14 .----P. ET in
which management will provide further details on the fourth quarter
results as well as an outlook for fiscal 2005. A webcast of the call
can be accessed through the company's Web site at
http://www.2% -2.4% 28.6%
Partner investment expense 2 .0% 100.5%
-----------------------------
Restaurant operating profit 18.6%
3Q04 1.
(2) A unit becomes comparable in the eighteenth month of operation.2% -5.9% - -2.0% - 2.7% -2.2% 1.

Reconciliation of fiscal 2003 52-week year to fiscal 2004 53-week year

Bistro

Year -Over-Year Change in AWS

Pre-
1998 1998 1999 2000 2001
-----------------------------
Units 13 10 13 16 13

4Q04 3.6% 12.6%

Year -Over-Year Change Comp Store Sales

Units 14 7 - 86

4Q04 11. Management believes that the
presentation on the previous pages of the year-over-year changes in
average weekly sales and comp store sales for the 4th quarter of 2004
and the entire year 2004 excluding the 53rd week in the 4th quarter of
2004 is a more meaningful and useful gauge of the company's
performance because it makes consistent the length of the periods on
which the comparison is based.1
Preopening
expenses 1.4 2.6% 3.2% 0.0 108.8 5.7 10.6 6.5 1.1) - - (0.1) (0.8) 14.0
Tax provision 6.9) 12.2 27.6 7.4
Partner
investment
expense 4 .3
------------------------------------------------

FD shares 27.9% 2.9

EPS $0.2% 0.31 $0.0%

Restaurant
operating
profit 19.9%
Depreciation +
amortization 3.
---------------------------- ------------------------------------------
2005 Forecast vs 2004 Actual

2004 2005E Change
---------------- --------------------------------

Store weeks 5,748 9,680 68 .

millum lesa

com. She has had 1.

F.N.B. Corporation Reports Third Quarter 2005 Results

"
Year-to-date through September 30, 2005 the Corporation recorded net
income of $50.N. Corporation has increased its
dividend .

About F.B.3 19.4
Gain (loss) on sale of
securities 431 564 470 -23.68%
Return on tangible
equity (1) 29.3
Provision for loan losses 8,465 11,812 -28.5
Short-term borrowings 311,896 288,477 219,532 8.81%
Non-performing assets /
total assets 0.3

Deposits and repurchase
agreements 4,099,796 4,131,747 3,558,619 -0.81% 6.43%
Allowance for loan losses /
non-performing loans 172.5


Balances at period end
Loans:
Commercial $1,586,839 $1,579,076 $1,336,979 0.0 15.1
Certificates of
deposit and other
time deposits 1,612,643 1,603,114 1,316,509 0.N.1
Indirect installment 476,307 423,682 12.1
Residential mortgages 498 ,192 429,846 15.pfchangs.

The statements contained in this press release that are not purely
historical, including the company's estimates of its revenues,
earnings and comparable sales, as well as statements concerning the
company's development schedule, are forward-looking statements .0%
Cost of sales 28.2% 13.0% 0.00
Diluted net income per share $1.97
Shares used in calculation of basic EPS 25,727 25,345
Shares used in calculation of diluted EPS 26,575 26,250

-------------------
Jan 2 Dec 28
2005 2003
-------------------
Revenues 100.

P.6%
Partner bonus 0.8% 8.6% 5.2% 4.9% 4.6% 3.8% 0.4%
2004 4.
(3) The 53rd week of fiscal 2004 has been excluded for comparative
purposes.4% 3 .7% - 0.1% -7.0% - 2.0%

Year-Over-Year Change Comp Store Sales

Units 1 4 11 8 - 24

4Q04 16.8% 11.4 (5.7) 5.01 $(0.2% 5.4% 4.1%
Minority
interest 1.4 0.2 8.8 7 .1 27.6% 3.8% 1.4% 8.0 2.1% 5.5 26.8 40.7 12.5%
------------------------------------------------------

FD shares 26.4% 4.1% 1.5% 32.2 5.2

EPS $1.5 -
Prior year
partner
investment
expense (net
of tax) 7.

finna rd

WPT Champion Tuan Le acquiesced that, "Anna has a natural
instinct for the game; I think she will develop into a great poker player.
Interest income, on a fully tax equivalent basis, was up 2. The yield on earning assets
also increased four basis points over the second quarter of 2005. Delie has spent nearly 20 years of his
career in Pittsburgh, and brings a wealth of local market knowledge and
business contacts to the bank.77%, a decrease of 10 basis points from the second quarter of
2005. Expense reductions from last quarter were realized as a
result of reduced personnel expense.5 million compared to $104.
Income tax expense was reduced $1.1 million on a linked quarter basis
primarily due to the successful resolution of an uncertain tax position in the
current period., a leading provider of business and financial information on
publicly traded companies, has recognized F. Corporation trades on the New York Stock
Exchange under the symbol FNB.36 $4.55 4.1
Loans, net of unearned
income 3,746,130 3,708,608 3,229,363 1.1 42.0 17.5
Earning assets 5,094,183 5,091,150 4,365,397 0.6
Long-term debt 597,979 598,590 510,247 -0.19% 5.6 10.B.4
Lease financing 3,128 10,935 -71.7
Total deposits 3,870,806 3,370,467 14.8
Customer repurchase agreements 176,112 125,080 40.3
Total loans $3,754,861 $3,219,735 16.
The company is hosting a conference call today at 12 p.4%
-------------------
Net income 3.7%
Labor 32 .4% 16.2% 5.8% 0.5% -1.7% 33.7% 6.7%
-----------------------------
Income from operations 6.7%
2Q04 1.1% 2.7%

(1) Includes all restaurants opened in the period indicated.0%

(1) Includes all restaurants opened in the period indicated.2% - -6.9% - -3.9% -0.3 % 2.8% -3.1) (0.3) 14.2 6.2 0.7) 4.2 (3.0% 100.2% 3.4 - 43.5 1.4 2.6 2.1 0.8% 1.5% 32.1 - 158.6
General +
administrative 12.5 0.4
------------------------------------------------
Net income
(loss) 55.2% 1.2
Depreciation +
amortization 5.2 2.0% 100.1%
Minority
interest 1.9 84.6 1.2 14.6 18 .3%
General +
administrative 5.F.8%

Revenues
(millions) 707 .6 27.

lj anna

31
per diluted share, for the second quarter of 2005 and $14. This
annual recognition is based on the Corporation's outstanding record of
increased dividend performance.B.N.B.0 6 .31 $0.2 20.56 1.3
Average diluted shares outstanding 55,981,612 47,155,413 18.13%
Tangible
equity/tangible assets
(period end) 4.13%
Tangible equity/tangible assets
(period end) 4.7

Deposits:
Non-interest bearing deposits $658,625 $590,137 11.5
Customer repurchase agreements 177,576 134,143 32.40 $0.26
Shares used in calculation of basic EPS 25,977 25,768 25,491
Shares used in calculation of diluted
EPS 26,786 26,589 26,402

Percentage of Revenues
-----------------------------
Jan 02 Sep 26 Dec 28
2005 2004 2003
------------ -----------------
Revenues 100.2% 32.3% 14.2% 0.

P.4%
Depreciation + amortization 3.0%
Minority interests -1.3% -0.9% -21.3% 1.1% - 2.
(2) A unit becomes comparable in the eighteenth month of operation.2% - 0.3 - 197.1

Restaurant
operating
profit 31.6 1.2 0.2 2.4
---------------------------------------- --------------
Income (loss)
before tax
provision 19.8 0.1% 1.4% 1.7 182.1
Preopening
expenses 2.3 0.3 0.8) 18.5% 0.7
Preopening
expenses 6.8
------------------------------------------------
Income (loss )
before tax
provision 81.08$(0.0% 100.1% 18.4% 1.4% 7.1%

Restaurant
operating
profit 33.2
General +
administrative 8.8
Partner
investment
expense 1.2% 1.0%
Tax provision 31.4)
Minority
interest 10.1%
Depreciation +
amortization 3.6% 3.

lesa fr

2 -5.5 0.5
Other 11,392 11 ,157 11,085 2.22% 29.25% 1.77% 3.2 48.

F.31%
Net interest margin (FTE) 3.0
Shareholders' equity 461,802 457,280 246,860 1.7
Allowance for loan losses 52,170 47,161 10.48%

Balances at period end
Total assets $5,703,659 $4,733,542 20.7
Customer repurchase
agreements 179,769 174,128 129,770 3.2 9.1
Residential mortgages 498,192 508,606 429,846 -2.5
Other 3,163 2,719 16.

P.F. Chang's Earns $0.40 Per Share

9
million in the fourth quarter of the prior year. Chang's China Bistro features a
blend of high-quality, traditional Chinese cuisine and American
hospitality in a sophisticated, contemporary bistro setting.4% -1 .8% 7.1% 15.8% 0.0%
------------------------ ----
Income before provision for income taxes 7.6% 3.4%
Partner bonus 0.1% 0.4% 6.7% 0.1% 5.2% 4.1% 5.3% 3.4%
2Q04 4.7% - 3.3%
2004 4.0%

(1) Includes all restaurants opened in the period indicated.7% 7.0 1.7
Other income - - (0.1)
Minority
interest 1.1 (1.6
---------------------------------------------------- --
Net income
(loss) 13.13) $0.0%

Restaurant
operating
profit 19.5% 17.9% 0.2% 1.2% 1.1)
Minority
interest 2.9) 4.1% 3.4 137 .9
Other income - - (0.6%
Preopening
expenses 0.
----------------------------------------------------------------------
2005 Forecast vs 2004 Actual

1Q04 1Q05E Change 2Q04 2Q05E Change
----------------------------------------------------- -

Store weeks 1,761 2,201 25.4%

Revenues
(millions) 164.7
Other income (0.0 10.5 11.4% 87.0 3.9 18.36 $0.40 $0.0% -0.5% 32.4% 5.2%

Restaurant
operating
profit 133 .5 42.3 22.6) -
==================================

EPS (after
special
charges) $1.55

Revenues 100.9% 5.

1872 fr

Her sharp wit and bold assertions made her a New York Post
Page 6 and Daily News favorite . Corporation
(NYSE: FNB), a diversified financial services company headquartered in western
Pennsylvania , today reported third quarter 2005 net income of $18.7 million, or $.B. as President
and CEO of the Pittsburgh Region.9 million for the
same period last year.5 cents per share. The dividend is payable on December 15, 2005 to shareholders of
record on December 1, 2005.B. is a leading provider of banking , wealth management,
insurance and consumer finance services in western Pennsylvania and eastern
Ohio , where it owns and operates First National Bank of Pennsylvania, First
National Trust Company, First National Investment Services Company, LLC,
F. CORPORATION
(Unaudited)

(Dollars in thousands, except per share data) 3rd Qtr 3rd Qtr
2005- 2005-
2nd Qtr 3rd Qtr
2005 2004 2005 2004
Third Second Third Percent Percent
Statement of earnings Quarter Quarter Quarter Variance Variance
Interest income -
taxable equivalent
basis $76,816 $75,084 $64,536 2.8 -4.3 15.3
Total non-interest expense 116,555 103,970 12.56% 0.01% 6.0

Net loan charge-offs $12,296 $11,746 4.48%
Leverage ratio 7.9
Indirect installment 511,914 496,174 407,809 3 . CORPORATION
(Unaudited)
(Dollars in thousands) For the Nine Months
Ended September 30, Percent
Average balances 2005 2004 Variance
Loans:
Commercial $1,543,580 $1,320,642 16.m.

P.7%
=============================

Certain percentage amounts do not sum to total due to rounding.

P.7%
-------------------
Restaurant operating profit 18.8% 4.41
Diluted net income per share $0.0% 33.5% 6.4% 4.8% 4.4% 28.1% 0.3% 3.9% - -1.5%
3Q04 3.9% -0.2% -14.3% 2.2% -0.3%

Year-Over-Year Change Comp Store Sales (2) (3)

Units 1 4 11 8 - 24

1Q04 1.4% 2.6% 14.2% 13.1% - 12.0
Tax provision 6.5 (1.40 $0.0% 19.1% 3.8% 1.9%
Other income 0 .4% 11.1%
Tax provision 32.5% 32.8% 4.9 5.6 (0.2 27.2

EPS $0 .0% 3.0% 7.5% 32.4 - 821.02 $0.0%
Minority
interest 1.1% 1.2%
------------------------------------------------
Income before
tax provision 11.6 197.2 3.4% 8.40 52.1%

Legal
settlement
(net of tax) 0.4% 1.5%
------------- -------------
Net income 4.7 20.3 223.8 43.1) (0.8 4.0%100.4% 19.4% 18.6%
Preopening
expenses 1.

fj singar

HERMITAGE, Pa. Corporation . At September 30, 2005
the allowance for loan losses was 1. Corporation:
F.

The common stock of F.B.
Corporation is engaged; (6) changes in the securities markets; or (7) risk
factors mentioned in the reports and registration statements F.1 23.31 $0.26% 1.53% 2.55 $4.2
Dividend payout ratio 71.13% 55. CORPORATION
(Unaudited) 3rd Qtr 3rd Qtr
(Dollars in Thousands) 2005- 2005-
2nd Qtr 3rd Qtr
2005 2004 2005 2004
Third Second Third Percent Percent
Average Balances Quarter Quarter Quarter Variance Variance

Total assets $5,684,747 $5,649,748 $4,753,309 0.6 19.6 6.34% 1.3

Deposits and repurchase agreements 4,099,796 3,558,619 15.3
Total loans $3,754,861 $3,746,569 $3,219,735 0.2 16.2

F.4
Other 4,102 12,353 -66.8

Balances at period end
Loans:
Commercial $1,586,839 $1,336,979 18.31 $0.
Any such changes that may be required as a result of these lease
related items have not been reflected in our reported 2004 numbers
included within this release or our 2005 forecast. Chang's China Bistro Inc.27
Diluted net income per share $0.8% 1.0% 7.4% 7.3% 0.3%
General + administrative 4.6% 4.6%
3Q04 1.7% 3.
(3) The 53rd week of fiscal 2004 has been excluded for comparative
purposes.7% - 1.0% -13.8% 4.2% 2.1 41.2) 16.0%100.3 0.1 27 .56 $0.1% 1.2% 1.7% 0.6% 1.7 16.5 0.1)
Minority
interest 2.4
------------------------------------------------------
Income before
tax provision 10.6) - - -
============= =============

EPS (after
special
charges) $(0.5% 32. Chang's China Bistro Inc.3 2.6 2.6 27.0%
Minority
interest 1.5%
- ---------------- -------------
Net income 4.1%
Partner
investment
expense 0.

studenta er

net, has an impressive number of viewers to justify an
affiliation with her.31
per diluted share, for the third quarter of 2004.com/cgi-bin/prnh/20020329/FBANLOGO)
"These third quarter results are particularly gratifying considering the
difficulties created by a flattening yield curve, and reflect positively on
the abilities of our staff and management ," said Stephen Gurgovits, President
and Chief Executive Officer of F.98 per diluted share, for the same period in 2004.01 per diluted share, associated with the acquisition
of NSD Bancorp Inc. These items accounted
for after-tax income totaling $.
Year-to-date, net-interest income on a fully tax equivalent basis
increased 12.
Non-interest income for the third quarter of 2005 was $18. This increase is primarily due to the acquisitions of
Slippery Rock Financial Corporation, NSD and the Morrell, Butz and Junker
Insurance Agency.7% at the end of the quarter. completed the acquisition of North East
Bancshares, Inc.fnbcorporation. These forward-looking statements
involve certain risks and uncertainties.B.B.0
Gain on sale of
branches 0 0 0 n/m n/m
Other 1,528 1,533 3,261 -0.0
Net income $18,086 $17,541 $14,696 3.8
Occupancy and equipment 19,246 17,816 8.8 8.8 14.4

Deposits and repurchase agreements 4,046,917 3,495,547 15.8 18.7
Consumer LOC 262,229 257,836 238,357 1.5 -64.5
Total loans $3,746,130 $3,708,608 $3,229,363 1.5
Total deposits 3,922,220 3,959,320 3,424,477 -0.8% 4. Chang's China Bistro Inc .01 $0.9% 19.9% 5.0% 1.2% 0.9% 15.4%
===================
Provision for income taxes -1.

P.2% 5. Chang's China Bistro

Supplemental Sales Information

Year of Unit Opening (1)

2002 2003 2004 Total


Units 14 18 18 115

Sales (000)

1Q04 17,970 24,724 3,901 144,799
2Q04 17,340 24,114 8,842 147,211
3Q04 17,293 24,285 11,142 149,764
4Q04 18,908 25,640 20,196 169,695
2004 71 ,511 98,762 44,082 611,468

Average Weekly Sales (AWS)

1Q04 98,734 105,656 95,145 111,213
2Q04 95,276 103,049 93,074 108,562
3Q04 95,018 103,781 92,086 108,367
4Q04 96 ,469 101,747 93,937 107,880
2004 96,376 103,524 93,394 108,938

Year-Over-Year Change in AWS (3)

1Q04 3.5% -14.0%
2004 5.6% 3.5% 6.2% - 12.4% 3.
------------------------------------------ ----------------------------
2005 Forecast (a)

1Q05E 2Q05E
-------------------------- ------------- --------------
Shared Shared
-------------------------- ---------------------------
Bistro Pei Svcs Total Bistro Pei Svcs Total
Wei Wei
------------------------------------------------------

Store weeks 1,492 709 2,201 1,533 748 2,281
Average weekly
sales (000) 108.1 - 36.0 5.4 0.2%
Depreciation +
amortization 3.4% 4.
----------------------------------------- -----------------------------
2005 Forecast (a)

3Q05E 4Q05E
------------------------------ -------------- ------------
Shared Shared
--- ------------------------------------------------------
Bistro Pei Svcs Total Bistro Pei Svcs Total
Wei Wei
---------------------------------------------------------

Store weeks 1,627 869 2,496 1,687 1,015 2,702
Average weekly
sales (000) 107.1 - 223.5% 32.4 3.2%

Restaurant
operating
profit 30.2
General +
administrative 8 .8 6.6% 19.8% 1.2%
------------- -------------
Income before
tax provision 6.5% 31.7 -5.5% 199.2% 10.45 11.7% 3.1% 0.2 %
----------------- -------------
Income before
tax provision 7.0% 7.6
Depreciation +
amortization 25.8 9.1% 1.9% 0.

fj 1887

net."

Robert Klein, president of the Company states, "Ms. Benson's website,
www .B.34% of total loans and 1. This
increase represents a dividend of 94 cents per share on an annualized basis
and equates to a dividend yield of 5.N.B.m.fnbcorporation.N.B.N.N.
Corporation undertakes no obligation to release revisions to these forward-
looking statements or to reflect events or circumstances after the date of
this release.4 30.7
Amortization of
intangibles 918 951 576 -3.17 $5.0
Amortization of intangibles 2,729 1,614 69.91 $0.98% 5.4
Goodwill and
intangibles 213,102 216,288 44,069 -1.9 -11.81% 0.65% 0.34% 1.7
Securities 1,333,477 1,337,373 1,140,431 -0.0 0.0

Capital ratios
Equity /assets (period end) 8.65%
Allowance for loan losses /
total loans 1.B.0

Deposits:
Non-interest bearing
deposits $671,712 $675,449 $607,352 -0.2
Savings and NOW 1,646,733 1,495,621 10. In
addition, the supplemental sales information is provided to investors
to help gauge the company's performance and is not indicative of
future results.8% 3.6%
-----------------------------
Income from operations 9.4%
Interest (expense) income and other
income 0.
----------------------------------------------------------------------
Consolidated Statements of Income
(In thousands, except per share amounts)
(Preliminary and Unaudited)

53 Weeks 52 Weeks
Ended Ended
-------------------
Jan 2 Dec 28
2005 2003
-------------------
Revenues $706,941 $539,917
Cost of sales 200,736 152,788
Labor 231,575 174,989
Partner bonus 1,750 1,439
Operating 99,528 73,660
Occupancy 39,801 30,559
-------------------
Restaurant operating profit 133,551 106,482
General + administrative 34,738 28,768
Depreciation + amortization 25,658 19 ,255
Preopening expenses 7,847 8,654
Partner investment expense 17,671 4,196
-------------------
Income from operations 47,637 45,609
Interest (expense) income and other income 612 466
Minority interests (10,078) (7,887)
-- -----------------
Income before provision for income taxes 38,171 38,188
Provision for income taxes (11,218) (12,800)
-------------------
Net income $26,953 $25,388
===================
Basic net income per share $1.0%
Cost of sales 28.1%
Minority interests -1.7%
===================

Certain percentage amounts do not sum to total due to rounding.3% 14.6% 3.2% 0.1%
Occupancy 5.0%
General + administrative 4.0%
Preopening expenses 1 .9%
2004 1.4%
4Q04 2.6%
2Q04 4.5% 4. The information set forth above is a
reconciliation of the year-over-year changes in average weekly sales
and comp store sales for the periods indicated including the 53rd week
to the amounts provided on the previous pages.

P. Chang's China Bistro Inc.1 108.9 5.7 1.1 (3 .1% 19.0% 0.8 6.2
General +
administrative 3.4 0.4 1.8 (0.2 27.51$(0.00) $(0.0% 1.3% 1.9

Restaurant
operating
profit 136.3 (22 . Chang's China Bistro Inc.4 -3.1 16.5 36.35 10.0%

Restaurant
operating
profit 18.3% 0.5% 32.7 1.6 2.6
Tax provision 15.

1872 v

Benson's poker site is available at www." She was also featured in
several publications, including FHM, Penthouse, Sports Illustrated, and the
New Yorker. Anna Benson was proclaimed "Baseball's
Hottest Wife" by FHM magazine.7 million after-tax gain on the sale of
branches and $1. The net interest margin for the third
quarter was 3. Further, this
is the 33rd consecutive year that F. (EDT) to discuss third quarter 2005 results. Investment Advisors, Inc .N.5 21.7
Occupancy and equipment 6,353 6,376 6,124 -0.7 -1.80% 30 .3
Net interest income after provision 132,686 113,928 16.5

Service charges 29,542 25,239 17.1
Insurance commissions and fees 9,986 8,161 22.90 $0.18%
Efficiency ratio (FTE) (2) 57.7
Ending shares outstanding 56,520,245 46,696,666 21.56 48.78 % 0.63% 175.36% 0.0
Shareholders' equity 467,028 259,529 80.6

Deposits:
Non-interest bearing deposits $662,844 $612,347 8.F. Chang's
China Bistro Inc.com
P.4% 5.6%
Occupancy 5.6% 3.2% 32.F.1% 13.6% 3.5% 2.7% 6.1% 4.5% -1.
(3) The 53rd week of fiscal 2004 has been excluded for comparative
purposes.2%
2004 6.5% 0.8%

The company's 2003 fiscal year was 52 weeks long, and its 2004
fiscal year was 53 weeks long.7 29.9 - 191.2
General +
admini-
strative 3.6 5.1 7.8 0.8 26.0% 100.0% 100.7% 1.5%
Partner
investment
expense 0.7

Revenues
(millions) 174.2 0.6 22.9) 5.0%100.0% 100.3% 1.4%
=========================================================

P.1 84.1%
Depreciation +
amortization 3.2% 1.0% 0.0%100.6%
Preopening
expenses 1.9%
Other income -0.1%
Tax provision 31 .7%

Revenues
(millions) 174.0
Tax provision 3.2

EPS $0.9 -12.1% 0.

uppl er

N."
Offsetting the increase in interest income was a 15 basis-point increase
in the cost of funds compared to the previous quarter.8 million, up
2.
On a year-to-date basis, non-interest income was up 10.2 million in the previous quarter and $35.
On a year-to -date basis, non-interest expense, excluding merger-related
costs, was $115.4 million in the third quarter of
2005, compared to $2.B. Corporation's future results to differ
materially from historical performance or projected performance.1 12.32 $0.54% 15.30% 55.4
Total non-interest income 55,537 56,940 -2.97%
Yield on earning assets (FTE ) 5.26 $5.7
Allowance for loan
losses 50,258 50,197 46,151 0.8 63.6
Securities 1,306,343 1,048 ,151 24.4
Lease financing 2,679 3,546 7,570 -24.7 15.7
million for the fourth quarter ended Jan.0% 100.5% -1.4%
-----------------------------
Net income 5.1%
Provision for income taxes -1.40
Shares used in calculation of basic EPS 25,977
Shares used in calculation of diluted EPS 26,786

Percentage of Revenues
------------------------- ---

Total Bistro Pei
Wei
--- -------------------------
Revenues 100.6%
Partner investment expense 0.9%
Labor 32.6% 3.7% 0.7 %
2Q04 1.1% 2.1% - 2.6% -10.4%
General +
administrative 1 .5% 32.5%
-------------------------- ---------------------------
Net income 8.9) 9.9 (3.5% 3.2% 0.3% 0.0% 4. Chang's China Bistro Inc.5 22.6 5.F.8% 169.2 16.02)$0.9% 5.7% 0.2% 8.1% 2,274 2,702 18.8 11 .1
Preopening
expenses 2.1% 0.0% 7.4
--------------------------- ---------------------
Net income 34.3%
General +
administrative 4.

eftir 1870

golddiggerpoker. Average loans increased 4.3% in the
third quarter of 2005 , consistent with the previous quarter and a notable
improvement from the 57.N. It also operates consumer finance offices in
Tennessee, as well as commercial and mortgage loan production offices in
Florida. F.38% 2.26 $8.1

Income before income taxes 71 ,668 66,898 7.1
Diluted $0.N.2
Restructured loans 5,109 5,547 5,741 -7.0
Non-performing loans 29,126 26,237 11.N.2
Certificates of
deposit and other
time deposits 1,601,013 1,591,696 1,325,421 0.8 15.9
Direct installment 869,020 782,347 11.5
Total deposits 3,922,220 3,424,477 14.0%
Partner bonus 0.7%
General + administrative 4. Chang's China Bistro Inc.
------------------------------------- ---------------------------------
Supplemental Financial Information
(In thousands, except per share amounts)
(Preliminary and Unaudited )

53 Weeks Ended
Jan.3% 28.8% 0.7% 3.3% -0.2% 4.9% 4.1% -21.3% 3.3% 8 .7%

Pei Wei

Year-Over-Year Change in AWS

2000 2001 2002 2003 2004 Total
-------------------------------- -----
Units 1 4 11 17 20 53

4Q04 8.2%
2004 4.7%
2004 6.5% 2.
Development Schedule

P.2 9.4 2.0 0.8 12.1% 3.3 40.4 84.1 - 209.5 (1.0) (3.03 $(0.0% 100.5%
---------------------------------------------------------
Net income 7.7% 8.9 1.5 9.5 7.7
Other income (0.9% 19.8% 0.5%
------------------------------------ ------------

FD shares 26.02 $1.4% 1.

her sund

, F. (Sun), which a third party acquired in late 2004."
"We expect to achieve additional loan growth from the recently announced
commercial loan production and consumer mortgage origination offices in
Florida," continued Gurgovits. "The Corporation's previous experience in the
Florida market has led to an alliance with several seasoned senior lenders,
formerly affiliated with F.N.B.B.N.4 -3.4
Net interest income
after provision 43,915 45,192 38,497 -2.56%
Return on average
assets 1.5

Salaries and employee benefits 60,253 53,411 12.1
Long-term debt 598,188 566,481 562,940 5.0
Other real estate owned 5,907 6,510 4,507 -9.1 16.2 16.2 348.48%
Leverage ratio 7.47% 4.N.8
Short-term borrowings 282,619 239 ,977 17.2
Restructured loans 5,109 5,741 -11.7 10 .2 10.8
Total deposits and repurchase
agreements $4,046,917 $3,495,547 15. (NASDAQ:PFCB) today reported earnings of $10.3%
-----------------------------
Restaurant operating profit 18.2% 0.05 $1.4% -1.1%
Operating 14.4% 16.3% -0.7% 6.0% 3.9%
4Q04 3.2% -1.7%
2Q04 4.2% 0.8 % -10. Chang's China Bistro

1Q05 2Q05 3Q05 4Q05

Units opened 1
Units under construction 1 5 3
Units in development 3 5
Units closed (1)
------------------------------------- ---

Total new unit development 1 5 6 5

Existing units 115 116 121 127
--------- -------------------------------

Total units 116 121 127 132
========================================


Pei Wei Asian Diner

1Q05 2Q05 3Q05 4Q05

Units opened 1
Units under construction 4
Units in development 5 8 8
----------------------------------------

Total new unit development 1 9 8 8

Existing units 53 54 63 71
----------------------------------------

Total units 54 63 71 79
========================================


P.4 42.7 165.9 2 .50 $0.0% -0.0% -0.1% 1.5% 32.1 40.4

Restaurant
operating
profit 35.3 1.36 $0.14) $0.8% 4.8%
Partner
investment
expense 0.0% 0.0% 100.7%
Other income 0.0 12.27 $0.6% 3.7 8.4) (0.4 9.31 $0.8% 8.3 84.7
Preopening
expenses 7.6%
Preopening
expenses 1.

her singar

---

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