Northwest Bancshares, Inc. reported Unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2017. For the quarter, the company announced net income of $22.1 million, or $0.22 per diluted share. This represents a decrease of $2.4 million, or 9.6%, compared to the same quarter last year when net income was $24.5 million or $0.24 per diluted share. The annualized returns on average shareholders' equity and average assets were 7.31% and 0.94% compared to 8.37% and 1.01% for the same quarter last year.  Net interest income increased by $1.3 million, or 1.6%, to $84.2 million for the quarter ended December 31, 2017, from $82.9 million for the quarter ended December 31, 2016. This increase is due primarily to a $1.5 million, or 1.7%, increase in interest income on loans receivable and an $850,000, or 39.2% increase in interest income on mortgage-backed securities. Net interest income after provision for loan losses was $77,715,000 compared to $80,797,000 a year ago. Income before income taxes were $28,724,000 compared to $36,855,000 a year ago. Annualized return on tangible common equity was 10.05% against of 11.73% a year ago. For the full year, the company’s net income was $94.5 million, or $0.92 per diluted share, which represents an increase of $44.8 million, or 90.2%, compared to the year ended December 31, 2016, when net income was $49.7 million, or $0.49 per diluted share. The returns on average shareholders' equity and average assets were 7.95% and 0.99%, respectively, compared to 4.28% and 0.55% for the same period last year.  This increase is due primarily to the sale of the Company's Maryland offices at a profit of $17.2 million during 2017 and also to a $37.0 million penalty incurred from the prepayment of FHLB borrowings during 2016. Non-GAAP net income, which excludes the after-tax impact of the gain on sale of the Maryland offices of $10.3 million and after-tax restructuring expenses of $2.7 million as well as the aforementioned $3.1 million tax benefit, was $83.7 million, or $0.83 per diluted share. Net interest income after provision for loan losses was $311,034,000 compared to $293,793,000 a year ago. Income before income taxes was $135,911,000 compared to $71,315,000 a year ago. Annualized return on tangible common equity was 10.80% compared to 5.98% a year ago. Net operating income (non-GAAP) was $83,735,000 compared to $82,264,000 a year ago. Diluted earnings per share (non-GAAP) were $0.83 compared to $0.82 a year ago. Annualized ROE (non-GAAP) was 7.04% compared to 7.09% a year ago. Annualized ROA (non-GAAP) was 0.88% against of 0.90% a year ago.