| x | ANNUAL      REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF      1934 |
|---|------------------------------------------------------------------------------------------------|

| o | TRANSITION      REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF      1934 |
|---|----------------------------------------------------------------------------------------------------|

| Indiana                                                                 |   | 35-1632155                                  |
|-------------------------------------------------------------------------|--------|---------------------------------------------|
| (State      or other jurisdiction ofincorporation      or organization) |   | (I.R.S.      Employer Identificationnumber) |

| 21      S.E. Third Street, P.O. Box 868, Evansville, IN |   | 47705-0868      |
|---------------------------------------------------------|--------|-----------------|
| (Address      of principal executive offices)           |   | (Zip      Code) |

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|          |                                                                                                                             |   | PAGENUMBER |
|---------------|----------------------------------------------------------------------------------------------------------------------------------|--------|------------|
|          |                                                                                                                             |   |       |
| PART      I   |                                                                                                                             |   |       |
|          |                                                                                                                             |   |       |
| Item      1.  | Business                                                                                                                         |   | 3          |
| Item      1A. | Risk      Factors                                                                                                                |   | 9          |
| Item      1B. | Unresolved      Staff Comments                                                                                                   |   | 16         |
| Item      2.  | Properties                                                                                                                       |   | 16         |
| Item      3.  | Legal      Proceedings                                                                                                           |   | 16         |
| Item      4.  | Reserved                                                                                                                         |   | 16         |
|          |                                                                                                                             |   |       |
| PART      II  |                                                                                                                             |   |       |
|          |                                                                                                                             |   |       |
| Item      5.  | Market      for Registrant’s Common Equity and Related Stockholder Matters, and Issuer      Purchases of Equity Securities |   | 16         |
| Item      6.  | Selected      Financial Data                                                                                                     |   | 18         |
| Item      7.  | Management’s      Discussion and Analysis of Financial Condition and Results of      Operation                             |   | 19         |
| Item      7A. | Quantitative      and Qualitative Disclosures About Market Risk                                                                  |   | 45         |
| Item      8.  | Financial      Statements and Supplementary Data                                                                                 |   | 47         |
| Item      9.  | Changes      in and Disagreements With Accountants on Accounting and Financial      Disclosure                                   |   | 93         |
| Item      9A. | Controls      and Procedures                                                                                                     |   | 93         |
| Item      9B. | Other      Information                                                                                                           |   | 93         |
|          |                                                                                                                             |   |       |
| PART      III |                                                                                                                             |   |       |
|          |                                                                                                                             |   |       |
| Item      10. | Directors      and Executive Officers and Corporate Governance                                                                   |   | 93         |
| Item      11. | Executive      Compensation                                                                                                      |   | 93         |
| Item      12. | Security      Ownership of Certain Beneficial Owners and Management and Related      Stockholder Matters                         |   | 93         |
| Item      13. | Certain      Relationships and Related Transactions, and Director      Independence                                              |   | 93         |
| Item      14. | Principal      Accountant Fees and Services                                                                                      |   | 93         |
|          |                                                                                                                             |   |       |
| PART      IV  |                                                                                                                             |   |       |
|          |                                                                                                                             |   |       |
| Item      15. | Exhibits      and Financial Statement Schedules                                                                                  |   | 94         |
|          |                                                                                                                             |   |       |
| Signatures    |                                                                                                                             |   | 95         |

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----

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----

----

|   | · | To      the extent we are eligible to use a Registration Statement on Form S-3      under the Securities Act of 1933, we are required to register for resale      the Treasury Preferred Stock, the Warrant and the Warrant      Shares.  We registered the resale of the Warrant and the Warrant      Shares in June 2009.  We are not currently eligible to use Form      S-3 to register the resale of the Treasury Preferred  Stock. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | As      long as the Treasury Preferred Stock remains outstanding, unless all      accrued and unpaid dividends for all past dividend periods on the Treasury      Preferred Stock are fully paid, we will not be permitted to declare or pay      dividends on any common stock, any junior preferred shares or, generally,      any preferred shares ranking pari passu with the Treasury Preferred Stock      (other than in the case of pari passu preferred shares, dividends on a pro      rata basis with the Treasury Preferred Stock), nor will we be permitted to      repurchase or redeem any common stock or preferred shares other than the      Treasury Preferred Stock.  We suspended payment of cash      dividends on the Treasury Preferred Stock and common stock during      2009.  The unpaid dividends on the Treasury Preferred Stock will      continue to accrue and cumulate until paid in  full. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Unless      the Treasury Preferred Stock has been transferred to unaffiliated third      parties or redeemed in whole, until February 27, 2012, the Treasury      Department’s approval is required for any increase in common stock      dividends or any share repurchases other than repurchases of the Treasury      Preferred Stock, repurchases of junior preferred shares or common stock in      connection with the administration of any employee benefit plan in the      ordinary course of business and consistent with past practice and      purchases under certain other limited circumstances specified in the      Securities Purchase Agreement. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We      must also comply with the executive compensation and corporate governance      standards imposed by the ARRA for so long as the Treasury Department holds      any securities acquired from us pursuant to the Securities Purchase      Agreement or upon exercise of the Warrant, excluding any period during      which the Treasury Department holds only the Warrant, or the Covered      Period. The ARRA executive compensation standards apply to our Senior      Executive Officers (as defined in the ARRA) as well as certain other      employees. The Treasury Department adopted an interim final rule effective      June 15, 2009, which includes, without limitation, the      following: |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | ensuring      that incentive compensation for Senior Executive Officers does not      encourage unnecessary and excessive risks that threaten the value of the      financial institution; |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | any      bonus, retention award or incentive compensation paid (or under a legally      binding obligation to be paid) to a Senior Executive Officer or any of our      20 next most highly-compensated employees based on statements of earnings,      revenues, gains or other criteria that are later proven to be materially      inaccurate must be subject to recovery or “clawback” by  us; |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | we      are prohibited from paying or accruing any bonus, retention award or      incentive compensation with respect to our five most highly-compensated      employees or such higher number as the Secretary of the Treasury      Department may determine is in the public interest, except for grants of      restricted stock that do not fully vest during the Covered Period and do      not have a value which exceeds one-third of an employee’s total annual      compensation; |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | severance      payments to the Senior Executive Officers and our five next most      highly-compensated employees, generally referred to as “golden parachute”      payments, are prohibited, except for payments for services performed or      benefits accrued; |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | compensation      plans that encourage manipulation of reported earnings are      prohibited; |
|--------|--------|-----------------------------------------------------------------------------------------------|

|   | · | the      Treasury Department may retroactively review bonuses, retention awards and      other compensation previously paid to a Senior Executive Officer or any of      our 20 next most highly-compensated employees that the Treasury Department      finds to be inconsistent with the purposes of the Capital Purchase Program      or otherwise contrary to the publicinterest; |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | our      Board of Directors had to establish a company-wide policy regarding      excessive or luxury expenditures; |
|--------|--------|---------------------------------------------------------------------------------------------------------------------|

----

|   | · | our      proxy statements for annual shareholder meetings must permit a non-binding      “say on pay” shareholder vote on the compensation of      executives; |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | compensation      in excess of $500,000 for each Senior Executive Officer must not be      deducted for federal income tax purposes;and |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------|

|   | · | we      must comply with the executive compensation reporting and recordkeeping      requirements established by the Treasury  Department. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------|

| NAME                       |   | AGE      |   | OFFICE      AND BUSINESS EXPERIENCE                                                                                                                                                                                                                                                                                                                                                   |
|----------------------------|--------|----------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                       |   |     |   |                                                                                                                                                                                                                                                                                                                                                                                  |
| Michael      J. Alley      |   | 54       |   | Chairman      of the Board, President, and Chief Executive Officer of the Company (May      2009 to present); Chairman of the Board, Patriot Investments LLC (June      2002 to present).                                                                                                                                                                                             |
|                       |   |     |   |                                                                                                                                                                                                                                                                                                                                                                                  |
| Michael      B. Carroll    |   | 48       |   | Executive Vice President and Chief      Financial Officer, (December 2009 to present), Executive Vice      President and Controller of the Company (December 2008 to December 2009);      Senior Vice President and Controller of the Company (December 2005 to      December 2008); Senior Vice President and Risk Manager of the Company (May      2002 to December 2005).          |
|                       |   |     |   |                                                                                                                                                                                                                                                                                                                                                                                  |
| Roger      M. Duncan  |   | 55  |   | Executive      Vice President, Integra Bank, Retail Manager and Community Markets      Manager; President of Evansville Region (July 2008 to present); Executive      Vice President, Integra Bank, President of Evansville Region and Community      Banking Division (October 2006 to July 2008); Market Executive, Community      Banking Division (January 2000 to October 2006). |
|                       |   |     |   |                                                                                                                                                                                                                                                                                                                                                                                  |
| John      W. Key           |   | 50       |   | Executive      Vice President, Chief Credit and Risk Officer (December 2009 to present);      Executive Vice President  of Corporate Banking (April 2007 to      December 2009); South Central Region President, Old National Bank (January      2004 to April2007).                                                                                                        |

----

----

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|   | · | Further      declines in the housing market and the increased volatility of the stock      market may adversely affect consumer confidence and may cause adverse      changes in loan payment patterns, causing increases in delinquencies and      default rates. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | The      processes we use to estimate probable losses and impairment of assets,      including investment securities, may no longer be reliable because they      rely on complex judgments, including forecasts of economic conditions,      which may no longer be capable of accurate  estimation. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Our      ability to assess the creditworthiness of our customers may be impaired if      the models and approaches we use to select, manage and underwrite our      customers become less predictive of future  charge-offs. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Additional      losses and declines in financial performance in the banking industry could      negatively impact the value of our trust-preferred securities portfolio      and result in additional other-than-temporary  impairment. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | A      decline in consumer confidence could also result in withdrawal of deposit      funds by consumers, negatively impacting our  liquidity. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Our      ability to borrow from other financial institutions on favorable terms or      at all could be adversely affected by further disruptions in the capital      markets or other events. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We      may be required to pay higher FDIC premiums because of the increased      deposit coverage and the closure of other financial institutions could      deplete the insurance fund of theFDIC. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

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|   | · | The      ability to develop, maintain and build upon long-term customer      relationships; |
|--------|--------|---------------------------------------------------------------------------------------------|

|   | · | The      ability to expand our marketposition; |
|--------|--------|------------------------------------------------|

|   | · | The      scope, relevance and pricing of products and  services; |
|--------|--------|------------------------------------------------------------------|

|   | · | Our      reputation with consumers who reside in the markets we    serve; |
|--------|--------|---------------------------------------------------------------------------|

|   | · | The      rate at which we introduce new products and  services; |
|--------|--------|-----------------------------------------------------------------|

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|   | · | Customer      satisfaction; and |
|--------|--------|---------------------------------|

|   | · | Industry      and general economic trends. |
|--------|--------|--------------------------------------------|

----

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|   |   |    |   | Range of Stock      Price |   |   | Dividends |   |
|--------|--------|---------|--------|---------------------------|--------|--------|-----------|--------|
|   |   | Quarter |   | High                      |   |   | Low       |   |   | Declared |   |
| 2009   |   | 1st     |   | $                         | 2.90   |   |      | $      | 0.75 |   |   |   | 0.01 |   |
|   |   | 2nd     |   |                      | 2.65   |   |      |   | 0.97 |   |   |   | 0.01 |   |
|   |   | 3rd     |   |                      | 1.90   |   |      |   | 0.97 |   |   |   | 0.00 |   |
|   |   | 4th     |   |                      | 1.40   |   |      |   | 0.56 |   |   |   | 0.00 |   |
|   |   |    |   |                      |   |   |      |   |   |   |   |   |   |   |
| 2008   |   | 1st     |   | $                         | 17.32  |   |      | $      | 12.50 |   |   | $ | 0.18 |   |
|   |   | 2nd     |   |                      | 17.09  |   |      |   | 7.82 |   |   |   | 0.18 |   |
|   |   | 3rd     |   |                      | 10.33  |   |      |   | 5.50 |   |   |   | 0.01 |   |
|   |   | 4th     |   |                      | 8.74   |   |      |   | 1.27 |   |   |   | 0.01 |   |

----

|                          |   |     |   |   | Period    Ending |   |   |     |   |
|-------------------------------|--------|----------|--------|--------|------------------|--------|--------|----------|--------|
| Index                         |   | 12/31/04 |   |   | 12/31/05         |   |   | 12/31/06 |   |   | 12/31/07 |   |   | 12/31/08 |   |   | 12/31/09 |   |
| Integra Bank      Corporation |   |     | 100.00 |   |             |   | 95.08  |     |   |   | 126.01 |   |   |   | 67.07 |   |   |   | 6.77 |   |   |   | 3.70 |   |
| NASDAQ      Composite         |   |     | 100.00 |   |             |   | 101.37 |     |   |   | 111.03 |   |   |   | 121.92 |   |   |   | 72.49 |   |   |   | 104.31 |   |
| SNL Midwest      Bank         |   |     | 100.00 |   |             |   | 96.36  |     |   |   | 111.38 |   |   |   | 86.81 |   |   |   | 57.11 |   |   |   | 48.40 |   |

----

| Integra Bank Corporation and      Subsidiaries          |   |   |      |   |   |   |      |   |   |   |      |   |   |
|---------------------------------------------------------|--------|--------|-----------|--------|--------|--------|-----------|--------|--------|--------|-----------|--------|--------|
| (In Thousands, Except Per Share      Data and Ratios)   |   |   |      |   |   |   |      |   |   |   |      |   |   |
|                                                    |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |
| YEAR ENDED DECEMBER      31,                            |   | 2009   |      |   | 2008   |   |      | 2007   |   |   | 2006      |   |   | 2005 |   |
|                                                    |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |
| Net interest      income                                |   | $      | 66,036    |   |   | $      | 93,981    |   |   | $      | 93,249    |   |   | $ | 82,306 |   |   | $ | 82,621 |   |
| Provision for loan      losses                          |   |   | 113,368   |   |   |   | 65,784    |   |   |   | 4,193     |   |   |   | 20,294 |   |   |   | 5,764 |   |
| Non-interest      income                                |   |   | 23,168    |   |   |   | 29,689    |   |   |   | 37,071    |   |   |   | 35,827 |   |   |   | 35,878 |   |
| Non-interest      expense                               |   |   | 106,169   |   |   |   | 220,053   |   |   |   | 87,650    |   |   |   | 75,877 |   |   |   | 77,557 |   |
| Income (Loss) before income      taxes                  |   |   | (130,333  | )      |   |   | (162,167  | )      |   |   | 38,477    |   |   |   | 21,962 |   |   |   | 35,178 |   |
| Income taxes      (benefit)                             |   |   | 60,850    |   |   |   | (51,292   | )      |   |   | 7,767     |   |   |   | 2,415 |   |   |   | 7,879 |   |
| Net income      (loss)                                  |   |   | (191,183  | )      |   |   | (110,875  | )      |   |   | 30,710    |   |   |   | 19,547 |   |   |   | 27,299 |   |
| Preferred stock dividends and      discount accretion   |   |   | 3,798     |   |   |   | -         |   |   |   | -         |   |   |   | - |   |   |   | - |   |
| Net Income (loss) available to      Common Shareholders |   | $      | (194,981  | )      |   | $      | (110,875  | )      |   | $      | 30,710    |   |   | $ | 19,547 |   |   | $ | 27,299 |   |
|                                                    |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |   |   |   |   |
| PER COMMON      SHARE                                   |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |   |   |   |   |
| Net income      (loss):                                 |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |   |   |   |   |
| Basic                                                   |   | $      | (9.42     | )      |   | $      | (5.39     | )      |   | $      | 1.55      |   |   | $ | 1.11 |   |   | $ | 1.57 |   |
| Diluted                                                 |   |   | (9.42     | )      |   |   | (5.39     | )      |   |   | 1.55      |   |   |   | 1.11 |   |   |   | 1.56 |   |
| Cash dividends      declared                            |   |   | 0.02      |   |   |   | 0.38      |   |   |   | 0.71      |   |   |   | 0.67 |   |   |   | 0.64 |   |
| Weighted average      shares:                           |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |   |   |   |   |
| Basic                                                   |   |   | 20,706    |   |   |   | 20,557    |   |   |   | 19,778    |   |   |   | 17,546 |   |   |   | 17,382 |   |
| Diluted                                                 |   |   | 20,706    |   |   |   | 20,557    |   |   |   | 19,812    |   |   |   | 17,658 |   |   |   | 17,468 |   |
|                                                    |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |   |   |   |   |
| AT YEAR-END                                             |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |   |   |   |   |
| Totalassets                                             |   | $      | 2,921,941 |   |   | $      | 3,357,100 |   |   | $      | 3,350,126 |   |   | $ | 2,684,479 |   |   | $ | 2,708,142 |   |
| Securities available for      sale                      |   |   | 361,719   |   |   |   | 561,739   |   |   |   | 636,736   |   |   |   | 614,718 |   |   |   | 681,030 |   |
| Loans, net of unearned      income                      |   |   | 2,019,732 |   |   |   | 2,490,243 |   |   |   | 2,311,378 |   |   |   | 1,790,976 |   |   |   | 1,750,192 |   |
| Deposits                                                |   |   | 2,365,106 |   |   |   | 2,340,192 |   |   |   | 2,340,137 |   |   |   | 1,953,852 |   |   |   | 1,808,503 |   |
| Shareholders'      equity                               |   |   | 102,346   |   |   |   | 204,791   |   |   |   | 327,804   |   |   |   | 235,474 |   |   |   | 220,098 |   |
| Shares      outstanding                                 |   |   | 20,848    |   |   |   | 20,749    |   |   |   | 20,650    |   |   |   | 17,794 |   |   |   | 17,465 |   |
|                                                    |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |   |   |   |   |
| AVERAGE      BALANCES                                   |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |   |   |   |   |
| Totalassets                                             |   | $      | 3,368,659 |   |   | $      | 3,379,110 |   |   | $      | 3,104,951 |   |   | $ | 2,719,056 |   |   | $ | 2,746,425 |   |
| Securities, at amortized      cost                      |   |   | 454,669   |   |   |   | 593,579   |   |   |   | 621,199   |   |   |   | 659,142 |   |   |   | 757,694 |   |
| Loans, net of unearned      income                      |   |   | 2,338,918 |   |   |   | 2,407,677 |   |   |   | 2,128,551 |   |   |   | 1,782,918 |   |   |   | 1,688,547 |   |
| Interest-bearing      deposits                          |   |   | 2,220,665 |   |   |   | 2,066,435 |   |   |   | 2,021,531 |   |   |   | 1,725,655 |   |   |   | 1,618,027 |   |
| Shareholders'      equity                               |   |   | 227,920   |   |   |   | 313,699   |   |   |   | 300,457   |   |   |   | 230,017 |   |   |   | 216,278 |   |
|                                                    |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |   |   |   |   |
| FINANCIAL      RATIOS                                   |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |   |   |   |   |
| Return on average      assets                           |   |   | (5.68     | )%     |   |   | (3.28     | )%     |   |   | 0.99      | %      |   |   | 0.72 | % |   |   | 0.99 | % |
| Return on average common      equity                    |   |   | (122.77   | )      |   |   | (35.34    | )      |   |   | 10.22     |   |   |   | 8.50 |   |   |   | 12.62 |   |
| Net interest      margin                                |   |   | 2.37      |   |   |   | 3.18      |   |   |   | 3.46      |   |   |   | 3.43 |   |   |   | 3.44 |   |
| Cash dividends      payout                              |   |   | N/M       | *      |   |   | N/M       | *      |   |   | 43.83     |   |   |   | 59.26 |   |   |   | 40.82 |   |
| Average shareholders' equity to      average assets     |   |   | 6.77      |   |   |   | 9.28      |   |   |   | 9.68      |   |   |   | 8.46 |   |   |   | 7.87 |   |

----

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|   | · | We      increased our capital by $83,586 by participating in the Treasury      Department’s Capital PurchaseProgram; |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------|

|   | · | We      successfully completed three branch and loan sale transactions, which      improved our capital and liquidity.  We collected $7,812 in      deposit premiums on the ten sold branches.  The loan sales      included the sale of $69,356 of commercial loans generated by our      commercial and industrial (C & I) loan production group based in      Covington, Kentucky.  This C & I loan production office, or      LPO, was then closed and the entire staff was hired by the      purchaser. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | To      date in 2010, we have announced the signing of definitive agreements to      sell thirteen more branches, which is expected to generate capital, while      being liquidity neutral. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We      realized early payoffs or paydowns of $31,241 of commercial real estate      loans through an early repayment incentive  program. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Our      workout team developed and is executing plans to exit the commercial real      estate loans and non-performing assets in Chicago area, while implementing      a similar approach for our other non-performing commercial real estate      (CRE) loans. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We      closed our Louisville, Kentucky and Nashville, Tennessee commercial real      estate LPOs and announced the closure of our Cleveland, Ohio LPO which was      subsequently completed in January 2010, as part of our plans to exit that      business. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We      negotiated a sale or surrender of $61,992 of bank owned life insurance,      receiving $45,067 of those proceeds during 2009, with the remainder      expected in 2010. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We      repositioned our investment securities portfolio to reduce the credit risk      in that portfolio. |
|--------|--------|------------------------------------------------------------------------------------------------------------|

|   | · | We      executed a profit improvement initiative, which resulted in a significant      reduction in non-interest expenses and enhancement of non-interest      income. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We      suspended payment of cash dividends on our outstanding preferred stock,      suspended dividends on our common stock, and deferred the payment of      interest on our outstanding junior subordinated notes related to our trust      preferred securities. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We      continued to execute efforts to retain and grow deposits, and saw deposit      growth, even with the branchdivestitures. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------|

|   | · | We      completed the transition to new executive leadership that is clearly      focused on the execution of strategies to position us for long term      success. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | First,      we are exiting the commercial real estate lending line of business, not      just for the short term in these challenging economic times, but for the      long term as well.  We will manage our current commercial real      estate exposure downward through the sale of performing and nonperforming      loans, discontinue the generation of any new commitments, and provide      incentives to our customers      and relationship managers to prepay their outstanding loans and increase      our yields as pricing opportunities arise.  Our remaining CRE      relationship managers have been reassigned to our loan workout group to      emphasize our strategy and desiredoutcome. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Second,      we will narrow our geographic operating footprint through the sale of      multiple branch clusters.  The sale completed in December 2009      was the first transaction executed under this strategy and the definitive      agreement for the sale of three branches in Eastern Indiana announced on      February 1, 2010, is the next.  On February 17, 2010, we      announced signing another definitive agreement for the sale of two      Kentucky branches.  We also announced on March 3, 2010, the      agreement to sale five Kentucky and three Indiana branches.  We      have received multiple letters of intent regarding significant additional      branch clusters with numerous parties having completed, or being in the      midst of completing due diligence toward reaching definitive agreements      regarding these transactions and anticipate announcing multiple      transactions during the first half of 2010 regarding these      efforts. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Third,      the additional capital generated from these asset divestitures, both from      the gain on sale as well as reduced risk weighted assets, will allow us to      increase sales of both performing and nonperforming assets, ensuring      adequate levels of liquidity and improving our credit quality      measures. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Finally,      as we execute branch and asset divestitures, we will aggressively reduce      our cost structure to match our core earning capacity, aggressively market      our services to community relationship customers, and return to      profitability.  Throughout this process, we will continue to      focus on delivering exceptional customer service and transitioning our      customers in a seamless fashion. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

----

| Year      Ended December 31,                                        |   | 2009     |      |   | 2008            |   |    | 2007   |   |
|---------------------------------------------------------------------|--------|----------|-----------|--------|-----------------|--------|---------|--------|--------|
|                                                                |   | Average  |      |   | Interest        |   |    | Yield/ |   |   | Average |   |   | Interest |   |   | Yield/ |   |   | Average |   |   | Interest |   |   | Yield/ |   |
| EARNING      ASSETS:                                                |   | Balances |      |   | &      Fees |   |    | Cost   |   |   | Balances |   |   | &      Fees |   |   | Cost |   |   | Balances |   |   | &      Fees |   |   | Cost |   |
|                                                                |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing      deposits in banks                             |   | $        | 24,497    |   |            | $      | 745     |   |   |   | 3.04 | % |   | $ | 5,194 |   |   | $ | 104 |   |   |   | 2.00 | % |   | $ | 5,005 |   |   | $ | 225 |   |   |   | 4.50 | % |
| Loans      held for sale                                            |   |     | 14,189    |   |            |   | 516     |   |   |   | 3.64 | % |   |   | 5,936 |   |   |   | 366 |   |   |   | 6.17 | % |   |   | 3,346 |   |   |   | 235 |   |   |   | 7.02 | % |
| Securities:                                                         |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Taxable                                                             |   |     | 395,970   |   |            |   | 17,179  |   |   |   | 4.34 | % |   |   | 494,080 |   |   |   | 23,581 |   |   |   | 4.77 | % |   |   | 510,129 |   |   |   | 24,588 |   |   |   | 4.82 | % |
| Tax-exempt                                                          |   |     | 58,699    |   |            |   | 4,088   |   |   |   | 6.96 | % |   |   | 99,499 |   |   |   | 7,048 |   |   |   | 7.08 | % |   |   | 111,070 |   |   |   | 7,949 |   |   |   | 7.16 | % |
| Total      securities                                               |   |     | 454,669   |   |            |   | 21,267  |   |   |   | 4.68 | % |   |   | 593,579 |   |   |   | 30,629 |   |   |   | 5.16 | % |   |   | 621,199 |   |   |   | 32,537 |   |   |   | 5.24 | % |
|                                                                |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Regulatory      Stock                                               |   |     | 29,138    |   |            |   | 1,184   |   |   |   | 4.06 | % |   |   | 29,179 |   |   |   | 1,273 |   |   |   | 4.36 | % |   |   | 26,389 |   |   |   | 1,286 |   |   |   | 4.87 | % |
|                                                                |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans                                                               |   |     | 2,338,918 |   |            |   | 99,600  |   |   |   | 4.26 | % |   |   | 2,407,677 |   |   |   | 143,260 |   |   |   | 5.95 | % |   |   | 2,128,551 |   |   |   | 160,630 |   |   |   | 7.55 | % |
| Total      earning assets                                           |   |     | 2,861,411 |   |            | $      | 123,312 |   |   |   | 4.31 | % |   |   | 3,041,565 |   |   | $ | 175,632 |   |   |   | 5.77 | % |   |   | 2,784,490 |   |   | $ | 194,913 |   |   |   | 7.00 | % |
|                                                                |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fair      value adjustment on securities available for sale         |   |     | (5,476    | )      |            |   |    |   |   |   |   |   |   |   | (13,341 | ) |   |   |   |   |   |   |   |   |   |   | (7,996 | ) |   |   |   |   |   |   |   |   |
| Allowance      for loan loss                                        |   |     | (77,905   | )      |            |   |    |   |   |   |   |   |   |   | (34,641 | ) |   |   |   |   |   |   |   |   |   |   | (25,088 | ) |   |   |   |   |   |   |   |   |
| Other      non-earning assets                                       |   |     | 590,629   |   |            |   |    |   |   |   |   |   |   |   | 385,527 |   |   |   |   |   |   |   |   |   |   |   | 353,545 |   |   |   |   |   |   |   |   |   |
| TOTAL      ASSETS                                                   |   | $        | 3,368,659 |   |            |   |    |   |   |   |   |   |   | $ | 3,379,110 |   |   |   |   |   |   |   |   |   |   | $ | 3,104,951 |   |   |   |   |   |   |   |   |   |
|                                                                |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| INTEREST-BEARING      LIABILITIES:                                  |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                            |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Savings      and interest-bearing demand                            |   | $        | 720,073   |   |            | $      | 6,034   |   |   |   | 0.84 | % |   | $ | 560,420 |   |   | $ | 5,056 |   |   |   | 0.90 | % |   | $ | 506,144 |   |   | $ | 4,903 |   |   |   | 0.97 | % |
| Money      market accounts                                          |   |     | 311,042   |   |            |   | 4,077   |   |   |   | 1.31 | % |   |   | 370,099 |   |   |   | 8,296 |   |   |   | 2.24 | % |   |   | 370,953 |   |   |   | 15,114 |   |   |   | 4.07 | % |
| Certificates      of deposit and other time                         |   |     | 1,189,550 |   |            |   | 33,110  |   |   |   | 2.78 | % |   |   | 1,135,916 |   |   |   | 42,311 |   |   |   | 3.72 | % |   |   | 1,144,434 |   |   |   | 53,725 |   |   |   | 4.69 | % |
| Total      interest-bearing deposits                                |   |     | 2,220,665 |   |            |   | 43,221  |   |   |   | 1.95 | % |   |   | 2,066,435 |   |   |   | 55,663 |   |   |   | 2.69 | % |   |   | 2,021,531 |   |   |   | 73,742 |   |   |   | 3.65 | % |
|                                                                |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Short-term      borrowings                                          |   |     | 223,151   |   |            |   | 1,682   |   |   |   | 0.75 | % |   |   | 314,212 |   |   |   | 7,563 |   |   |   | 2.41 | % |   |   | 194,033 |   |   |   | 9,431 |   |   |   | 4.86 | % |
| Long-term      borrowings                                           |   |     | 367,695   |   |            |   | 10,527  |   |   |   | 2.86 | % |   |   | 373,306 |   |   |   | 15,693 |   |   |   | 4.20 | % |   |   | 285,925 |   |   |   | 15,498 |   |   |   | 5.42 | % |
| Total      interest-bearing liabilities                             |   |     | 2,811,511 |   |            | $      | 55,430  |   |   |   | 1.97 | % |   |   | 2,753,953 |   |   | $ | 78,919 |   |   |   | 2.87 | % |   |   | 2,501,489 |   |   | $ | 98,671 |   |   |   | 3.94 | % |
|                                                                |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-interest      bearing deposits                                  |   |     | 292,859   |   |            |   |    |   |   |   |   |   |   |   | 281,647 |   |   |   |   |   |   |   |   |   |   |   | 272,175 |   |   |   |   |   |   |   |   |   |
| Other      noninterest-bearing liabilities and shareholders' equity |   |     | 264,289   |   |            |   |    |   |   |   |   |   |   |   | 343,510 |   |   |   |   |   |   |   |   |   |   |   | 331,287 |   |   |   |   |   |   |   |   |   |
| TOTAL      LIABILITIES AND SHAREHOLDERS' EQUITY                     |   | $        | 3,368,659 |   |            |   |    |   |   |   |   |   |   | $ | 3,379,110 |   |   |   |   |   |   |   |   |   |   | $ | 3,104,951 |   |   |   |   |   |   |   |   |   |
|                                                                |   |     |      |   |            |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest      income/earning assets                                 |   |     |      |   |            | $      | 123,312 |   |   |   | 4.31 | % |   |   |   |   |   | $ | 175,632 |   |   |   | 5.77 | % |   |   |   |   |   | $ | 194,913 |   |   |   | 7.00 | % |
| Interest      expense/earning assets                                |   |     |      |   |            |   | 55,430  |   |   |   | 1.94 | % |   |   |   |   |   |   | 78,919 |   |   |   | 2.59 | % |   |   |   |   |   |   | 98,671 |   |   |   | 3.54 | % |
| Net      interest income/earning assets                             |   |     |      |   |            | $      | 67,882  |   |   |   | 2.37 | % |   |   |   |   |   | $ | 96,713 |   |   |   | 3.18 | % |   |   |   |   |   | $ | 96,242 |   |   |   | 3.46 | % |

----

| Note: | Tax      exempt income presented on a tax equivalent basis based on a 35% federal      tax rate. |
|-------|--------------------------------------------------------------------------------------------------|

----

----

|                              |   | 2009      Compared to 2008 |    |   | 2008      Compared to 2007 |   |
|-----------------------------------|--------|----------------------------|---------|--------|----------------------------|--------|
|                              |   | Change      Due to         |    |   |                       |   |   | Change      Due to |   |   |   |   |
| Increase      (decrease)          |   | a Change in                |    |   |                       |   |   | a Change in |   |   |   |   |
|                              |   |                       |    |   |                       |   |   | Total |   |   |   |   |   |   |   |   | Total |   |
| Interest      income              |   | Volume                     |    |   | Rate                       |   |   | Change |   |   | Volume |   |   | Rate |   |   | Change |   |
|                              |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans                             |   | $                          | (3,989  | )      |                       | $      | (39,671 | ) |   | $ | (43,660 | ) |   | $ | 19,397 |   |   | $ | (36,767 | ) |   | $ | (17,370 | ) |
| Securities                        |   |                       | (6,699  | )      |                       |   | (2,663 | ) |   |   | (9,362 | ) |   |   | (1,420 | ) |   |   | (488 | ) |   |   | (1,908 | ) |
| Regulatory      Stock             |   |                       | (2      | )      |                       |   | (87 | ) |   |   | (89 | ) |   |   | 129 |   |   |   | (142 | ) |   |   | (13 | ) |
| Loans      held for sale          |   |                       | 348     |   |                       |   | (198 | ) |   |   | 150 |   |   |   | 162 |   |   |   | (31 | ) |   |   | 131 |   |
| Other      short-term investments |   |                       | 562     |   |                       |   | 79 |   |   |   | 641 |   |   |   | 9 |   |   |   | (130 | ) |   |   | (121 | ) |
|                              |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total      interest income        |   |                       | (9,780  | )      |                       |   | (42,540 | ) |   |   | (52,320 | ) |   |   | 18,277 |   |   |   | (37,558 | ) |   |   | (19,281 | ) |
|                              |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest      expense             |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                              |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                          |   |                       | 3,872   |   |                       |   | (16,314 | ) |   |   | (12,442 | ) |   |   | 1,615 |   |   |   | (19,694 | ) |   |   | (18,079 | ) |
| Short-term      borrowings        |   |                       | (1,742  | )      |                       |   | (4,139 | ) |   |   | (5,881 | ) |   |   | 4,212 |   |   |   | (6,080 | ) |   |   | (1,868 | ) |
| Long-term      borrowings         |   |                       | (233    | )      |                       |   | (4,933 | ) |   |   | (5,166 | ) |   |   | 4,130 |   |   |   | (3,935 | ) |   |   | 195 |   |
|                              |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total      interest expense       |   |                       | 1,897   |   |                       |   | (25,386 | ) |   |   | (23,489 | ) |   |   | 9,957 |   |   |   | (29,709 | ) |   |   | (19,752 | ) |
|                              |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net      interest income          |   | $                          | (11,677 | )      |                       | $      | (17,154 | ) |   | $ | (28,831 | ) |   | $ | 8,320 |   |   | $ | (7,849 | ) |   | $ | 471 |   |

|  | · | Average      earning assets decreased $180,154, or 5.9%, and consisted mainly of lower      residential mortgage loan average balances of $63,470 and lower securities      average balances of $138,910. The increase in commercial loan average      balances was largely in our commercial real estate portfolio due to      additional funding against committed credit facilities.  |
|--|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | The      average rate of commercial loans decreased 202 basis points, as rates      declined throughout 2009 and the level of non-accrual loans increased.      Approximately 36% of our variable rate loans are tied to prime, 55% to a      LIBOR index and 9% to other floating rate indexes. During 2009, the prime      rate remained the same, while one-month and three-month LIBOR rates      decreased 20 and 117 basis points, respectively. The impact of non-accrual      loans on the net interest margin was 44 basis points, or approximately 39      cents of earnings per share. Non-accruing interest for loans in      non-accrual status at December 31, 2008 approximated 30 basis points.      Total average commercial loans represented 61.4% of total earning assets      for 2009, up from 57.2% for 2008. The yield on commercial loans for 2009      was 102 basis points lower than the yield on securities compared to 2008,      when commercial loan yields were 52 basis points higher than more stable      securities yields. We are asset sensitive, meaning that a change in      prevailing interest rates impacts our assets more quickly than our      liabilities. If rates were to rise, our asset yields should increase      faster and more than the cost of the liabilities funding those assets,      causing our net interest margin to increase.   |
|--|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | Non-interest      bearing deposit average balances increased $11,212, while the average      balances of savings and interest-bearing demand deposits, which have an      average cost of 84 basis points, increased $159,653.   |
|--|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | While      the average balance of earning assets decreased, the cash balance included      in other non-earning assets increased in order to maintain a higher level      of liquidity. The average balance of interest-bearing liabilities      increased which helped generate the additional cash. Low cost deposits      increased $170,865, brokered deposits increased $165,261, Term Auction      Facility borrowings from the Federal Reserve increased $77,063 and      borrowings under the FDIC’s Temporary Loan Guaranty Program increased      $37,808. This was partially offset by declines in Federal Home Loan Bank      advances of $93,277, retail certificates of deposit of $65,130, money      market accounts of $59,057, federal funds purchased of $54,332 and      repurchase agreements of $49,937. The decline in interest rates throughout      2009 resulted in lower liabilities costs. The average rate paid on      interest-bearing liabilities was 1.97% for 2009, a 90 basis point decline      from 2008. Short-term borrowings rates declined 166 basis points and      long-term borrowings rates declined 134 basis  points. |
|--|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|  | · | Average      earning assets increased $257,075, or 9.2%. An increase in commercial loan      average balances of $356,730 was slightly offset by lower residential      mortgage loan average balances of $81,067, lower securities average      balances of $27,620 and lower indirect consumer loan average balances of      $23,035. The increase in commercial loan average balances was largely due      to growth during 2008, but also included a full year of the Chicago      region, while 2007 included approximately 8 1⁄2 months of activity. The      change in the composition of earning assets was in line with our strategy      throughout 2007 and most of 2008 to improve our mix of earning assets by      reducing lower yielding securities, residential mortgage loan and indirect      consumer loan balances and increasing the amount of higher yielding      commercial loans. The increase in average commercial loan balances for      2008 was driven by increases in commercial real estate loans of $291,308      and commercial and industrial loans of $65,422.  |
|--|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | The      average rate of commercial loans decreased 221 basis points, as LIBOR and      prime rates declined throughout 2008 and the level of non-accrual loans      increased. Our asset sensitivity (meaning that a change in prevailing      interest rates impacts our assets more quickly than our liabilities),      resulted in our asset yields declining faster and more than the cost of      the liabilities funding those assets. Approximately 44% of our variable      rate loans are tied to prime, 45% to a LIBOR index and 11% to other      floating rate indexes. Prime decreased 400 basis points during 2008, while      one-month and three-month LIBOR rates decreased 416 and 328 basis points,      respectively. The impact of non-accrual loans on the net interest margin      was 21 basis points, or approximately 20 cents of earnings per share.      Approximately half of the 36 basis point decline in the margin during the      fourth quarter of 2008 was due to the increased level of non-performing      loans. Non-accruing interest for loans in non-accrual status at December      31, 2008 approximated 30 basis points. The impact to our net interest      margin from the higher percentage of commercial loans positively impacted      our net interest margin for the first months of 2008, but then negatively      impacted it later in the year when prime and LIBOR rates declined. Total      average commercial loans represented 57.2% of total earning assets for      2008, up from 49.7% for 2007. The yield on commercial loans for the fourth      quarter of 2008 was 34 basis points lower than the yield on securities      during the fourth quarter of 2008, a 259 basis point change from the      fourth quarter of 2007, when commercial loan yields were 225 basis points      higher than more stable securitiesyields. |
|--|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | Non-interest      bearing deposit average balances increased $9,472, while the average      balances of savings and interest-bearing demand deposits, which have an      average cost of 90 basis points, increased  $54,409. |
|--|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | The      increase in the average balance of earning assets was funded by the      increase in low cost deposits, along with increases in short-term Federal      Home Loan Bank advances of $95,613, long-term advances of $57,117,      brokered deposits of $56,620 and federal funds purchased of $21,586. This      was partially offset by a decline in retail certificates of deposit of      $65,138. The average cost of funds for Federal Home Loan Bank advances      declined 137 basis points to 3.24%, money market declined 183 basis points      to 2.24% and time deposits declined 97 basis points to    3.72%. |
|--|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Premiums      received from the assumption of deposits in the sales of 10 branch      locations in 2009 totaled $7,812; however deposit service charges declined      by $1,199, in part, due to thesesales. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Bank      owned life insurance declined $1,771, due to our decision to sell or      surrender the majority of the policies in order to reduce risk-weighted      assets to improve our regulatory capitalratios. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | · | Trading      income decreased due to the decline in fair value of our securities      classified as held for trading. During the fourth quarter 2009, we sold      all of our Treasury notes that were held for  trading. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Annuity      commissions decreased $645 as interest rates declined on the products. The      decrease was also a result of the economy and customers’ preference to      invest in short-term FDIC-insured products instead of a long-term product.      The tax deferral element became less attractive as rates    fell. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Our      Treasury Warrant was reflected as a liability at March 31, 2009, because      it was not fully exercisable at the time of issuance. The $6,145 non-tax      deductible fair value adjustment reflects the change in value of the      Treasury Warrant from March 31, 2009, through the date it was reclassified      to equity. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Securities      losses of $13,424 included other-than-temporary impairment charges of      $21,484 on six securities. The “Securities Available for Sale and Trading      Securities” section of Management Discussion and Analysis, as well as Note      4 of the Notes to the Consolidated Financial Statements provides      additional information on the other-than-temporary    impairment. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | Continued      increasing trends of the amount and number of purchases charged to debit      cards by our customers led to an increase in debit card interchange fees      of 20.1%. |
|--|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | The      increase in deposit service charges continues to be a result of the      success of our High Performance Checking initiative. Increased customer      activity, coupled with increases in non-sufficient funds fees, resulted in      the increased fee income. |
|--|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | Life      insurance income increased in part due to the full-year impact of      additional insurance policies purchased during 2007, coupled with death      benefits of $414, offset by lower crediting rates on some      policies. |
|--|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | The      increase in annuity commissions resulted from a change in customer      preferences that started during 2007 and continued into 2008, due in part      to the impact of declining interest rates on alternative      products. |
|--|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Securities      losses of $10,571 included other-than-temporary impairment charges of      $10,612 on four securities. The “Securities Available for Sale and Trading      Securities” section of Management Discussion and Analysis, as well as Note      4 of the Notes to the Consolidated Financial Statements provides      additional information on the other-than-temporary    impairment. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Loan      and OREO expenses increased $8,223, or 295.8%. This increase is attributed      to higher levels of real estate owned and related expenses, expenses      incurred in connection with loan workout and collection activities and      loan portfolio management expenses, such as the cost of obtaining new      appraisals on real estate securing some of our commercial real estate      loans. The increase in writedowns on OREO properties in 2009 totaled      $3,743. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | FDIC      insurance premiums increased by $6,885 in 2009 for several reasons. The      rates charged by the FDIC increased substantially, our deposit balances      increased, our one-time credit was fully utilized during the first quarter      of 2009, and a special 5 basis point assessment totaling $1,623 was      expensed during 2009. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|  | · | Personnel      expense declined $6,173, or 12.8% during 2009. The decrease included      declines in salaries of $2,907, or 8.0%, stock-based compensation expense      of $1,292, or 67.5%, post retirement insurance of $1,185, or 253.2%,      401(k) match of $1,011, or 80.9%, and incentives of $889, or 47.1%, offset      slightly by an increase in severance expense of $705. The decrease in      salaries was mainly due to the sale of five banking centers in the first      quarter of 2009, as well as a reduction in workforce as part of our profit      improvement program. The decrease in stock based compensation expense      occurred mainly from adjustments to our forfeiture rates. Due to the sale      or surrender of the BOLI policies, the liability from the related      compensation cost of the split dollar policies was reversed through post      retirement insurance. The reduction in 401(k) plan expense reflects the      suspension of our matching 401(k) contribution in an effort to control      personnel expense. At December 31, 2009, we had 736 full-time equivalent      employees or FTEs, compared to 870 FTEs in2008. |
|--|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | We      took a $1,639 charge in 2009 as we wrote down three properties to their      fair value as we look for a buyer for the properties.  |
|--|--------|--------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | During      the second quarter of 2009, we incurred debt prepayment penalties of      $1,511. The penalties were incurred when we repaid a $20,000 structured      repurchase agreement prior to maturity. The rate on this agreement was set      to reprice to 4.83% in August2009. |
|--|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | The      increase in personnel expense of $2,526, or 5.5%, was a result of an      increase in salaries of $2,746, or 8.2%, stock-based compensation expense      of $578, or 43.2%, and a decline in deferred personnel costs of $148, or      11.7%, offset by lower incentives of $695, or 26.9%, and severance of      $346. The increase in salaries was due in part to the full year of the      Chicago region, compared to approximately 8 1⁄2 months in 2007, additional      staffing in loan collections and related areas, 2008 pay rate increases      and a lower vacancy rate because of a low rate of personnel turnover. The      increase in stock based compensation expense included $193 of forfeiture      adjustments. At December 31, 2008, we had 870 FTEs compared to 848 FTEs in      2007. |
|--|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Loan      and OREO expenses increased $2,213, or 390.3%. This increase is attributed      to higher levels of OREO and related expenses, expenses incurred in      connection with loan workout and collection activities, and loan portfolio      management expenses, such as the cost of obtaining new appraisals on real      estate securing some of our commercial real estate  loans. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | Occupancy      expenses increased $949, or 10.1%, due to the full year of the Chicago      locations, increases in building maintenance and repairs, and higher      utilities. |
|--|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Fraud      and other losses increased $697, or 124.7%, due primarily to higher check      kiting losses. |
|--------|--------|----------------------------------------------------------------------------------------------------------|

|   | · | Sales      and franchise taxes increased $684, or 62.2%, due to increases in Kentucky      and Ohio franchise taxes because of a change in apportionment ratios      resulting from the Prairie acquisition, coupled with sales tax liabilities      resulting from an audit by the Indiana Department of    Revenue. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | Communication      and transportation expenses increased $542, or 12.0%, due primarily to an      increase of $475 in telephone expense related to a data line upgrade that      included start up costs and a short period of time where both expense from      the old and new lines was being incurred, as well as, the addition of two      new locations and a full year of expense in  Chicago. |
|--|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Software      expense increased $448, or 22.1%, because of additional investments in      remote branch capture, treasury management, account opening, budgeting and      payroll processing software andmaintenance. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Processing      expense increased $397, or 16.1%, primarily in the areas of ATM and debit      card processing, in large part due to the impact of a full year of expense      from the Chicago region, coupled with higher debit card costs attributed      to higher levels of debit cardusage. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

|                                                  |   | 2009                 |    |
|-------------------------------------------------------|--------|----------------------|---------|
| Three      months ended                               |   | December      31 (5) |    |   | September      30 |   |   | June      30 |   |   | March      31 |   |
|                                                  |   |                 |    |   |   |   |   |   |   |   |   |   |
| Interest      income                                  |   | $                    | 27,322  |   |   | $ | 29,202 |   |   | $ | 31,799 |   |   | $ | 33,143 |   |
| Interest      expense                                 |   |                 | 11,593  |   |   |   | 13,152 |   |   |   | 15,025 |   |   |   | 15,660 |   |
| Net      interest income                              |   |                 | 15,729  |   |   |   | 16,050 |   |   |   | 16,774 |   |   |   | 17,483 |   |
| Provision      for loan losses                        |   |                 | 30,525  |   |   |   | 18,913 |   |   |   | 32,536 |   |   |   | 31,394 |   |
| Non-interest      income                              |   |                 | 13,833  |   |   |   | 14,827 |   |   |   | (10,984 | )(1) |   |   | 5,492 |   |
| Non-interest      expense                             |   |                 | 23,158  |   |   |   | 24,369 |   |   |   | 29,169 |   |   |   | 29,473 |   |
| Income      (Loss) before income taxes                |   |                 | (24,121 | ) |   |   | (12,405 | ) |   |   | (55,915 | ) |   |   | (37,892 | ) |
| Income      taxes (benefits)                          |   |                 | 70,802  |   |   |   | 7,330 | (4) |   |   | (7,451 | ) |   |   | (9,831 | ) |
| NET      INCOME (LOSS)                                |   |                 | (94,923 | ) |   |   | (19,735 | ) |   |   | (48,464 | ) |   |   | (28,061 | ) |
| Preferred      stock dividends and discount accretion |   |                 | 1,129   |   |   |   | 1,117 |   |   |   | 1,139 |   |   |   | 413 |   |
| NET      INCOME (LOSS) AVAILABLE                      |   |                 |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| TO      COMMON SHAREHOLDERS                           |   | $                    | (96,052 | ) |   | $ | (20,852 | ) |   | $ | (49,603 | ) |   | $ | (28,474 | ) |
|                                                  |   |                 |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Earnings      (Loss) per share:                       |   |                 |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Basic                                                 |   | $                    | (4.64   | ) |   | $ | (1.01 | ) |   | $ | (2.39 | ) |   | $ | (1.37 | ) |
| Diluted                                               |   |                 | (4.64   | ) |   |   | (1.01 | ) |   |   | (2.39 | ) |   |   | (1.37 | ) |
|                                                  |   |                 |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Average      shares:                                  |   |                 |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Basic                                                 |   |                 | 20,685  |   |   |   | 20,707 |   |   |   | 20,715 |   |   |   | 20,732 |   |
| Diluted                                               |   |                 | 20,685  |   |   |   | 20,707 |   |   |   | 20,715 |   |   |   | 20,732 |   |

|                                   |   | 2008                 |     |
|----------------------------------------|--------|----------------------|----------|
| Three      months ended                |   | December      31 (5) |     |   | September      30 |   |   | June      30 |   |   | March      31 |   |
|                                   |   |                 |     |   |   |   |   |   |   |   |   |   |
| Interest      income                   |   | $                    | 40,244   |   |   | $ | 42,305 |   |   | $ | 43,260 |   |   | $ | 47,091 |   |
| Interest      expense                  |   |                 | 18,807   |   |   |   | 18,445 |   |   |   | 18,094 |   |   |   | 23,573 |   |
| Net      interest income               |   |                 | 21,437   |   |   |   | 23,860 |   |   |   | 25,166 |   |   |   | 23,518 |   |
| Provision      for loan losses         |   |                 | 38,169   |   |   |   | 17,978 |   |   |   | 6,003 |   |   |   | 3,634 |   |
| Non-interest      income               |   |                 | 5,759    |   |   |   | 10,184 |   |   |   | 3,012 | (2) |   |   | 10,734 |   |
| Non-interest      expense              |   |                 | 99,568   |   |   |   | 72,187 | (3) |   |   | 24,177 |   |   |   | 24,121 |   |
| Income      (loss) before income taxes |   |                 | (110,541 | ) |   |   | (56,121 | ) |   |   | (2,002 | ) |   |   | 6,497 |   |
| Income      taxes (benefits)           |   |                 | (28,919  | ) |   |   | (22,794 | ) |   |   | (1,103 | ) |   |   | 1,524 |   |
| NET      INCOME (LOSS)                 |   | $                    | (81,622  | ) |   | $ | (33,327 | ) |   | $ | (899 | ) |   | $ | 4,973 |   |
|                                   |   |                 |     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Earnings      per share:               |   |                 |     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Basic                                  |   | $                    | (3.97    | ) |   | $ | (1.62 | ) |   | $ | (0.04 | ) |   | $ | 0.24 |   |
| Diluted                                |   |                 | (3.97    | ) |   |   | (1.62 | ) |   |   | (0.04 | ) |   |   | 0.24 |   |
|                                   |   |                 |     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Average      shares:                   |   |                 |     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Basic                                  |   |                 | 20,569   |   |   |   | 20,567 |   |   |   | 20,554 |   |   |   | 20,537 |   |
| Diluted                                |   |                 | 20,569   |   |   |   | 20,567 |   |   |   | 20,554 |   |   |   | 20,544 |   |

----

----

| SECURITIES      AVAILABLE FOR SALE        |   | December      31, |    |
|-------------------------------------------|--------|-------------------|---------|
| (At      Fair Value)                      |   | 2009              |    |   | 2008 |   |
| U.S.      Treasuries                      |   | $                 | 8,833   |   |   | $ | - |   |
| U.S.      Government agencies             |   |              | 279     |   |   |   | 761 |   |
| Collateralized      Mortgage Obligations: |   |              |    |   |   |   |   |   |
| Agency                                    |   |              | 118,431 |   |   |   | 274,076 |   |
| Private      Label                        |   |              | 23,229  |   |   |   | 28,610 |   |
| Mortgage-backed      securities           |   |              | 167,232 |   |   |   | 131,253 |   |
| Trust      Preferred                      |   |              | 10,038  |   |   |   | 28,401 |   |
| State      & political subdivisions   |   |              | 25,040  |   |   |   | 90,028 |   |
| Other      securities                     |   |              | 8,637   |   |   |   | 8,610 |   |
|                                      |   |              |    |   |   |   |   |   |
| Total                                     |   | $                 | 361,719 |   |   | $ | 561,739 |   |

| Available for Sale    Securities |   | Fair Value |    |
|----------------------------------|--------|------------|---------|
|                             |   |       |    |
| Due      in one year or less     |   | $          | 12,955  |   |
| Due      from one to five years  |   |       | 106,250 |   |
| Due      from five to ten years  |   |       | 119,044 |   |
| Due      after ten years         |   |       | 123,470 |   |
|  Total                      |   | $          | 361,719 |   |

| SECURITIES      HELD FOR TRADING |   |                   |   |
|----------------------------------|--------|------------------------|--------|
| (At Fair Value)                  |   | December      31, 2009 |   |
| Trust      Preferred             |   | $                      | 36     |   |
| U.      S. Treasury Notes        |   |                   | -      |   |
| Total                            |   | $                      | 36     |   |

----

----

----

| LOAN      PORTFOLIO AT YEAR END                                                                           |   |   |      |   |   |   |      |   |   |   |      |   |   |   |      |
|-----------------------------------------------------------------------------------------------------------|--------|--------|-----------|--------|--------|--------|-----------|--------|--------|--------|-----------|--------|--------|--------|-----------|
|                                                                                                      |   |   |      |   |   |   |      |   |   |   |      |   |   |   |      |
|                                                                                                      |   | 2009   |      |   | 2008   |   |      | 2007   |   |   | 2006      |   |   | 2005   |      |
| Commercial,      industrial and agricultural loans                                                        |   | $      | 602,606   |   |   | $      | 748,446   |   |   | $      | 689,504   |   |   | $      | 568,841   |   |   | $ | 572,936 |   |
| Economic      development loans and other obligations of state and political      subdivisions            |   |   | 14,773    |   |   |   | 24,502    |   |   |   | 7,227     |   |   |   | 7,179     |   |   |   | 8,422 |   |
| Lease      financing                                                                                      |   |   | 5,579     |   |   |   | 5,397     |   |   |   | 5,291     |   |   |   | 5,495     |   |   |   | 5,740 |   |
| Commercial      mortgages                                                                                 |   |   | 583,123   |   |   |   | 436,336   |   |   |   | 298,151   |   |   |   | 180,249   |   |   |   | 180,907 |   |
| Construction      and development                                                                         |   |   | 382,068   |   |   |   | 641,460   |   |   |   | 609,858   |   |   |   | 260,314   |   |   |   | 186,177 |   |
| Residential      mortgages                                                                                |   |   | 232,799   |   |   |   | 309,397   |   |   |   | 380,429   |   |   |   | 436,309   |   |   |   | 447,250 |   |
| Home      equity lines of credit                                                                          |   |   | 162,934   |   |   |   | 171,241   |   |   |   | 145,403   |   |   |   | 132,704   |   |   |   | 135,685 |   |
| Consumer      loans                                                                                       |   |   | 126,466   |   |   |   | 153,464   |   |   |   | 175,516   |   |   |   | 199,887   |   |   |   | 213,079 |   |
| Total      loans                                                                                          |   |   | 2,110,348 |   |   |   | 2,490,243 |   |   |   | 2,311,379 |   |   |   | 1,790,978 |   |   |   | 1,750,196 |   |
| Less:      unearned income                                                                                |   |   | -         |   |   |   | -         |   |   |   | 1         |   |   |   | 2         |   |   |   | 4 |   |
| Loans,      net of unearned income                                                                        |   |   | 2,110,348 |   |   |   | 2,490,243 |   |   |   | 2,311,378 |   |   |   | 1,790,976 |   |   |   | 1,750,192 |   |
|                                                                                                      |   |   |      |   |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |
| Less:      Loans held for sale in probable branch divestiture                                             |   |   | 90,616    |   |   |   | -         |   |   |   | -         |   |   |   | -         |   |   |   | - |   |
|                                                                                                      |   |   |      |   |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |
| Loans,      net of unearned income and loans held for sale in probable      branch  divestiture |   | $      | 2,019,732 |   |   | $      | 2,490,243 |   |   | $      | 2,311,378 |   |   | $      | 1,790,976 |   |   | $ | 1,750,192 |   |

----

| LOAN      MATURITIES AND RATE SENSITIVITIES AT DECEMBER 31, 2009 |   |        |      |   |                   |   |    |
|------------------------------------------------------------------|--------|-------------|-----------|--------|------------------------|--------|---------|
| Total      Loans                                                 |   |        |      |   | After 1 Year |   |    |   |   |   |   |   |
|                                                             |   | Within      |      |   | But      Within        |   |    | Over |   |   |   |   |
| Rate      sensitivities:                                         |   | 1      Year |      |   | 5      Years           |   |    | 5      Years |   |   | Total |   |
|                                                             |   |        |      |   |                   |   |    |   |   |   |   |   |
| Fixed      rate loans                                       |   | $           | 188,407   |   |                   | $      | 470,496 |   |   | $ | 200,444 |   |   | $ | 859,347 |   |
| Variable      rate loans                                         |   |        | 943,647   |   |                   |   | 94,030  |   |   |   | 2,571 |   |   |   | 1,040,248 |   |
|                                                             |   |        |      |   |                   |   |    |   |   |   |   |   |   |   |   |   |
| Subtotal                                                         |   | $           | 1,132,054 |   |                   | $      | 564,526 |   |   | $ | 203,015 |   |   |   | 1,899,595 |   |
|                                                             |   |        |      |   |                   |   |    |   |   |   |   |   |   |   |   |   |
| Percent      of total                                            |   |        | 59.59     | %      |                   |   | 29.72   | % |   |   | 10.69 | % |   |   |   |   |
|                                                             |   |        |      |   |                   |   |    |   |   |   |   |   |   |   |   |   |
| Nonaccrual      loans                                            |   |        |      |   |                   |   |    |   |   |   |   |   |   |   | 210,753 |   |
|                                                             |   |        |      |   |                   |   |    |   |   |   |   |   |   |   |   |   |
| Total      loans                                                 |   |        |      |   |                   |   |    |   |   |   |   |   |   | $ | 2,110,348 |   |

|                                                                                           |   |        |    |   | After 1 Year |   |    |         |   |   |   |   |
|------------------------------------------------------------------------------------------------|--------|-------------|---------|--------|------------------------|--------|---------|--------------|--------|--------|--------|--------|
|                                                                                           |   | Within      |    |   | But      Within        |   |    | Over         |   |   |   |   |
|                                                                                           |   | 1      Year |    |   | 5      Years           |   |    | 5      Years |   |   | Total  |   |
| Commercial,      industrial and agriculture loans                                              |   | $           | 302,701 |   |                   | $      | 252,691 |         |   | $      | 28,096 |   |   | $ | 583,488 |   |
| Economic      development loans and other obligations of state and political      subdivisions |   |        | 6,534   |   |                   |   | 7,797   |         |   |   | 440    |   |   |   | 14,771 |   |
| Construction      and development                                                              |   |        | 246,452 |   |                   |   | 40,528  |         |   |   | 16     |   |   |   | 286,996 |   |
| Total                                                                                          |   | $           | 555,687 |   |                   | $      | 301,016 |         |   | $      | 28,552 |   |   | $ | 885,255 |   |
|                                                                                           |   |        |    |   |                   |   |    |         |   |   |   |   |   |   |   |   |
| Fixed      rate                                                                                |   | $           | 108,598 |   |                   | $      | 279,681 |         |   | $      | 27,684 |   |   | $ | 415,963 |   |
| Variable      rate                                                                             |   |        | 447,089 |   |                   |   | 21,335  |         |   |   | 868    |   |   |   | 469,292 |   |
|                                                                                           |   |        |    |   |                   |   |    |         |   |   |   |   |   |   |   |   |
| Subtotal                                                                                       |   | $           | 555,687 |   |                   | $      | 301,016 |         |   | $      | 28,552 |   |   |   | 885,255 |   |
|                                                                                           |   |        |    |   |                   |   |    |         |   |   |   |   |   |   |   |   |
| Percent      of total                                                                          |   |        | 62.77   | %      |                   |   | 34.00   | %            |   |   | 3.23   | %      |   |   |   |   |
|                                                                                           |   |        |    |   |                   |   |    |         |   |   |   |   |   |   |   |   |
| Nonaccrual      loans                                                                          |   |        |    |   |                   |   |    |         |   |   |   |   |   |   | 114,192 |   |
|                                                                                           |   |        |    |   |                   |   |    |         |   |   |   |   |   |   |   |   |
| Total                                                                                          |   |        |    |   |                   |   |    |         |   |   |   |   |   | $ | 999,447 |   |

----

| NON-PERFORMING      ASSETS AT YEAR END            |   |   |    |   |   |   |    |   |   |   |   |   |   |   |   |
|---------------------------------------------------|--------|--------|---------|--------|--------|--------|---------|--------|--------|--------|--------|--------|--------|--------|--------|
|                                              |   | 2009   |    |   | 2008   |   |    | 2007   |   |   | 2006   |   |   | 2005   |   |
| Non-performing      loans:                        |   |   |    |   |   |   |    |   |   |   |   |   |   |   |   |
|                                              |   |   |    |   |   |   |    |   |   |   |   |   |   |   |   |
| Nonaccrual                                        |   | $      | 210,753 |   |   | $      | 150,002 |   |   | $      | 18,549 |   |   | $      | 8,625  |   |   | $ | 25,013 |   |
| 90      days past due and still accruing interest |   |   | 4,127   |   |   |   | 897     |   |   |   | 4,118  |   |   |   | 228    |   |   |   | 40 |   |
|                                              |   |   |    |   |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total      non-performing loans                   |   |   | 214,880 |   |   |   | 150,899 |   |   |   | 22,667 |   |   |   | 8,853  |   |   |   | 25,053 |   |
|                                              |   |   |    |   |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Trust      preferred held for trading             |   |   | 36      |   |   |   | -       |   |   |   | -      |   |   |   | -      |   |   |   | - |   |
| Other      real estate owned (OREO)               |   |   | 31,982  |   |   |   | 19,396  |   |   |   | 2,923  |   |   |   | 936    |   |   |   | 440 |   |
|                                              |   |   |    |   |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total      non-performing assets                  |   | $      | 246,898 |   |   | $      | 170,295 |   |   | $      | 25,590 |   |   | $      | 9,789  |   |   | $ | 25,493 |   |

----

----

----

|  | · | We      continued to obtain new appraisals on properties securing our CRE      non-performing loans and used those appraisals to help determine any      specific reserves within the allowance for loan losses. As we receive new      appraisals on properties securing non-performing loans, we recognize      charge-offs, and adjust specific reserves as  appropriate. |
|--|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | We      reorganized our Chicago staff and have dedicated additional resources to      reducing the Chicago portfolio. |
|--|--------|-----------------------------------------------------------------------------------------------------------------------|

|  | · | We      shifted the credit analysis effort for our Chicago portfolio from Chicago      to our centralized Business Service Center in  Evansville. |
|--|--------|---------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | We      are exiting the CRE lending line of business, and have closed and      consolidated our Nashville, Louisville and Cleveland CRE LPOs into our      Cincinnati-based CRE group. We offered a discount to some of our CRE      customers in exchange for early repayment in an effort to reduce our CRE      balances. |
|--|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | · | We      have added additional loan workout specialists to our Chicago and CRE      group and transitioned our relationship managers to assist with orderly      exit strategy similar to our ChicagoPlan. |
|--|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| SUMMARY      OF LOAN LOSS EXPERIENCE (ANALYSIS OF THE ALLOWANCE FOR LOAN      LOSSES) |   |
|---------------------------------------------------------------------------------------|--------|
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                  |   | 2009 |   |   | 2008 |   |   | 2007 |   |   | 2006 |   |   | 2005 |   |
| Allowance      for loan losses, January 1                                             |   | $ | 64,437 |   |   | $ | 27,261 |   |   | $ | 21,155 |   |   | $ | 24,392 |   |   | $ | 23,794 |   |
| Allowance      associated with purchase acquisitions                                  |   |   | - |   |   |   | - |   |   |   | 5,982 |   |   |   | - |   |   |   | - |   |
| Loans      charged off:                                                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commercial,      industrial and agriculture                                           |   |   | 41,211 |   |   |   | 8,338 |   |   |   | 1,244 |   |   |   | 21,509 |   |   |   | 3,461 |   |
| Commercial      mortgages                                                             |   |   | 10,991 |   |   |   | 3,257 |   |   |   | 54 |   |   |   | 66 |   |   |   | 620 |   |
| Construction      and development                                                     |   |   | 30,774 |   |   |   | 12,368 |   |   |   | 200 |   |   |   | - |   |   |   | - |   |
| Residential      mortgages                                                            |   |   | 2,483 |   |   |   | 1,485 |   |   |   | 797 |   |   |   | 704 |   |   |   | 589 |   |
| Home      Equity                                                                      |   |   | 1,378 |   |   |   | 352 |   |   |   | 246 |   |   |   | 397 |   |   |   | 130 |   |
| Consumer                                                                              |   |   | 4,615 |   |   |   | 4,412 |   |   |   | 2,900 |   |   |   | 2,665 |   |   |   | 1,818 |   |
| Total                                                                                 |   |   | 91,452 |   |   |   | 30,212 |   |   |   | 5,441 |   |   |   | 25,341 |   |   |   | 6,618 |   |
| Recoveries      on charged off loans:                                                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commercial,      industrial and agriculture                                           |   |   | 551 |   |   |   | 280 |   |   |   | 315 |   |   |   | 633 |   |   |   | 621 |   |
| Commercial      mortgages                                                             |   |   | 115 |   |   |   | 20 |   |   |   | 18 |   |   |   | 174 |   |   |   | 32 |   |
| Construction      and development                                                     |   |   | 83 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |
| Residential      mortgages                                                            |   |   | 351 |   |   |   | 184 |   |   |   | 154 |   |   |   | 171 |   |   |   | 166 |   |
| Home      Equity                                                                      |   |   | 137 |   |   |   | 11 |   |   |   | 105 |   |   |   | 41 |   |   |   | 64 |   |
| Consumer                                                                              |   |   | 1,080 |   |   |   | 1,109 |   |   |   | 780 |   |   |   | 791 |   |   |   | 569 |   |
| Total                                                                                 |   |   | 2,317 |   |   |   | 1,604 |   |   |   | 1,372 |   |   |   | 1,810 |   |   |   | 1,452 |   |
| Net      charge-offs                                                                  |   |   | 89,135 |   |   |   | 28,608 |   |   |   | 4,069 |   |   |   | 23,531 |   |   |   | 5,166 |   |
| Provision      for loan losses                                                        |   |   | 113,368 |   |   |   | 65,784 |   |   |   | 4,193 |   |   |   | 20,294 |   |   |   | 5,764 |   |
| Allowance      for loan losses, December 31                                           |   | $ | 88,670 |   |   | $ | 64,437 |   |   | $ | 27,261 |   |   | $ | 21,155 |   |   | $ | 24,392 |   |
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total      loans at year-end, net of unearned income                                  |   | $ | 2,110,348 |   |   | $ | 2,490,243 |   |   | $ | 2,311,378 |   |   | $ | 1,790,976 |   |   | $ | 1,750,192 |   |
| Average      loans                                                                    |   |   | 2,338,919 |   |   |   | 2,407,677 |   |   |   | 2,128,551 |   |   |   | 1,782,918 |   |   |   | 1,688,547 |   |
| Total      non-performing loans                                                       |   |   | 214,880 |   |   |   | 150,899 |   |   |   | 22,667 |   |   |   | 8,853 |   |   |   | 25,053 |   |
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net      charge-offs to average loans                                                 |   |   | 3.81 | % |   |   | 1.19 | % |   |   | 0.19 | % |   |   | 1.32 | % |   |   | 0.31 | % |
| Provision      for loan losses to average loans                                       |   |   | 4.85 |   |   |   | 2.73 |   |   |   | 0.20 |   |   |   | 1.14 |   |   |   | 0.34 |   |
| Allowance      for loan losses to loans                                               |   |   | 4.20 | * |   |   | 2.59 |   |   |   | 1.18 |   |   |   | 1.18 |   |   |   | 1.39 |   |
| Allowance      for loan losses to non-performing loans                                |   |   | 41.26 |   |   |   | 42.70 |   |   |   | 120.27 |   |   |   | 238.96 |   |   |   | 97.36 |   |

----

|                                                                                           |   | Allowance      Applicable to |   |   | Percent      of Loans to Total Gross Loans |   |
|------------------------------------------------------------------------------------------------|--------|------------------------------|--------|--------|--------------------------------------------|--------|
| Loan      Type                                                                                 |   | 2009                         |   |   | 2008                                       |   |   | 2007 |   |   | 2006 |   |   | 2005 |   |   | 2009 |   |   | 2008 |   |   | 2007 |   |   | 2006 |   |   | 2005 |   |
|                                                                                           |   |                         |   |   |                                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commercial,      industrial                                                                    |   | $                            | 14,551 |   |                                       | $      | 17,675 |   |   | $ | 8,060 |   |   | $ | 7,337 |   |   | $ | 11,713 |   |   |   | 28 | % |   |   | 30 | % |   |   | 30 | % |   |   | 32 | % |   |   | 33 | % |
| and      agriculture                                                                           |   |                         |   |   |                                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Economic      development loans state and political and other obligations of      subdivisions |   |                         | -      |   |                                       |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1 | % |   |   | 1 | % |   |   | - |   |   |   | - |   |   |   | - |   |
| Lease      financing                                                                           |   |                         | 612    |   |                                       |   | 1 |   |   |   | 1 |   |   |   | 1 |   |   |   | 56 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |
| Commercial      mortgages                                                                      |   |                         | 30,154 |   |                                       |   | 9,274 |   |   |   | 3,076 |   |   |   | 1,804 |   |   |   | 2,173 |   |   |   | 28 | % |   |   | 18 | % |   |   | 13 | % |   |   | 10 | % |   |   | 10 | % |
| Construction      and                                                                          |   |                         |   |   |                                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| development                                                                                    |   |                         | 21,562 |   |                                       |   | 22,038 |   |   |   | 7,150 |   |   |   | 2,537 |   |   |   | 1,904 |   |   |   | 18 | % |   |   | 26 | % |   |   | 26 | % |   |   | 15 | % |   |   | 11 | % |
| Residential      mortgages                                                                     |   |                         | 3,942  |   |                                       |   | 3,083 |   |   |   | 3,287 |   |   |   | 3,688 |   |   |   | 4,105 |   |   |   | 11 | % |   |   | 12 | % |   |   | 17 | % |   |   | 24 | % |   |   | 26 | % |
| Home      equity                                                                               |   |                         | 2,449  |   |                                       |   | 1,776 |   |   |   | 1,082 |   |   |   | 1,172 |   |   |   | 885 |   |   |   | 8 | % |   |   | 7 | % |   |   | 6 | % |   |   | 8 | % |   |   | 8 | % |
| Consumer                                                                                       |   |                         | 6,523  |   |                                       |   | 4,655 |   |   |   | 3,963 |   |   |   | 3,434 |   |   |   | 3,246 |   |   |   | 6 | % |   |   | 6 | % |   |   | 8 | % |   |   | 11 | % |   |   | 12 | % |
|                                                                                           |   |                         |   |   |                                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Allocated                                                                                      |   |                         | 79,793 |   |                                       |   | 58,502 |   |   |   | 26,619 |   |   |   | 19,973 |   |   |   | 24,082 |   |   |   | 100 | % |   |   | 100 | % |   |   | 100 | % |   |   | 100 | % |   |   | 100 | % |
|                                                                                           |   |                         |   |   |                                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Unallocated                                                                                    |   |                         | 8,877  |   |                                       |   | 5,935 |   |   |   | 642 |   |   |   | 1,182 |   |   |   | 310 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                           |   |                         |   |   |                                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total                                                                                          |   | $                            | 88,670 |   |                                       | $      | 64,437 |   |   | $ | 27,261 |   |   | $ | 21,155 |   |   | $ | 24,392 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

| TIME      DEPOSITS OF $100 OR MORE AT DECEMBER 31, 2009 |   |
|---------------------------------------------------------|--------|
| Maturing:                                               |   |   |   |
| 3      months or less                                   |   | $ | 122,716 |   |
| Over      3 to 6 months                                 |   |   | 86,147 |   |
| Over      6 to 12 months                                |   |   | 163,686 |   |
| Over      12 months                                     |   |   | 251,121 |   |
|                                                    |   |   |   |   |
| Total                                                   |   | $ | 623,670 |   |

----

| As      of December 31, 2009                  |   |   |      |   | Less      than |   |    | 1      to 3 |   |   | 3      to 5 |   |   | After      5 |    |
|-----------------------------------------------|--------|--------|-----------|--------|----------------|--------|---------|-------------|--------|--------|-------------|--------|--------|--------------|---------|
|                                          |   | Total  |      |   | One      Year  |   |    | Years       |   |   | Years       |   |   | Years        |    |
| Contractual      On Balance Sheet Obligations |   |   |      |   |           |   |    |        |   |   |        |   |   |         |    |
| Time      Deposits                            |   | $      | 1,085,679 |   |           | $      | 691,011 |        |   | $      | 336,209     |   |   | $            | 27,203  |   |   | $ | 31,256 |   |
| Long-term      debt                           |   |   | 361,071   |   |           |   | 13,224  |        |   |   | 133,793     |   |   |         | 114,000 |   |   |   | 100,054 |   |
| Operating      leases                         |   |   | 14,586    |   |           |   | 1,879   |        |   |   | 3,124       |   |   |         | 2,612   |   |   |   | 6,971 |   |
| Total      contractual cash obligations       |   | $      | 1,461,336 |   |           | $      | 706,114 |        |   | $      | 473,126     |   |   | $            | 143,815 |   |   | $ | 138,281 |   |
|                                          |   |   |      |   |           |   |    |        |   |   |        |   |   |         |    |   |   |   |   |   |
| Off      Balance Sheet Obligations            |   |   |      |   |           |   |    |        |   |   |        |   |   |         |    |   |   |   |   |   |
| Lines      of credit                          |   | $      | 326,279   |   |           | $      | 180,170 |        |   | $      | 24,097      |   |   | $            | 2,178   |   |   | $ | 119,834 |   |
| Standby      letters of credit                |   |   | 20,433    |   |           |   | 11,631  |        |   |   | 8,802       |   |   |         | -       |   |   |   | - |   |
| Other      commitments                        |   |   | 116,171   |   |           |   | 59,248  |        |   |   | 54,435      |   |   |         | 1,876   |   |   |   | 612 |   |
| Total      other commitments                  |   | $      | 462,883   |   |           | $      | 251,049 |        |   | $      | 87,334      |   |   | $            | 4,054   |   |   | $ | 120,446 |   |

----

----

|   | · | Exiting      our CRE lending line of business; |
|--------|--------|------------------------------------------------|

|   | · | Narrowing      our geographic operating footprint through the sale of multiple branch      clusters; |
|--------|--------|------------------------------------------------------------------------------------------------------|

|   | · | Selling      performing and nonperforming loans; |
|--------|--------|--------------------------------------------------|

|   | · | Reducing      risk weighted assets while maintaining adequate levels of liquidity and      improving our credit quality measures;and |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Reducing      our cost structures to match our core earning capacity and return to      profitability. |
|--------|--------|--------------------------------------------------------------------------------------------------------|

----

----

|                   |   | Estimated Change in EAR from the Base Interest      Rate Scenario |   |
|------------------------|--------|-------------------------------------------------------------------|--------|
|                   |   | -200 basis points                                                 |   |   | -100 basis points |   |   | +200 basis points |   |
| December      31, 2009 |   |                                                              | -12.00 | % |   |   | -4.80 | % |   |   | 7.96 | % |
| December      31, 2008 |   |                                                              | -12.63 | % |   |   | -5.72 | % |   |   | 4.35 | % |

|                   |   | Estimated Change in EVE from the Base Interest Rate Scenario |   |
|------------------------|--------|-----------------------------------------------------------------------------------------------------------|--------|
|                   |   | -200 basis points                                                                               |   |   | -100 basis points |   |   | +200 basis points |   |
| December      31, 2009 |   |                                                                                                      | -4.43  | % |   |   | -2.01 | % |   |   | 0.81 | % |
| December      31, 2008 |   |                                                                                                      | -13.35 | % |   |   | -6.07 | % |   |   | 0.57 | % |

----

|   | · | Pertain      to the maintenance of records that in reasonable detail accurately and      fairly reflect the transactions and dispositions of our      assets; |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Provide      reasonable assurance that transactions are recorded as necessary to permit      preparation of financial statements in accordance with U.S. generally      accepted accounting principles, and that our receipts and expenditures are      being made only in accordance with authorizations of our management and      directors; and |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Provide      reasonable assurance regarding prevention or timely detection of      unauthorized acquisition, use or disposition of our assets that could have      a material effect on the financialstatements. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| /s/ Michael J. Alley             |         | /s/ Michael B. Carroll            |   |
|----------------------------------|--------------|-----------------------------------|--------|
| Chairman      of the Board       |         | Executive      Vice President and |   |
| and      Chief Executive Officer |    | Chief      Financial Officer      |   |

----

| /s/      Crowe Horwath LLP |
|----------------------------|

----

|                                                                          |   | December 31, |      |
|-------------------------------------------------------------------------------|--------|-------------------|-----------|
|                                                                          |   | 2009              |      |   | 2008 |   |
| ASSETS                                                                        |   |              |      |   |   |   |
| Cash      and due from banks                                                  |   | $                 | 304,921   |   |   | $ | 62,354 |   |
| Federal      funds sold and other short-term investments                      |   |              | 49,653    |   |   |   | 419 |   |
| Total      cash and cash equivalents                                          |   |              | 354,574   |   |   |   | 62,773 |   |
| Loans      held for sale (at lower of cost or fair value)                     |   |              | 93,572    |   |   |   | 5,776 |   |
| Securities      available for sale                                            |   |              | 361,719   |   |   |   | 561,739 |   |
| Securities      held for trading                                              |   |              | 36        |   |   |   | - |   |
| Regulatory      stock                                                         |   |              | 29,124    |   |   |   | 29,155 |   |
| Loans,      net of unearned income                                            |   |              | 2,019,732 |   |   |   | 2,490,243 |   |
| Less:  Allowance      for loan losses                               |   |              | (88,670   | ) |   |   | (64,437 | ) |
| Net      loans                                                                |   |              | 1,931,062 |   |   |   | 2,425,806 |   |
| Premises      and equipment                                                   |   |              | 37,814    |   |   |   | 48,500 |   |
| Premises      and equipment held for sale                                     |   |              | 4,249     |   |   |   | - |   |
| Other      intangible assets                                                  |   |              | 8,242     |   |   |   | 9,928 |   |
| Other      assets                                                             |   |              | 101,549   |   |   |   | 213,423 |   |
| TOTAL      ASSETS                                                             |   | $                 | 2,921,941 |   |   | $ | 3,357,100 |   |
|                                                                          |   |              |      |   |   |   |   |   |
| LIABILITIES                                                                   |   |              |      |   |   |   |   |   |
| Deposits:                                                                     |   |              |      |   |   |   |   |   |
| Non-interest-bearing      demand                                              |   | $                 | 263,530   |   |   | $ | 284,032 |   |
| Non-interest-bearing      held for sale                                       |   |              | 7,319     |   |   |   | - |   |
| Interest-bearing                                                              |   |              | 2,004,369 |   |   |   | 2,056,160 |   |
| Interest-bearing      held for sale                                           |   |              | 89,888    |   |   |   | - |   |
| Total      deposits                                                           |   |              | 2,365,106 |   |   |   | 2,340,192 |   |
| Short-term      borrowings                                                    |   |              | 62,114    |   |   |   | 415,006 |   |
| Long-term      borrowings                                                     |   |              | 361,071   |   |   |   | 360,917 |   |
| Other      liabilities                                                        |   |              | 31,304    |   |   |   | 36,194 |   |
| TOTAL      LIABILITIES                                                        |   |              | 2,819,595 |   |   |   | 3,152,309 |   |
|                                                                          |   |              |      |   |   |   |   |   |
| Commitments      and contingent liabilities (Note 17)                         |   |              | -         |   |   |   | - |   |
|                                                                          |   |              |      |   |   |   |   |   |
| SHAREHOLDERS'      EQUITY                                                     |   |              |      |   |   |   |   |   |
| Preferred      stock - no par, $1,000 per share liquidation preference:       |   |              |      |   |   |   |   |   |
| Shares      authorized: 1,000,000                                             |   |              |      |   |   |   |   |   |
| Shares      outstanding: 83,586                                               |   |              | 82,011    |   |   |   | - |   |
| Common      stock - $1.00 stated value:                                       |   |              |      |   |   |   |   |   |
| Shares      authorized: 129,000,000                                           |   |              |      |   |   |   |   |   |
| Shares      outstanding:  20,847,589 and 20,748,880    respectively |   |              | 20,848    |   |   |   | 20,749 |   |
| Additional      paid-in capital                                               |   |              | 216,939   |   |   |   | 208,732 |   |
| Retained      earnings                                                        |   |              | (210,371  | ) |   |   | (15,754 | ) |
| Accumulated      other comprehensive income (loss)                            |   |              | (7,081    | ) |   |   | (8,936 | ) |
| TOTAL      SHAREHOLDERS' EQUITY                                               |   |              | 102,346   |   |   |   | 204,791 |   |
| TOTAL      LIABILITIES AND SHAREHOLDERS' EQUITY                               |   | $                 | 2,921,941 |   |   | $ | 3,357,100 |   |

----

|                                                                 |   | Year Ended December 31, |     |
|----------------------------------------------------------------------|--------|----------------------------------------|----------|
|                                                                 |   | 2009                                   |     |   | 2008 |   |   | 2007 |   |
| INTEREST    INCOME                                                   |   |                                   |     |   |   |   |   |   |   |
| Interest and fees on      loans:                                     |   |                                   |     |   |   |   |   |   |   |
| Taxable                                                              |   | $                                      | 98,414   |   |   | $ | 142,502 |   |   | $ | 160,026 |   |
| Tax-exempt                                                           |   |                                   | 771      |   |   |   | 493 |   |   |   | 393 |   |
| Interest and dividends on      securities:                           |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Taxable                                                              |   |                                   | 17,018   |   |   |   | 23,581 |   |   |   | 24,588 |   |
| Tax-exempt                                                           |   |                                   | 2,657    |   |   |   | 4,581 |   |   |   | 5,167 |   |
| Interest on securities held for      trading                         |   |                                   | 161      |   |   |   | - |   |   |   | - |   |
| Dividends on regulatory      stock                                   |   |                                   | 1,184    |   |   |   | 1,273 |   |   |   | 1,286 |   |
| Interest on loans held for      sale                                 |   |                                   | 516      |   |   |   | 366 |   |   |   | 235 |   |
| Interest on federal funds sold and      other short-term investments |   |                                   | 745      |   |   |   | 104 |   |   |   | 225 |   |
| Total interest      income                                           |   |                                   | 121,466  |   |   |   | 172,900 |   |   |   | 191,920 |   |
|                                                                 |   |                                   |     |   |   |   |   |   |   |   |   |   |
| INTEREST      EXPENSE                                                |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Interest on      deposits                                            |   |                                   | 43,221   |   |   |   | 55,663 |   |   |   | 73,742 |   |
| Interest on short-term      borrowings                               |   |                                   | 1,682    |   |   |   | 7,563 |   |   |   | 9,431 |   |
| Interest on long-term      borrowings                                |   |                                   | 10,527   |   |   |   | 15,693 |   |   |   | 15,498 |   |
| Total interest      expense                                          |   |                                   | 55,430   |   |   |   | 78,919 |   |   |   | 98,671 |   |
|                                                                 |   |                                   |     |   |   |   |   |   |   |   |   |   |
| NET INTEREST      INCOME                                             |   |                                   | 66,036   |   |   |   | 93,981 |   |   |   | 93,249 |   |
| Provision for loan      losses                                       |   |                                   | 113,368  |   |   |   | 65,784 |   |   |   | 4,193 |   |
| Net interest income after      provision for loan losses             |   |                                   | (47,332  | ) |   |   | 28,197 |   |   |   | 89,056 |   |
| NON-INTEREST      INCOME                                             |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Service charges on deposit      accounts                             |   |                                   | 19,879   |   |   |   | 21,078 |   |   |   | 20,317 |   |
| Other service charges and      fees                                  |   |                                   | 4,137    |   |   |   | 5,139 |   |   |   | 4,662 |   |
| Debit card      income-interchange                                   |   |                                   | 5,361    |   |   |   | 5,258 |   |   |   | 4,379 |   |
| Trustincome                                                          |   |                                   | 2,102    |   |   |   | 2,156 |   |   |   | 2,391 |   |
| Net securities gains      (losses)                                   |   |                                   | 8,060    |   |   |   | 41 |   |   |   | 449 |   |
| Gain on sale of other      assets                                    |   |                                   | 7,220    |   |   |   | (63 | ) |   |   | 642 |   |
| Other than temporary impairment      loss:                           |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Total impairment      losses                                         |   |                                   | (20,334  | ) |   |   | (10,612 | ) |   |   | (2,726 | ) |
| Reclassification of loss from      other comprehensive income        |   |                                   | (1,150   | ) |   |   | - |   |   |   | - |   |
| Net impairment loss recognized in      earnings                      |   |                                   | (21,484  | ) |   |   | (10,612 | ) |   |   | (2,726 | ) |
| Warrant fair value      adjustment                                   |   |                                   | (6,145   | ) |   |   | - |   |   |   | - |   |
| Cash surrender value life      insurance                             |   |                                   | 913      |   |   |   | 2,684 |   |   |   | 2,258 |   |
| Other                                                                |   |                                   | 3,125    |   |   |   | 4,008 |   |   |   | 4,699 |   |
| Total non-interest      income                                       |   |                                   | 23,168   |   |   |   | 29,689 |   |   |   | 37,071 |   |
| NON-INTEREST      EXPENSE                                            |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Salaries and employee      benefits                                  |   |                                   | 42,234   |   |   |   | 48,407 |   |   |   | 45,881 |   |
| Occupancy                                                            |   |                                   | 9,499    |   |   |   | 10,379 |   |   |   | 9,430 |   |
| Equipment                                                            |   |                                   | 3,151    |   |   |   | 3,732 |   |   |   | 3,443 |   |
| Professional      fees                                               |   |                                   | 7,453    |   |   |   | 5,741 |   |   |   | 5,520 |   |
| Communication and      transportation                                |   |                                   | 4,346    |   |   |   | 5,064 |   |   |   | 4,522 |   |
| Processing                                                           |   |                                   | 2,781    |   |   |   | 2,861 |   |   |   | 2,464 |   |
| Software                                                             |   |                                   | 2,549    |   |   |   | 2,476 |   |   |   | 2,028 |   |
| Marketing                                                            |   |                                   | 1,432    |   |   |   | 2,140 |   |   |   | 2,305 |   |
| Loan and OREO      expense                                           |   |                                   | 11,003   |   |   |   | 2,780 |   |   |   | 567 |   |
| FDIC    assessment                                                   |   |                                   | 7,681    |   |   |   | 796 |   |   |   | 301 |   |
| Low income housing project      losses                               |   |                                   | 1,779    |   |   |   | 2,503 |   |   |   | 2,318 |   |
| Building impairment      expense                                     |   |                                   | 1,639    |   |   |   | - |   |   |   | - |   |
| Debt prepayment      penalties                                       |   |                                   | 1,538    |   |   |   | - |   |   |   | - |   |
| Amortization of intangible      assets                               |   |                                   | 1,686    |   |   |   | 1,724 |   |   |   | 1,560 |   |
| Goodwill      impairment                                             |   |                                   | -        |   |   |   | 122,824 |   |   |   | - |   |
| Other                                                                |   |                                   | 7,398    |   |   |   | 8,626 |   |   |   | 7,311 |   |
| Total non-interest      expense                                      |   |                                   | 106,169  |   |   |   | 220,053 |   |   |   | 87,650 |   |
| Income (Loss) before income      taxes                               |   |                                   | (130,333 | ) |   |   | (162,167 | ) |   |   | 38,477 |   |
| Income taxes      (benefit)                                          |   |                                   | 60,850   |   |   |   | (51,292 | ) |   |   | 7,767 |   |
| NET INCOME      (LOSS)                                               |   | $                                      | (191,183 | ) |   | $ | (110,875 | ) |   | $ | 30,710 |   |
| Preferred stock dividends and      discount accretion                |   |                                   | 3,798    |   |   |   | - |   |   |   | - |   |
| Net income (loss) available to      common shareholders              |   | $                                      | (194,981 | ) |   | $ | (110,875 | ) |   | $ | 30,710 |   |

----

|                                      |   | Year Ended December 31, |   |
|-------------------------------------------|--------|----------------------------------------|--------|
|                                      |   | 2009                                   |   |   | 2008 |   |   | 2007 |   |
| Earnings (Loss) per      share:           |   |                                   |   |   |   |   |   |   |   |
| Basic                                     |   | $                                      | (9.42  | ) |   | $ | (5.39 | ) |   | $ | 1.55 |   |
| Diluted                                   |   |                                   | (9.42  | ) |   |   | (5.39 | ) |   |   | 1.55 |   |
|                                      |   |                                   |   |   |   |   |   |   |   |   |   |   |
| Weighted average shares      outstanding: |   |                                   |   |   |   |   |   |   |   |   |   |   |
| Basic                                     |   |                                   | 20,706 |   |   |   | 20,557 |   |   |   | 19,778 |   |
| Diluted                                   |   |                                   | 20,706 |   |   |   | 20,557 |   |   |   | 19,812 |   |

----

|                                                                                                                                       |   | Year Ended December 31, |     |
|--------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------------------|----------|
|                                                                                                                                       |   | 2009                                   |     |   | 2008 |   |   | 2007 |   |
|                                                                                                                                       |   |                                   |     |   |   |   |   |   |   |
| Net      income (Loss)                                                                                                                     |   | $                                      | (191,183 | ) |   | $ | (110,875 | ) |   | $ | 30,710 |   |
|                                                                                                                                       |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Other      comprehensive income (loss), net of tax:                                                                                        |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Unrealized      gain (loss) on securities:                                                                                                 |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Unrealized      gain (loss) arising in period                                                                                              |   |                                   |     |   |   |   |   |   |   |   |   |   |
| (net      of tax of $(4,639), $(6,979), and $(51), respectively)                                                                           |   |                                   | (7,634   | ) |   |   | (11,484 | ) |   |   | (75 | ) |
| Reclassification      of amounts realized through impairment charges and sales (net of tax of      $5,075, $3,996, and $923, respectively) |   |                                   | 8,349    |   |   |   | 6,575 |   |   |   | 1,354 |   |
| Net      unrealized gain (loss) on securities                                                                                              |   |                                   | 715      |   |   |   | (4,909 | ) |   |   | 1,279 |   |
|                                                                                                                                       |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Change      in net pension plan liability                                                                                                  |   |                                   |     |   |   |   |   |   |   |   |   |   |
| (net      of tax of $(785), $330, $(302) respectively)                                                                                     |   |                                   | (1,292   | ) |   |   | 568 |   |   |   | (510 | ) |
| Unrealized      gain (loss) on derivative hedging instruments arising in      period                                                       |   |                                   |     |   |   |   |   |   |   |   |   |   |
| (net      of tax of $(233), $78 and $144, respectively)                                                                                    |   |                                   | (384     | ) |   |   | 155 |   |   |   | 210 |   |
|                                                                                                                                       |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Net      unrealized gain (loss), recognized in other comprehensive income      (loss)                                                      |   |                                   | (961     | ) |   |   | (4,186 | ) |   |   | 979 |   |
|                                                                                                                                       |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Comprehensive      income (loss)                                                                                                           |   | $                                      | (192,144 | ) |   | $ | (115,061 | ) |   | $ | 31,689 |   |

----

|                                                                                                                                                                                                                       |   |      |   |   |           |   |       |   |   |   |       |   |   |     |    |   | Accumulated        |   |     |          |   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------|--------|--------|----------------|--------|------------|--------|--------|--------|------------|--------|--------|----------|---------|--------|--------------------|--------|----------|---------------|--------|
|                                                                                                                                                                                                                       |   |      |   |   | Shares of |   |       |   |   |   | Additional |   |   |     |    |   | Other              |   |     | Total         |   |
|                                                                                                                                                                                                                       |   | Preferred |   |   | Common         |   |       | Common |   |   | Paid-In    |   |   | Retained |    |   | Comprehensive      |   |     | Shareholders' |   |
|                                                                                                                                                                                                                       |   | Stock     |   |   | Stock          |   |       | Stock  |   |   | Capital    |   |   | Earnings |    |   | Income (Loss) |   |     | Equity        |   |
|                                                                                                                                                                                                                       |   |      |   |   |           |   |       |   |   |   |       |   |   |     |    |   |               |   |     |          |   |
| BALANCE      AT JANUARY 1, 2007                                                                                                                                                                                            |   | $         | -      |   |           |   | 17,794,289 |   |   | $      | 17,794     |   |   | $        | 135,054 |   |               | $      | 88,355   |          |   | $ | (5,729 | ) |   | $ | 235,474 |   |
|                                                                                                                                                                                                                       |   |      |   |   |           |   |       |   |   |   |       |   |   |     |    |   |               |   |     |          |   |   |   |   |   |   |   |   |
| Net      income                                                                                                                                                                                                            |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | 30,710   |          |   |   | - |   |   |   | 30,710 |   |
| Cash      dividend declared ($0.71 per share)                                                                                                                                                                              |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | (14,152  | )             |   |   | - |   |   |   | (14,152 | ) |
| Repurchase      of outstanding shares                                                                                                                                                                                      |   |      | -      |   |           |   | (404,450   | )      |   |   | (404       | )      |   |     | (9,152  | )      |               |   | -        |          |   |   | - |   |   |   | (9,556 | ) |
| Net      change, net of tax, in accumulated other comprehensive      income                                                                                                                                                |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | -        |          |   |   | 979 |   |   |   | 979 |   |
| Exercise      of stock options                                                                                                                                                                                             |   |      | -      |   |           |   | 29,761     |   |   |   | 30         |   |   |     | 331     |   |               |   | -        |          |   |   | - |   |   |   | 361 |   |
| Issuance      of stock for acquistion                                                                                                                                                                                      |   |      | -      |   |           |   | 3,149,157  |   |   |   | 3,149      |   |   |     | 79,296  |   |               |   | -        |          |   |   | - |   |   |   | 82,445 |   |
| Grant      of restricted stock, net of forfeitures                                                                                                                                                                         |   |      | -      |   |           |   | 81,408     |   |   |   | 81         |   |   |     | (81     | )      |               |   | -        |          |   |   | - |   |   |   | - |   |
| Stock-based      compensation expense                                                                                                                                                                                      |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | 1,543   |   |               |   | -        |          |   |   | - |   |   |   | 1,543 |   |
| BALANCE      AT DECEMBER 31, 2007                                                                                                                                                                                          |   | $         | -      |   |           |   | 20,650,165 |   |   | $      | 20,650     |   |   | $        | 206,991 |   |               | $      | 104,913  |          |   | $ | (4,750 | ) |   | $ | 327,804 |   |
|                                                                                                                                                                                                                       |   |      |   |   |           |   |       |   |   |   |       |   |   |     |    |   |               |   |     |          |   |   |   |   |   |   |   |   |
| Net      income (loss)                                                                                                                                                                                                     |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | (110,875 | )             |   |   | - |   |   |   | (110,875 | ) |
| Cash      dividend declared ($0.38 per share)                                                                                                                                                                              |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | (7,870   | )             |   |   | - |   |   |   | (7,870 | ) |
| Net      change, net of tax, in accumulated other comprehensive      income                                                                                                                                                |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | -        |          |   |   | (4,186 | ) |   |   | (4,186 | ) |
| Initial      adoption of EITF 06-4 (ASC 715)                                                                                                                                                                               |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | (1,922   | )             |   |   | - |   |   |   | (1,922 | ) |
| Exercise      of stock options and restricted shares,      net                                                                                                                                                             |   |      | -      |   |           |   | (4,823     | )      |   |   | (5         | )      |   |     | (56     | )      |               |   | -        |          |   |   | - |   |   |   | (61 | ) |
| Grant      of restricted stock, net of forfeitures                                                                                                                                                                         |   |      | -      |   |           |   | 103,538    |   |   |   | 104        |   |   |     | (104    | )      |               |   | -        |          |   |   | - |   |   |   | - |   |
| Stock-based      compensation expense                                                                                                                                                                                      |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | 1,901   |   |               |   | -        |          |   |   | - |   |   |   | 1,901 |   |
| BALANCE      AT DECEMBER 31, 2008                                                                                                                                                                                          |   |      | -      |   |           |   | 20,748,880 |   |   | $      | 20,749     |   |   | $        | 208,732 |   |               | $      | (15,754  | )             |   | $ | (8,936 | ) |   | $ | 204,791 |   |
|                                                                                                                                                                                                                       |   |      |   |   |           |   |       |   |   |   |       |   |   |     |    |   |               |   |     |          |   |   |   |   |   |   |   |   |
| Net      income (loss)                                                                                                                                                                                                     |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | (191,183 | )             |   |   | - |   |   |   | (191,183 | ) |
| Cash      dividend declared ($0.02 per share)                                                                                                                                                                              |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | (414     | )             |   |   | - |   |   |   | (414 | ) |
| Net      change, net of tax, in accumulated other comprehensive      income                                                                                                                                                |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | -        |          |   |   | 1,918 |   |   |   | 1,918 |   |
| Cumulative      effect of change in accounting principles, adoption of FSP FAS 115-2 and      124-2 (net of tax) (ASC 320)                                                                                                 |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | 778      |          |   |   | (778 | ) |   |   | - |   |
| Change      in unrealized gains (losses) on securities available-for-sale for which a      portion of an other-than temporary impairment      has been recognized in earnings, net of reclassification and      taxes |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | -        |          |   |   | 715 |   |   |   | 715 |   |
| Preferred      stock                                                                                                                                                                                                       |   |      | 83,586 |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | -        |          |   |   | - |   |   |   | 83,586 |   |
| Common      stock warrants                                                                                                                                                                                                 |   |      | -      |   |           |   |       |   |   |   |       |   |   |     | 7,999   |   |               |   |     |          |   |   |   |   |   |   | 7,999 |   |
| Discount      on preferred stock                                                                                                                                                                                           |   |      | (1,855 | )      |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | -        |          |   |   | - |   |   |   | (1,855 | ) |
| Preferred      stock dividend and discount accretion                                                                                                                                                                       |   |      | 280    |   |           |   | -          |   |   |   | -          |   |   |     | -       |   |               |   | (3,798   | )             |   |   | - |   |   |   | (3,518 | ) |
| Vesting      of restricted shares, net                                                                                                                                                                                     |   |      | -      |   |           |   | (9,873     | )      |   |   | (10        | )      |   |     | (307    | )      |               |   | -        |          |   |   | - |   |   |   | (317 | ) |
| Grant      of restricted stock, net of forfeitures                                                                                                                                                                         |   |      | -      |   |           |   | 108,582    |   |   |   | 109        |   |   |     | (109    | )      |               |   | -        |          |   |   | - |   |   |   | - |   |
| Stock-based      compensation expense                                                                                                                                                                                      |   |      | -      |   |           |   | -          |   |   |   | -          |   |   |     | 624     |   |               |   | -        |          |   |   | - |   |   |   | 624 |   |
| BALANCE      AT DECEMBER 31, 2009                                                                                                                                                                                          |   | $         | 82,011 |   |           |   | 20,847,589 |   |   | $      | 20,848     |   |   | $        | 216,939 |   |               | $      | (210,371 | )             |   | $ | (7,081 | ) |   | $ | 102,346 |   |

----

|                                                                                              |   | Year Ended December 31, |     |
|---------------------------------------------------------------------------------------------------|--------|----------------------------------------|----------|
|                                                                                              |   | 2009                                   |     |   | 2008 |   |   | 2007 |   |
| CASH FLOWS FROM OPERATING      ACTIVITIES                                                         |   |                                   |     |   |   |   |   |   |   |
| Net income      (loss)                                                                            |   | $                                      | (191,183 | ) |   | $ | (110,875 | ) |   | $ | 30,710 |   |
| Adjustments to reconcile net      income (loss) to net cash provided by operating      activities |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Amortization and      depreciation                                                                |   |                                   | 6,301    |   |   |   | 7,294 |   |   |   | 6,852 |   |
| Provision for loan      losses                                                                    |   |                                   | 113,368  |   |   |   | 65,784 |   |   |   | 4,193 |   |
| Income tax valuation      allowance                                                               |   |                                   | 100,964  |   |   |   | 3,180 |   |   |   | - |   |
| Net securities (gains)      losses                                                                |   |                                   | (8,060   | ) |   |   | (41 | ) |   |   | (449 | ) |
| Impairment charge on available for      sale securities                                           |   |                                   | 21,484   |   |   |   | 10,612 |   |   |   | 2,726 |   |
| Net held for trading (gains)      losses                                                          |   |                                   | 1,004    |   |   |   | (321 | ) |   |   | (123 | ) |
| (Gain) loss on sale of premises      and equipment                                                |   |                                   | 86       |   |   |   | 76 |   |   |   | - |   |
| (Gain) loss on sale of other real      estate owned                                               |   |                                   | 506      |   |   |   | (13 | ) |   |   | (77 | ) |
| Gain on sale of      branches                                                                     |   |                                   | (7,812   | ) |   |   | - |   |   |   | - |   |
| Loss on low-income housing      investments                                                       |   |                                   | 1,779    |   |   |   | 2,503 |   |   |   | 2,318 |   |
| Proceeds from maturities of held      for trading securities                                      |   |                                   | -        |   |   |   | 1,684 |   |   |   | 471 |   |
| Proceeds from sale of held for      trading securities                                            |   |                                   | 20,298   |   |   |   | 52,419 |   |   |   | (54,130 | ) |
| Purchase of held for trading      securities                                                      |   |                                   | (19,745  | ) |   |   | - |   |   |   | - |   |
| Increase (decrease) in deferred      taxes                                                        |   |                                   | (36,698  | ) |   |   | (52,510 | ) |   |   | (2,219 | ) |
| Net gain on sale of loans held for      sale                                                      |   |                                   | (1,491   | ) |   |   | (723 | ) |   |   | (803 | ) |
| Proceeds from sale of loans held      for sale                                                    |   |                                   | 182,017  |   |   |   | 104,266 |   |   |   | 84,817 |   |
| Origination of loans held for      sale                                                           |   |                                   | (127,246 | ) |   |   | (103,391 | ) |   |   | (88,178 | ) |
| Goodwill      impairment                                                                          |   |                                   | -        |   |   |   | 122,824 |   |   |   | - |   |
| Debt prepayment      fees                                                                         |   |                                   | 1,538    |   |   |   | - |   |   |   | - |   |
| Loss on sale of other      assets                                                                 |   |                                   | -        |   |   |   | - |   |   |   | 12 |   |
| Gain on sale of mortgage servicing      rights                                                    |   |                                   | -        |   |   |   | - |   |   |   | (577 | ) |
| Change in other      operating                                                                    |   |                                   | 22,773   |   |   |   | (8,722 | ) |   |   | 6,267 |   |
| Net cash flows provided by (used      in) operating activities                                    |   |                                   | 79,883   |   |   |   | 94,046 |   |   |   | (8,190 | ) |
| CASH FLOWS FROM INVESTING      ACTIVITIES                                                         |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Proceeds from maturities of      securities available for sale                                    |   |                                   | 112,727  |   |   |   | 123,421 |   |   |   | 117,510 |   |
| Proceeds from sales of securities      available for sale                                         |   |                                   | 296,751  |   |   |   | 18,158 |   |   |   | 51,815 |   |
| Purchase of securities available      for sale                                                    |   |                                   | (218,145 | ) |   |   | (137,740 | ) |   |   | (51,743 | ) |
| Proceeds from sale of bank owned      life insurance                                              |   |                                   | 45,067   |   |   |   | - |   |   |   | - |   |
| Purchase of bank owned life      insurance                                                        |   |                                   | -        |   |   |   | - |   |   |   | (13,628 | ) |
| (Increase) decrease in loans made      to customers                                               |   |                                   | 133,608  |   |   |   | (224,402 | ) |   |   | (94,846 | ) |
| Purchase of premises and      equipment                                                           |   |                                   | (1,293   | ) |   |   | (2,826 | ) |   |   | (2,870 | ) |
| Loss from sale of premises and      equipment                                                     |   |                                   | (95      | ) |   |   | 51 |   |   |   | - |   |
| Proceeds from sale of other real      estate owned                                                |   |                                   | 8,791    |   |   |   | 670 |   |   |   | 2,630 |   |
| Decrease from sale of branches,      net of cash acquired                                         |   |                                   | (48,112  | ) |   |   | - |   |   |   | - |   |
| Acquisition of Prairie Financial      Corp, net of cash acquired                                  |   |                                   | -        |   |   |   | - |   |   |   | (34,250 | ) |
| Net cash flows provided by (used      in) investing activities                                    |   |                                   | 329,299  |   |   |   | (222,668 | ) |   |   | (25,382 | ) |

----

| CASH FLOWS FROM FINANCING      ACTIVITIES                       |   |   |     |   |   |   |    |   |   |
|-----------------------------------------------------------------|--------|--------|----------|--------|--------|--------|---------|--------|--------|
| Net increase (decrease) in      deposits                        |   |   | 152,029  |   |   |   | (106    | )      |   |   | (83,905 | ) |
| Net increase (decrease) in      short-term borrowed funds       |   |   | (352,892 | )      |   |   | 142,736 |   |   |   | 49,862 |   |
| Proceeds from long-term      borrowings                         |   |   | 50,000   |   |   |   | 53,368  |   |   |   | 211,619 |   |
| Repayment of long-term      borrowings                          |   |   | (49,841  | )      |   |   | (69,153 | )      |   |   | (114,757 | ) |
| Proceeds from issuance of common      stock warrants            |   |   | 7,999    |   |   |   | -       |   |   |   | - |   |
| Proceeds from issuance of TARP      preferred stock             |   |   | 82,011   |   |   |   | -       |   |   |   | - |   |
| Accretion of discount on TARP      preferred stock              |   |   | (3,798   | )      |   |   | -       |   |   |   | - |   |
| Dividends paid on TARP perferred      stock                     |   |   | (1,950   | )      |   |   | -       |   |   |   | - |   |
| Dividends paid on common      stock                             |   |   | (622     | )      |   |   | (11,379 | )      |   |   | (13,460 | ) |
| Repurchase of common      stock                                 |   |   | -        |   |   |   | -       |   |   |   | (9,556 | ) |
| Excess income tax benefit from      employee stock-based awards |   |   | -        |   |   |   | -       |   |   |   | 10 |   |
| Proceeds from vesting of      restricted shares, net            |   |   | (317     | )      |   |   | (61     | )      |   |   | 351 |   |
| Net cash flows provided by (used      in) financing activities  |   |   | (117,381 | )      |   |   | 115,405 |   |   |   | 40,164 |   |
| Net increase (decrease) in cash      and cash equivalents       |   |   | 291,801  |   |   |   | (13,217 | )      |   |   | 6,592 |   |
| Cash and cash equivalents at      beginning of year             |   |   | 62,773   |   |   |   | 75,990  |   |   |   | 69,398 |   |
| Cash and cash equivalents at end      of year                   |   | $      | 354,574  |   |   | $      | 62,773  |   |   | $ | 75,990 |   |

|                                                                     |   | Year Ended December 31, |   |
|--------------------------------------------------------------------------|--------|----------------------------------------|--------|
|                                                                     |   | 2009                                   |   |   | 2008 |   |   | 2007 |   |
| SUPPLEMENTAL DISCLOSURE OF CASH      FLOW INFORMATION                    |   |                                   |   |   |   |   |   |   |   |
|   Cash paid during the      year:                              |   |                                   |   |   |   |   |   |   |   |
|  Interest                                                           |   | $                                      | 57,790 |   |   | $ | 83,607 |   |   | $ | 93,600 |   |
|  Income      taxes                                                  |   |                                   | (5,931 | ) |   |   | 6,196 |   |   |   | 6,666 |   |
|                                                                     |   |                                   |   |   |   |   |   |   |   |   |   |   |
| SUPPLEMENTAL DISCLOSURE OF NONCASH      TRANSACTIONS                     |   |                                   |   |   |   |   |   |   |   |   |   |   |
|   Other real estate      acquired in settlement of loans       |   |                                   | 29,512 |   |   |   | 16,976 |   |   |   | 4,590 |   |
|   Dividends for common      shareholders declared and not paid |   |                                   | -      |   |   |   | 207 |   |   |   | 3,717 |   |
|   Dividends accrued not      paid on preferred stock           |   |                                   | 1,567  |   |   |   | - |   |   |   | - |   |

----

----

----

----

----

----

|                                     |   | 2009   |   |   | 2008   |   |    | 2007   |   |
|------------------------------------------|--------|--------|--------|--------|--------|--------|---------|--------|--------|
|                                     |   |   |   |   |   |   |    |   |   |
| Number of options/SARs      granted      |   |   | 5,000  |   |   |   | 211,198 |   |   |   | 178,464 |   |
| Stock price                              |   | $      | 2.13   |   |   | $      | 13.85   |   |   | $ | 20.68 |   |
| Risk-free interest      rate             |   |   | 3.09   | %      |   |   | 3.32    | %      |   |   | 4.75 | % |
| Expected  life, in      years  |   |   | 8      |   |   |   | 6       |   |   |   | 6 |   |
| Expected      volatility                 |   |   | 57.96  | %      |   |   | 22.47   | %      |   |   | 21.10 | % |
| Expected dividend      yield             |   |   | 1.83   | %      |   |   | 5.13    | %      |   |   | 2.95 | % |
| Estimated fair value per      option/SAR |   | $      | 1.12   |   |   | $      | 1.79    |   |   | $ | 6.49 |   |

----

----

|   | · | First,      we are exiting the commercial real estate lending line of business, not      just for the short term in these challenging economic times, but for the      long term as well.  We will manage our current commercial real      estate exposure downward through the sale of performing and nonperforming      loans, discontinue the generation of any new commitments, and provide      incentives to our customers      and relationship managers to prepay their outstanding loans and increase      our yields as pricing opportunities arise.  Our remaining CRE      relationship managers have been reassigned to our loan workout group to      emphasize our strategy and desiredoutcome. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Second,      we will narrow our geographic operating footprint through the sale of      multiple branch clusters.  The sale completed in December 2009      was the first transaction executed under this strategy and the definitive      agreement for the sale of three branches in Eastern Indiana announced on      February 1, 2010, is the next.  On February 17, 2010, we      announced signing another definitive agreement for the sale of two      Kentucky branches.  We also announced on March 3, 2010, the      agreement to sale five Kentucky and three Indiana branches.  We      have received multiple letters of intent regarding significant additional      branch clusters with numerous parties having completed, or are in the      midst of completing, due diligence toward reaching definitive agreements      regarding these transactions and anticipate announcing multiple      transactions during the first half of 2010 regarding these      efforts. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Third,      the additional capital generated from these asset divestitures, both from      the gain on sale as well as reduced risk weighted assets, will allow us to      increase sales of both performing and nonperforming assets, ensuring      adequate levels of liquidity and improving our credit quality      measures. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Finally,      as we execute branch and asset divestitures, we will aggressively reduce      our cost structure to match our core earning capacity, aggressively market      our services to community relationship customers, and return to      profitability.  Throughout this process, we will continue to      focus on delivering exceptional customer service and transitioning our      customers in a seamless fashion. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

| For the Year Ended December 31, |   | 2009   |       |   | 2008   |   |       | 2007   |   |
|----------------------------------------------------------|--------|--------|------------|--------|--------|--------|------------|--------|--------|
| Net income      (loss)                                   |   | $      | (191,183   | )      |   | $      | (110,875   | )      |   | $ | 30,710 |   |
| Preferred dividends and discount      accretion          |   |   | (3,798     | )      |   |   | -          |   |   |   |   |   |
| Net income (loss) available to      common shareholders  |   | $      | (194,981   | )      |   | $      | (110,875   | )      |   | $ | 30,710 |   |
|                                                     |   |   |       |   |   |   |       |   |   |   |   |   |
| Weighted average shares      outstanding - Basic         |   |   | 20,706,184 |   |   |   | 20,556,702 |   |   |   | 19,777,780 |   |
| Stock option      adjustment                             |   |   | -          |   |   |   | -          |   |   |   | 33,784 |   |
| Restricted stock      adjustment                         |   |   | -          |   |   |   | -          |   |   |   | 516 |   |
| Average shares outstanding -      Diluted                |   |   | 20,706,184 |   |   |   | 20,556,702 |   |   |   | 19,812,080 |   |
|                                                     |   |   |       |   |   |   |       |   |   |   |   |   |
| Earnings per      share-Basic                            |   | $      | (9.42      | )      |   | $      | (5.39      | )      |   | $ | 1.55 |   |
| Effect of stock options and      restricted shares       |   |   | -          |   |   |   | -          |   |   |   | - |   |
| Earnings per share -      Diluted                        |   | $      | (9.42      | )      |   | $      | (5.39      | )      |   | $ | 1.55 |   |

----

|                                          |   |      |    |   | Gross      |   |   | Gross      |   |   |   |   |
|-----------------------------------------------|--------|-----------|---------|--------|------------|--------|--------|------------|--------|--------|--------|--------|
|                                          |   | Amortized |    |   | Unrealized |   |   | Unrealized |   |   | Fair   |   |
|                                          |   | Cost      |    |   | Gains      |   |   | Losses     |   |   | Value  |   |
| December 31,      2009                        |   |      |    |   |       |   |   |       |   |   |   |   |
| U.S.    Treasuries                            |   | $         | 8,856   |   |       | $      | -      |       |   | $      | 23     |   |   | $ | 8,833 |   |
| U.S. Government      agencies                 |   |      | 277     |   |       |   | 5      |       |   |   | 3      |   |   |   | 279 |   |
| Collateralized mortgage      obligations:     |   |      |    |   |       |   |   |       |   |   |   |   |   |   |   |   |
| Agency                                        |   |      | 117,930 |   |       |   | 1,624  |       |   |   | 1,123  |   |   |   | 118,431 |   |
| Private    label                              |   |      | 25,164  |   |       |   | -      |       |   |   | 1,935  |   |   |   | 23,229 |   |
| Mortgage-backed securities -      residential |   |      | 167,533 |   |       |   | 537    |       |   |   | 838    |   |   |   | 167,232 |   |
| Trust    preferred                            |   |      | 17,238  |   |       |   | 10     |       |   |   | 7,210  |   |   |   | 10,038 |   |
| States & political      subdivisions      |   |      | 23,529  |   |       |   | 1,589  |       |   |   | 78     |   |   |   | 25,040 |   |
| Other      securities                         |   |      | 8,640   |   |       |   | -      |       |   |   | 3      |   |   |   | 8,637 |   |
| Total                                         |   | $         | 369,167 |   |       | $      | 3,765  |       |   | $      | 11,213 |   |   | $ | 361,719 |   |

|                                          |   |      |    |   | Gross      |   |   | Gross      |   |   |   |   |
|-----------------------------------------------|--------|-----------|---------|--------|------------|--------|--------|------------|--------|--------|--------|--------|
|                                          |   | Amortized |    |   | Unrealized |   |   | Unrealized |   |   | Fair   |   |
|                                          |   | Cost      |    |   | Gains      |   |   | Losses     |   |   | Value  |   |
| December 31,      2008:                       |   |      |    |   |       |   |   |       |   |   |   |   |
| U.S. Government      agencies                 |   | $         | 742     |   |       | $      | 19     |       |   | $      | -      |   |   | $ | 761 |   |
| Collateralized mortgage      obligations:     |   |      |    |   |       |   |   |       |   |   |   |   |   |   |   |   |
| Agency                                        |   |      | 272,038 |   |       |   | 3,040  |       |   |   | 1,002  |   |   |   | 274,076 |   |
| Private    label                              |   |      | 35,341  |   |       |   | -      |       |   |   | 6,731  |   |   |   | 28,610 |   |
| Mortgage-backed securities -      residential |   |      | 130,367 |   |       |   | 1,179  |       |   |   | 293    |   |   |   | 131,253 |   |
| Trust    preferred                            |   |      | 38,759  |   |       |   | 969    |       |   |   | 11,327 |   |   |   | 28,401 |   |
| States & political      subdivisions      |   |      | 88,765  |   |       |   | 1,710  |       |   |   | 447    |   |   |   | 90,028 |   |
| Other      securities                         |   |      | 8,641   |   |       |   | -      |       |   |   | 31     |   |   |   | 8,610 |   |
| Total                                         |   | $         | 574,653 |   |       | $      | 6,917  |       |   | $      | 19,831 |   |   | $ | 561,739 |   |

| Available for Sale Securities |   | Fair Value           |    |
|----------------------------------------------|--------|---------------------------|---------|
|                                         |   |                      |    |
| Due in one year or      less                 |   | $     | 12,955  |   |
| Due from one to five      years              |   |                      | 106,250 |   |
| Due from five to ten      years              |   |                      | 119,044 |   |
| Due after ten      years                     |   |                      | 123,470 |   |
| Total                                        |   | $                         | 361,719 |   |

|                                 |   | 2009   |    |   | 2008   |   |    | 2007   |   |
|--------------------------------------|--------|--------|---------|--------|--------|--------|---------|--------|--------|
|                                 |   |   |    |   |   |   |    |   |   |
| Gross realized      gains            |   | $      | 8,076   |   |   | $      | 73      |   |   | $ | 1,272 |   |
| Gross realized      losses           |   |   | (16     | )      |   |   | (32     | )      |   |   | (823 | ) |
| Other-than-temporary      impairment |   |   | (21,484 | )      |   |   | (10,612 | )      |   |   | (2,726 | ) |
|                                 |   |   |    |   |   |   |    |   |   |   |   |   |
| Total                                |   | $      | (13,424 | )      |   | $      | (10,571 | )      |   | $ | (2,277 | ) |

----

|                                          |   | Less      than 12 Months |    |   | 12      Months or More |   |   | Total           |   |
|-----------------------------------------------|--------|--------------------------|---------|--------|------------------------|--------|--------|-----------------|--------|
| December      31, 2009                        |   | Fair      Value          |    |   | Unrealized      Losses |   |   | Fair      Value |   |   | Unrealized      Losses |   |   | Fair      Value |   |   | Unrealized      Losses |   |
| U.S.      Treasuries                          |   | $                        | 8,833   |   |                   | $      | 23     |            |   | $ | - |   |   | $ | - |   |   | $ | 8,833 |   |   | $ | 23 |   |
| U.S.      Government agencies                 |   |                     | 149     |   |                   |   | 3      |            |   |   | - |   |   |   | - |   |   |   | 149 |   |   |   | 3 |   |
| Collateralized      mortgage obligations:     |   |                     |    |   |                   |   |   |            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Agency                                        |   |                     | 59,198  |   |                   |   | 1,123  |            |   |   | - |   |   |   | - |   |   |   | 59,198 |   |   |   | 1,123 |   |
| Private      Label                            |   |                     | -       |   |                   |   | -      |            |   |   | 23,229 |   |   |   | 1,935 |   |   |   | 23,229 |   |   |   | 1,935 |   |
| Mortgage-backed      securities - residential |   |                     | 105,719 |   |                   |   | 838    |            |   |   | - |   |   |   | - |   |   |   | 105,719 |   |   |   | 838 |   |
| Trust      Preferred                          |   |                     | 602     |   |                   |   | 123    |            |   |   | 5,436 |   |   |   | 7,087 |   |   |   | 6,038 |   |   |   | 7,210 |   |
| State      & political subdivisions       |   |                     | 1,806   |   |                   |   | 22     |            |   |   | 1,066 |   |   |   | 56 |   |   |   | 2,872 |   |   |   | 78 |   |
| Other      securities                         |   |                     | -       |   |                   |   | -      |            |   |   | 21 |   |   |   | 3 |   |   |   | 21 |   |   |   | 3 |   |
| Total                                         |   | $                        | 176,307 |   |                   | $      | 2,132  |            |   | $ | 29,752 |   |   | $ | 9,081 |   |   | $ | 206,059 |   |   | $ | 11,213 |   |

|                                     |   | Less      than 12 Months |    |   | 12      Months or More |   |   | Total           |   |
|------------------------------------------|--------|--------------------------|---------|--------|------------------------|--------|--------|-----------------|--------|
|                                     |   |                     |    |   | Unrealized             |   |   |            |   |   | Unrealized |   |   |   |   |   | Unrealized |   |
| December      31, 2008                   |   | Fair      Value          |    |   | Losses                 |   |   | Fair      Value |   |   | Losses |   |   | Fair      Value |   |   | Losses |   |
| U.S.      Government agencies            |   | $                        | 125     |   |                   | $      | -      |            |   | $ | - |   |   | $ | - |   |   | $ | 125 |   |   | $ | - |   |
| Collateralized      Mortgage Obligations |   |                     |    |   |                   |   |   |            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Agency                                   |   |                     | 43,710  |   |                   |   | 256    |            |   |   | 31,834 |   |   |   | 746 |   |   |   | 75,544 |   |   |   | 1,002 |   |
| Private      Label                       |   |                     | 20,674  |   |                   |   | 5,792  |            |   |   | 7,936 |   |   |   | 939 |   |   |   | 28,610 |   |   |   | 6,731 |   |
| Mortgage-backed      securities          |   |                     | 54,912  |   |                   |   | 271    |            |   |   | 8,229 |   |   |   | 22 |   |   |   | 63,141 |   |   |   | 293 |   |
| Trust      Preferred                     |   |                     | 6,616   |   |                   |   | 4,372  |            |   |   | 6,609 |   |   |   | 6,955 |   |   |   | 13,225 |   |   |   | 11,327 |   |
| State      & political subdivisions  |   |                     | 17,594  |   |                   |   | 388    |            |   |   | 433 |   |   |   | 59 |   |   |   | 18,027 |   |   |   | 447 |   |
| Other      securities                    |   |                     | 2,662   |   |                   |   | 23     |            |   |   | 16 |   |   |   | 8 |   |   |   | 2,678 |   |   |   | 31 |   |
| Total                                    |   | $                        | 146,293 |   |                   | $      | 11,102 |            |   | $ | 55,057 |   |   | $ | 8,729 |   |   | $ | 201,350 |   |   | $ | 19,831 |   |

| SECURITIES HELD FOR      TRADING |   |                   |   |
|----------------------------------|--------|------------------------|--------|
| (At Fair    Value)               |   | December 31,      2009 |   |
| Trust    Preferred               |   | $                      | 36     |   |
| U. S. Treasury      Notes        |   |                   | -      |   |
| Total                            |   | $                      | 36     |   |

----

| Ratings                                                                         |   |                                 |   |                                 |
|---------------------------------------------------------------------------------|--------|--------------------------------------|--------|--------------------------------------|
|                                                                            |   |                                 |   |                                 |
| Issuer                                                                          |   | Ratings as of December 31,      2009 |   | Ratings as of December 31,      2008 |
| Pooled Trust Preferred CDOs      (Amortized cost $3,233, fair value $1,588)     |
| PreTSL VI                                                                       |   | Caa1 (Moodys) / CCC      (Fitch)     |   | B3 (Moodys) / A+      (Fitch)        |
| PreTSL XIV                                                                      |   | Ca (Moodys) /CC      (Fitch)         |   | Ba3 (Moodys) /A      (Fitch)         |
|                                                                            |   |                                 |   |                                 |
| Pooled Trust Preferred CDOs (Held      For Trading) - Carried at fair value $36 |
| Alesco 10A    C1                                                                |   | Ca (Moodys) / CC      (Fitch)        |   | Baa1 (Moodys) / A-      (Fitch)      |
| Trapeza 11A    D1                                                               |   | C (Fitch)                            |   | BB+  (Fitch)                         |
| Trapeza 12A    D1                                                               |   | C (Fitch)                            |   | A-  (Fitch)                          |
| US Capital      Funding                                                         |   | Caa3 (Moodys) / CC      (Fitch)      |   | A3 (Moodys) / A-      (Fitch)        |
|                                                                            |   |                                 |   |                                 |
| Single Issue Trust Preferred      (Amortized cost $14,005, fair value $8,450)   |
| Bank One Cap Tr VI (JP      Morgan)                                             |   | A2(Moodys)                           |   | Aa3  (Moodys)                        |
| First Citizen      Bancshare                                                    |   | Non-Rated                            |   | Non-Rated                            |
| First Union Instit Cap I (Wells      Fargo)                                     |   | Baa2(Moodys)/A-(S&P)/A(Fitch)    |   | A1(Moodys)/A+(S&P)/AA-(Fitch)    |
| Sky Financial Cap Trust III      (Huntington)                                   |   | B(S&P)                           |   | BB(S&P)                          |
|                                                                            |   |                                 |   |                                 |
| Private Label CMOs (Amortized cost      $25,164, fair value $23,229)            |
| CWHL 2003-58      2A1                                                           |   | Aaa(Moodys)/AAA(S&P)             |   | Aaa(Moodys)/AAA(S&P)             |
| CMSI 2004-4    A2                                                               |   | AAA(S&P)/AAA(Fitch)              |   | AAA(S&P)/AAA(Fitch)              |
| GSR 2003-10    2A1                                                              |   | Aaa(Moodys)/AAA(S&P)             |   | Aaa(Moodys)/AAA(S&P)             |
| RAST 2003-A15      1A1                                                          |   | AAA(S&P)/AAA(Fitch)              |   | AAA(S&P)/AAA(Fitch)              |
| SASC 2003-31A      3A                                                           |   | A1(Moodys)/AAA(S&P)              |   | Aaa(Moodys)/AAA(S&P)             |
| WFMBS 2006-8      A13                                                           |   | B3(Moodys)/B(Fitch)                  |   | Baa1(Moodys)/AAA(Fitch)              |

----

----

| Beginning balance April 1,      2009                                                                                                                                                                                          |   | $      | 10,531  |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|---------|--------|
| Additions for amounts related to      credit loss for which an other- than-temporary impairment was not      previously recognized                                                                                            |   |   | 20,314  |   |
| Reductions for amounts related to      securities for which the company intends to sell or that it will be more      likely than not that the company will be required to sell prior to      recovery of amortized cost basis |   |   | (30,530 | )      |
|                                                                                                                                                                                                                          |   |   |    |   |
| Ending balance, December 31,      2009                                                                                                                                                                                        |   | $      | 315     |   |

----

| A summary of loans as of December      31, follows:                                          |   |   |      |   |   |   |
|----------------------------------------------------------------------------------------------|--------|--------|-----------|--------|--------|--------|
|                                                                                         |   |   |      |   |   |   |
|                                                                                         |   | 2009   |      |   | 2008   |   |
| Commercial                                                                                   |   |   |      |   |   |   |
| Commercial, industrial and      agricultural loans                                           |   | $      | 602,606   |   |   | $      | 748,446 |   |
| Economic development loans and      other obligations of state and political    subdivisions |   |   | 14,773    |   |   |   | 24,502 |   |
| Lease    financing                                                                           |   |   | 5,579     |   |   |   | 5,397 |   |
| Total      commercial                                                                        |   |   | 622,958   |   |   |   | 778,345 |   |
| Commercial real      estate                                                                  |   |   |      |   |   |   |   |   |
| Commercial      mortgages                                                                    |   |   | 583,123   |   |   |   | 436,336 |   |
| Construction and      development                                                            |   |   | 382,068   |   |   |   | 641,460 |   |
| Total commercial real      estate                                                            |   |   | 965,191   |   |   |   | 1,077,796 |   |
|                                                                                         |   |   |      |   |   |   |   |   |
| Residential      mortgages                                                                   |   |   | 232,799   |   |   |   | 309,397 |   |
| Home equity                                                                                  |   |   | 162,934   |   |   |   | 171,241 |   |
| Consumer    loans                                                                            |   |   | 126,466   |   |   |   | 153,464 |   |
| Total loans                                                                                  |   |   | 2,110,348 |   |   |   | 2,490,243 |   |
| Less:  Loans held for      sale in probable                                        |   |   |      |   |   |   |   |   |
|                 branch divestiture         |   |   | 90,616    |   |   |   | - |   |
| Loans, net of loans held for sale      in probable branch divestiture                   |   | $      | 2,019,732 |   |   | $      | 2,490,243 |   |

|                            |   | 2009   |    |   | 2008   |   |    | 2007   |   |
|---------------------------------|--------|--------|---------|--------|--------|--------|---------|--------|--------|
| Nonaccrual                      |   | $      | 210,752 |   |   | $      | 150,002 |   |   | $ | 18,549 |   |
| 90 days past      due           |   |   | 4,127   |   |   |   | 897     |   |   |   | 4,118 |   |
| Total non-performing      loans |   | $      | 214,879 |   |   | $      | 150,899 |   |   | $ | 22,667 |   |

|                                                                                                  |   | 2009   |    |   | 2008   |   |    | 2007   |   |
|-------------------------------------------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|---------|--------|--------|
|                                                                                                  |   |   |    |   |   |   |    |   |   |
| Impaired loans for which there is      a related allowance for loan losses                            |   | $      | 197,079 |   |   | $      | 141,301 |   |   | $ | 11,527 |   |
| Impaired loans for which there is      no related allowance for loan losses                           |   |   | 6,391   |   |   |   | 1,195   |   |   |   | 568 |   |
|                                                                                                  |   |   |    |   |   |   |    |   |   |   |   |   |
| Total impaired      loans                                                                             |   | $      | 203,470 |   |   | $      | 142,496 |   |   | $ | 12,095 |   |
|                                                                                                  |   |   |    |   |   |   |    |   |   |   |   |   |
| Allowance for loan losses for      impaired loans included in the allowance for loan      losses |   | $      | 32,036  |   |   | $      | 24,561  |   |   | $ | 752 |   |
| Average recorded investment in      impaired loans                                                    |   |   | 183,272 |   |   |   | 71,255  |   |   |   | 7,685 |   |
| Interest income recognized from      impaired loans                                                   |   |   | 1,659   |   |   |   | 172     |   |   |   | 407 |   |
| Cash basis interest income      recognized from impaired loans                                        |   |   | 6       |   |   |   | 7       |   |   |   | 14 |   |

----

|                                                         |   | 2009   |   |   | 2008   |   |
|--------------------------------------------------------------|--------|--------|--------|--------|--------|--------|
|                                                         |   |   |   |   |   |   |
| Balance as of January      1                                 |   | $      | 6,432  |   |   | $      | 4,495 |   |
| New loans                                                    |   |   | 572    |   |   |   | 8,170 |   |
| Repayments                                                   |   |   | (1,983 | )      |   |   | (5,024 | ) |
| Director and officer      changes                            |   |   | (2,934 | )      |   |   | (1,209 | ) |
|                                                         |   |   |   |   |   |   |   |   |
| Balance as of December      31                               |   | $      | 2,087  |   |   | $      | 6,432 |   |
|                                                         |   |   |   |   |   |   |   |   |
| The balance of related party      deposits as of December 31 |   | $      | 4,414  |   |   | $      | 12,195 |   |

|                                       |   | 2009   |    |   | 2008   |   |    | 2007   |   |
|--------------------------------------------|--------|--------|---------|--------|--------|--------|---------|--------|--------|
|                                       |   |   |    |   |   |   |    |   |   |
| Balance at beginning of      year          |   | $      | 64,437  |   |   | $      | 27,261  |   |   | $ | 21,155 |   |
| Allowance associated with      acquisition |   |   | -       |   |   |   | -       |   |   |   | 5,982 |   |
| Loans charged to      allowance            |   |   | (91,452 | )      |   |   | (30,212 | )      |   |   | (5,441 | ) |
| Recoveries credited to      allowance      |   |   | 2,317   |   |   |   | 1,604   |   |   |   | 1,372 |   |
| Net    charge-offs                         |   |   | (89,135 | )      |   |   | (28,608 | )      |   |   | (4,069 | ) |
| Provision for loan      losses             |   |   | 113,368 |   |   |   | 65,784  |   |   |   | 4,193 |   |
| Balance at end of      year                |   | $      | 88,670  |   |   | $      | 64,437  |   |   | $ | 27,261 |   |

|                                                   |   | 2009   |   |   | 2008   |   |
|--------------------------------------------------------|--------|--------|--------|--------|--------|--------|
|                                                   |   |   |   |   |   |   |
| Land                                                   |   | $      | 6,306  |   |   | $      | 9,017 |   |
| Buildings and lease      improvements                  |   |   | 62,202 |   |   |   | 69,650 |   |
| Equipment                                              |   |   | 21,157 |   |   |   | 24,382 |   |
| Construction in      progress                          |   |   | 898    |   |   |   | 598 |   |
|                                                   |   |   |   |   |   |   |   |   |
| Total cost                                             |   |   | 90,563 |   |   |   | 103,647 |   |
|                                                   |   |   |   |   |   |   |   |   |
| Less accumulated      depreciation                     |   |   | 51,505 |   |   |   | 55,147 |   |
| Less held for sale in probable      branch divestiture |   |   | 1,244  |   |   |   | - |   |
| Net premises and      equipment                        |   | $      | 37,814 |   |   | $      | 48,500 |   |

----

| Intangible      assets                  |   |                   |   |   |                   |   |    |     |   |   |     |   |   |         |   |     |   |   |
|-----------------------------------------|--------|------------------------|--------|--------|------------------------|--------|---------|----------|--------|--------|----------|--------|--------|--------------|--------|----------|--------|--------|
|                                    |   | December 31,      2009 |   |   | December 31,      2008 |   |
|                                    |   | Gross                  |   |   |                   |   |    | Net      |   |   | Gross    |   |   |         |   |     | Net    |   |
|                                    |   | Carrying               |   |   | Accumulated            |   |    | Carrying |   |   | Carrying |   |   | Accumulated  |   | Carrying |   |
|                                    |   | Amount                 |   |   | Amortization           |   |    | Amount   |   |   | Amount   |   |   | Amortization |   | Amount   |   |
|                                    |   |                   |   |   |                   |   |    |     |   |   |     |   |   |         |   |     |   |   |
| Core deposits      (Amortizing)         |   |                   | 23,320 |   |                   |   | (15,113 | )        |   |   | 8,207    |   |   |         | 23,320 |     |   |   | (13,455 | ) |   |   | 9,865 |   |
| Customer Relationship      (Amortizing) |   |                   | 140    |   |                   |   | (105    | )        |   |   | 35       |   |   |         | 140    |     |   |   | (77 | ) |   |   | 63 |   |
| Total intangible      assets            |   | $                      | 23,460 |   |                   | $      | (15,218 | )        |   | $      | 8,242    |   |   | $            | 23,460 |     |   | $      | (13,532 | ) |   | $ | 9,928 |   |

| Year ending December      31, |   |   |   |
|-------------------------------|--------|--------|--------|
| 2010                          |   |   | 1,648  |   |
| 2011                          |   |   | 1,610  |   |
| 2012                          |   |   | 1,565  |   |
| 2013                          |   |   | 1,460  |   |
| 2014                          |   |   | 947    |   |
| Thereafter                    |   |   | 1,012  |   |

|                               |   | December31, |      |
|------------------------------------|--------|-------------|-----------|
|                               |   | 2009        |      |   | 2008 |   |
| Deposits:                          |   |        |      |   |   |   |
| Non-interest-bearing               |   | $           | 270,849   |   |   | $ | 284,032 |   |
| Interest      checking             |   |        | 416,635   |   |   |   | 418,499 |   |
| Money market      accounts         |   |        | 249,490   |   |   |   | 301,411 |   |
| Savings                            |   |        | 342,453   |   |   |   | 181,875 |   |
| Time deposits of $100 or      more |   |        | 623,670   |   |   |   | 603,519 |   |
| Other      interest-bearing        |   |        | 462,009   |   |   |   | 550,856 |   |
|                               |   | $           | 2,365,106 |   |   | $ | 2,340,192 |   |

----

| Time Deposit      Maturities |   |   |      |
|------------------------------|--------|--------|-----------|
|                         |   |   |      |
|                         |   |   |      |
| 2010                         |   | $      | 691,011   |   |
| 2011                         |   |   | 259,805   |   |
| 2012                         |   |   | 76,404    |   |
| 2013                         |   |   | 27,203    |   |
| 2014 and      thereafter     |   |   | 31,256    |   |
|                         |   |   |      |   |
| Total                        |   | $      | 1,085,679 |   |

|                               |   | 2009   |    |   | 2008   |   |    | 2007   |   |
|------------------------------------|--------|--------|---------|--------|--------|--------|---------|--------|--------|
| Federal:                           |   |   |    |   |   |   |    |   |   |
| Current                            |   | $      | (5,696  | )      |   | $      | (1,536  | )      |   | $ | 5,247 |   |
| Deferred                           |   |   | (29,640 | )      |   |   | (46,195 | )      |   |   | 2,583 |   |
| Total                              |   |   | (35,336 | )      |   |   | (47,731 | )      |   |   | 7,830 |   |
|                               |   |   |    |   |   |   |    |   |   |   |   |   |
| State:                             |   |   |    |   |   |   |    |   |   |   |   |   |
| Current                            |   | $      | (212    | )      |   | $      | -       |   |   | $ | 301 |   |
| Deferred                           |   |   | (4,566  | )      |   |   | (6,741  | )      |   |   | (364 | ) |
| Total                              |   |   | (4,778  | )      |   |   | (6,741  | )      |   |   | (63 | ) |
|                               |   |   |    |   |   |   |    |   |   |   |   |   |
| Change in valuation      allowance |   |   | 100,964 |   |   |   | 3,180   |   |   |   | - |   |
| Total income taxes      (benefit)  |   | $      | 60,850  |   |   | $      | (51,292 | )      |   | $ | 7,767 |   |

|                                                    |   | December 31, |    |   | December 31, |   |    | December 31, |   |
|---------------------------------------------------------|--------|-------------------|---------|--------|-------------------|--------|---------|-------------------|--------|
|                                                    |   | 2009              |    |   | 2008              |   |    | 2007              |   |
|                                                    |   |              |    |   |              |   |    |              |   |
| Federal income tax computed at the      statutory rates |   | $                 | (45,617 | )      |              | $      | (56,758 | )                 |   | $ | 13,467 |   |
| Adjusted for effects      of:                           |   |              |    |   |              |   |    |              |   |   |   |   |
| Change in valuation      allowance                      |   |              | 100,964 |   |              |   | 3,180   |              |   |   | - |   |
| Taxable proceeds from BOLI      sale                    |   |              | 5,464   |   |              |   | -       |              |   |   | - |   |
| State taxes, net of federal      benefit                |   |              | (3,106  | )      |              |   | (4,382  | )                 |   |   | (41 | ) |
| Nondeductible fair value      adjustment - warrants     |   |              | 2,151   |   |              |   | -       |              |   |   | - |   |
| Low income housing      credit                          |   |              | (1,788  | )      |              |   | (1,968  | )                 |   |   | (2,240 | ) |
| Tax exempt      interest                                |   |              | (1,200  | )      |              |   | (1,730  | )                 |   |   | (1,757 | ) |
| Cash surrender value of life      insurance policies    |   |              | (561    | )      |              |   | (909    | )                 |   |   | (768 | ) |
| Nondeductible      expenses                             |   |              | 170     |   |              |   | 293     |              |   |   | 335 |   |
| Nondeductible goodwill      impairment                  |   |              | -       |   |              |   | 11,003  |              |   |   | - |   |
| Dividend received      deduction                        |   |              | -       |   |              |   | (46     | )                 |   |   | (189 | ) |
| Tax refunds                                             |   |              | -       |   |              |   | -       |              |   |   | (886 | ) |
| Other      differences                                  |   |              | 4,373   |   |              |   | 25      |              |   |   | (154 | ) |
| Total income      taxes                                 |   | $                 | 60,850  |   |              | $      | (51,292 | )                 |   | $ | 7,767 |   |

----

|                                                  |   | December31, |     |   | December31, |   |
|-------------------------------------------------------|--------|-------------|----------|--------|-------------|--------|
|                                                  |   | 2009        |     |   | 2008        |   |
| Allowance for loan      losses                        |   | $           | 33,514   |   |        | $      | 24,344 |   |
| Goodwill and core deposit      intangibles            |   |        | 20,996   |   |        |   | 27,469 |   |
| General business      credits                         |   |        | 18,088   |   |        |   | 11,119 |   |
| Net operating loss      carryforward                  |   |        | 15,910   |   |        |   | 3,195 |   |
| Other-than-temporary      impairment                  |   |        | 9,560    |   |        |   | 4,011 |   |
| Alternative minimum tax credit      carryforward      |   |        | 4,772    |   |        |   | 3,135 |   |
| Interest on non-accrual      loans                    |   |        | 4,456    |   |        |   | 1,509 |   |
| Unrealized loss on securities      available for sale |   |        | 2,815    |   |        |   | 4,884 |   |
| Postretirement      liability                         |   |        | 1,849    |   |        |   | 962 |   |
| Building      impairment                              |   |        | 619      |   |        |   | - |   |
| Other, net                                            |   |        | 2,140    |   |        |   | 2,010 |   |
| Total deferred tax      assets                        |   |        | 114,719  |   |        |   | 82,638 |   |
|                                                  |   |        |     |   |        |   |   |   |
| Premises and      equipment                           |   |        | (3,827   | )      |        |   | (4,051 | ) |
| Direct financing and leveraged      leases            |   |        | (3,625   | )      |        |   | (4,009 | ) |
| FHLB    dividend                                      |   |        | (1,478   | )      |        |   | (1,493 | ) |
| Partnership      income                               |   |        | (1,383   | )      |        |   | (1,737 | ) |
| Fair value adjustments from      acquisitions         |   |        | (262     | )      |        |   | (361 | ) |
| Total deferred tax      liabilities                   |   |        | (10,575  | )      |        |   | (11,651 | ) |
|                                                  |   |        |     |   |        |   |   |   |
| Net temporary      differences                        |   |        | 104,144  |   |        |   | 70,987 |   |
| Valuation      allowance                              |   |        | (104,144 | )      |        |   | (3,180 | ) |
| Net deferred tax asset      (liability)               |   | $           | -        |   |        | $      | 67,807 |   |

|                                             |   | December      31, |   |
|--------------------------------------------------|--------|-------------------|--------|
|                                             |   | 2009              |   |
| Balance      at January 1                        |   | $                 | -      |   |
| Additions      for tax positions of prior years  |   |              | 315    |   |
| Reductions      for tax positions of prior years |   |              | (104   | ) |
| Reductions      due to statute of limitations    |   |              | (116   | ) |
| Balance      at December 31                      |   |              | 95     |   |

----

|                                                                          |   | 2009   |    |   | 2008   |   |
|-------------------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|
|                                                                          |   |   |    |   |   |   |
| Federal funds      purchased                                                  |   | $      | -       |   |   | $      | 25,000 |   |
| Securities sold under agreements      to repurchase                           |   |   | 62,114  |   |   |   | 88,106 |   |
| Short-term Federal Home Loan Bank      advances                               |   |   | -       |   |   |   | 125,000 |   |
| Other short-term borrowed      funds                                          |   |   | -       |   |   |   | 176,900 |   |
| Total short-term borrowed      funds                                          |   | $      | 62,114  |   |   | $      | 415,006 |   |
|                                                                          |   |   |    |   |   |   |   |   |
| A summary of selected data related      to short-term borrowed funds follows: |   |   |    |   |   |   |   |   |
| Average amount      outstanding                                               |   | $      | 223,151 |   |   | $      | 314,212 |   |
| Maximum amount at any      month-end                                          |   |   | 493,097 |   |   |   | 415,006 |   |
| Weighted average interest      rate:                                          |   |   |    |   |   |   |   |   |
| During year                                                                   |   |   | 0.75    | %      |   |   | 2.41 | % |
| End of year                                                                   |   |   | 0.30    | %      |   |   | 1.20 | % |

----

|                                                                                                                                                                                                                                              |   | 2009   |    |   | 2008   |   |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|
| Federal Home Loan Bank (FHLB)      Advances                                                                                                                                                                                                       |   |   |    |   |   |   |
| Fixed maturity advances (weighted      average rate of 2.53% and  3.02% as of December 31, 2009 and      2008, respectively)                                                                                                            |   | $      | 126,004 |   |   | $      | 136,009 |   |
| Amortizing and other advances      (weighted average rate of 4.98% as of December 31,      2008)                                                                                                                                                  |   |   | -       |   |   |   | 706 |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Total FHLB      Advances                                                                                                                                                                                                                          |   |   | 126,004 |   |   |   | 136,715 |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Securities sold under repurchase      agreements with maturities at various dates through 2013 (weighted average      rate of 3.29% and 3.30% as of December 31, 2009 and 2008,      respectively)                                                |   |   | 80,000  |   |   |   | 100,000 |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Note payable, secured by      equipment, with a fixed interest rate of 7.26%,   due at      various dates through 2012                                                                                                             |   |   | 2,645   |   |   |   | 3,780 |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Note payable, unsecured, with a      floating interest rate equal to one-month LIBOR plus 0.875%, paid off in      2009                                                                                                                           |   |   | -       |   |   |   | 18,000 |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Subordinated debt, unsecured, with      a floating interest rate equal to three-  month LIBOR plus      3.20%, with a maturity date of April 24, 2013                                                                                   |   |   | 10,000  |   |   |   | 10,000 |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Subordinated debt, unsecured, with      a floating interest rate equal to three-  month LIBOR plus      2.85%, with a maturity date of April 7, 2014                                                                                    |   |   | 4,000   |   |   |   | 4,000 |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Floating Rate Capital Securities,      with an interest rate equal to six-month LIBOR plus 3.75%, with a maturity      date of July 25, 2031, and callable  effective July 25, 2011, at      par  *                           |   |   | 18,557  |   |   |   | 18,557 |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Floating Rate Capital Securities,      with an interest rate equal to three-month  LIBOR plus 3.10%,      with a maturity date of June 26, 2033, and callable  quarterly,      at par  *                            |   |   | 35,568  |   |   |   | 35,568 |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Floating Rate Capital Securities,      with an interest rate equal to three-month LIBOR plus 1.57%, with a      maturity date of June 30,  2037, and      callable  effective June 30, 2012, at      par  *         |   |   | 20,619  |   |   |   | 20,619 |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Floating Rate Capital Securities,      with an interest rate equal to three-month  LIBOR plus 1.70%,      with a maturity date of December 15, 2036, and      callable  effective December 15, 2011, at      par  * |   |   | 10,310  |   |   |   | 10,310 |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Senior unsecured debt guaranteed      by FDIC under the TLGP, with a fixed  rate of 2.625%, with a      maturity date of March 30, 2012                                                                                                 |   |   | 50,000  |   |   |   | - |   |
|                                                                                                                                                                                                                                              |   |   |    |   |   |   |   |   |
| Other                                                                                                                                                                                                                                             |   |   | 3,368   |   |   |   | 3,368 |   |
| Total long-term      borrowings                                                                                                                                                                                                                   |   | $      | 361,071 |   |   | $      | 360,917 |   |

| 2010                          |   | $      | 13,224  |   |
|-------------------------------|--------|--------|---------|--------|
| 2011                          |   |   | 13,311  |   |
| 2012                          |   |   | 120,482 |   |
| 2013                          |   |   | 110,000 |   |
| 2014                          |   |   | 4,000   |   |
| Thereafter                    |   |   | 100,054 |   |
| Total principal      payments |   | $      | 361,071 |   |

----

----

|                                          |   |   |    |   |                   |   |   |                                      |   |   |                |   |   | Minimum |   |
|-----------------------------------------------|--------|--------|---------|--------|------------------------|--------|--------|-------------------------------------------|--------|--------|---------------------|--------|--------|---------|--------|
|                                          |   |   |    |   |                   |   |   | Minimum Ratios For Capital |   |   | Capital Ratios |   |
|                                          |   | Actual |    |   | Adequacy Purposes |   |   | To Be Well Capitalized     |   |
|                                          |   | Amount |    |   | Ratio                  |   |   | Amount                                    |   |   | Ratio               |   |   | Amount  |   |   | Ratio |   |
| As      of December 31, 2009                  |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |
| Total      Capital (to Risk Weighted Assets)  |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |
| Consolidated                                  |   | $      | 221,590 |   |                   |   | 9.94   | %                                         |   | $      | 178,377             |   |   |    | 8.00   | % |   |   | N/A |   |   |   | N/A |   |
| Integra      Bank                             |   |   | 224,127 |   |                   |   | 10.05  | %                                         |   |   | 178,377             |   |   |    | 8.00   | % |   |   | 222,971 |   |   |   | 10.00 | % |
|                                          |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |   |   |   |   |   |   |
| Tier      1 Capital (to Risk Weighted Assets) |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |   |   |   |   |   |   |
| Consolidated                                  |   | $      | 137,658 |   |                   |   | 6.17   | %                                         |   | $      | 89,189              |   |   |    | 4.00   | % |   |   | N/A |   |   |   | N/A |   |
| Integra      Bank                             |   |   | 195,416 |   |                   |   | 8.76   | %                                         |   |   | 89,188              |   |   |    | 4.00   | % |   |   | 133,783 |   |   |   | 6.00 | % |
|                                          |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |   |   |   |   |   |   |
| Tier      1 Capital (to Average Assets)       |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |   |   |   |   |   |   |
| Consolidated                                  |   | $      | 137,658 |   |                   |   | 4.43   | %                                         |   | $      | 124,397             |   |   |    | 4.00   | % |   |   | N/A |   |   |   | N/A |   |
| Integra      Bank                             |   |   | 195,416 |   |                   |   | 6.30   | %                                         |   |   | 124,136             |   |   |    | 4.00   | % |   |   | 155,170 |   |   |   | 5.00 | % |
|                                          |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |   |   |   |   |   |   |
| As      of December 31, 2008                  |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |   |   |   |   |   |   |
| Total      Capital (to Risk Weighted Assets)  |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |   |   |   |   |   |   |
| Consolidated                                  |   | $      | 272,514 |   |                   |   | 9.75   | %                                         |   | $      | 223,692             |   |   |    | 8.00   | % |   |   | N/A |   |   |   | N/A |   |
| Integra      Bank                             |   |   | 281,254 |   |                   |   | 10.07  | %                                         |   |   | 223,347             |   |   |    | 8.00   | % |   |   | 279,184 |   |   |   | 10.00 | % |
|                                          |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |   |   |   |   |   |   |
| Tier      1 Capital (to Risk Weighted Assets) |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |   |   |   |   |   |   |
| Consolidated                                  |   | $      | 214,720 |   |                   |   | 7.68   | %                                         |   | $      | 111,846             |   |   |    | 4.00   | % |   |   | N/A |   |   |   | N/A |   |
| Integra      Bank                             |   |   | 245,956 |   |                   |   | 8.81   | %                                         |   |   | 111,674             |   |   |    | 4.00   | % |   |   | 167,510 |   |   |   | 6.00 | % |
|                                          |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |   |   |   |   |   |   |
| Tier      1 Capital (to Average Assets)       |   |   |    |   |                   |   |   |                                      |   |   |                |   |   |    |   |   |   |   |   |   |   |   |   |   |
| Consolidated                                  |   | $      | 214,720 |   |                   |   | 6.41   | %                                         |   | $      | 134,081             |   |   |    | 4.00   | % |   |   | N/A |   |   |   | N/A |   |
| Integra      Bank                             |   |   | 245,956 |   |                   |   | 7.37   | %                                         |   |   | 133,575             |   |   |    | 4.00   | % |   |   | 166,969 |   |   |   | 5.00 | % |

----

|                                               |   | December 31, 2009 |      |   | Weighted Average |   |
|----------------------------------------------------|--------|-----------------------------|-----------|--------|-----------------------|--------|
|                                               |   |                        |      |   | Weighted Average |   |   | Remaining Term |   |
|                                               |   | Shares                      |      |   | Exercise Price   |   |   | (In years) |   |
|                                               |   |                        |      |   |                  |   |   |   |   |
| Options/SARs      outstanding at December 31, 2008 |   |                        | 1,415,433 |   |                  | $      | 20.53 |   |   |   |   |
| Options/SARs      granted                          |   |                        | 5,000     |   |                  |   | 2.13 |   |   |   |   |
| Options/SARs      exercised                        |   |                        | -         |   |                  |   | - |   |   |   |   |
| Options/SARs      forfeited/expired                |   |                        | (320,897  | )      |                  |   | 20.28 |   |   |   |   |
|                                               |   |                        |      |   |                  |   |   |   |   |   |   |
| Options/SARs      outstanding at December 31, 2009 |   |                        | 1,099,536 |   |                  | $      | 20.52 |   |   |   | 4.7 |   |
|                                               |   |                        |      |   |                  |   |   |   |   |   |   |   |
| Options/SARs      exercisable at December 31, 2009 |   |                        | 1,044,761 |   |                  | $      | 20.69 |   |   |   | 4.6 |   |

----

|                                                  |   |   |     |   | Weighted-Average                                                                                                |   |
|-------------------------------------------------------|--------|--------|----------|--------|-----------------------------------------------------------------------------------------------------------------|--------|
|                                                  |   |   |     |   | Grant-Date                                                                                                 |   |
|                                                  |   | Shares |     |   |         Fair Value         |   |
|                                                  |   |   |     |   |                                                                                                            |   |
| Restricted      shares outstanding, beginning of year |   |   | 179,613  |   |                                                                                                            | $      | 17.57 |   |
| Shares      granted                                   |   |   | 246,750  |   |                                                                                                            |   |   |   |
| Shares      vested                                    |   |   | (62,082  | )      |                                                                                                            |   |   |   |
| Shares      forfeited                                 |   |   | (138,168 | )      |                                                                                                            |   |   |   |
|                                                  |   |   |     |   |                                                                                                            |   |   |   |
| Restricted      shares outstanding, end of year       |   |   | 226,113  |   |                                                                                                            | $      | 4.94 |   |

----

|                                  | New                   |   | Prior                 |
|---------------------------------------|-----------------------|--------|-----------------------|
| Default Probabilities            | Issuer Specific  |   | Industry Average |
| Prepayments                           | 0%                    |   | 1%                    |
| Recovery                              | 0%                    |   | 5%                    |
| Spread      to Libor                  | 300      basis points |   | 200      basis points |
| Correlation      within Same Industry | 50%                   |   | 30%                   |
| Correlation      Between Industries   | 30%                   |   | 20%                   |

----

| December 31, 2009               |   |               |   |   |           |   |    |           |   |   |                        |   |
|-------------------------------------------|--------|--------------------|--------|--------|----------------|--------|---------|----------------|--------|--------|-----------------------------|--------|
|                                      |   | Quoted Prices |   |   |           |   |    |           |   |   |                        |   |
|                                      |   | in Active     |   |   |           |   |    |           |   |   |                        |   |
|                                      |   | Markets for   |   |   | Significant    |   |    |           |   |   |                        |   |
|                                      |   | Identical          |   |   | Other          |   |    | Significant    |   |   |                        |   |
|                                      |   | Assets and    |   |   | Observable     |   |    | Unobservable   |   |   |                        |   |
|                                      |   | Liabilities        |   |   | Inputs         |   |    | Inputs         |   |   | Balance as of     |   |
|                                      |   | (Level 1)     |   |   | (Level 2) |   |    | (Level 3) |   |   | December 31, 2009 |   |
| Assets                                    |   |               |   |   |           |   |    |           |   |   |                        |   |
| Securities,      available for sale       |   |               |   |   |           |   |    |           |   |   |                        |   |
| U.S.      Treasuries                      |   | $                  | -      |   |           | $      | 8,833   |           |   | $      | -                           |   |   | $ | 8,833 |   |
| U.S.      Government agencies             |   |               | -      |   |           |   | 279     |           |   |   | -                           |   |   |   | 279 |   |
| Collateralized      mortgage obligations: |   |               |   |   |           |   |    |           |   |   |                        |   |   |   |   |   |
| Agency                                    |   |               | -      |   |           |   | 118,431 |           |   |   | -                           |   |   |   | 118,431 |   |
| Private      Label                        |   |               | -      |   |           |   | 23,229  |           |   |   | -                           |   |   |   | 23,229 |   |
| Mortgage      backed securities           |   |               | -      |   |           |   | 167,232 |           |   |   | -                           |   |   |   | 167,232 |   |
| Trust      Preferred                      |   |               | -      |   |           |   | 8,450   |           |   |   | 1,588                       |   |   |   | 10,038 |   |
| State      & political subdivisions   |   |               | -      |   |           |   | 25,040  |           |   |   | -                           |   |   |   | 25,040 |   |
| Other      securities                     |   |               | -      |   |           |   | 8,637   |           |   |   | -                           |   |   |   | 8,637 |   |
| Total      securities, available for sale |   | $                  | -      |   |           | $      | 360,131 |           |   | $      | 1,588                       |   |   | $ | 361,719 |   |
|                                      |   |               |   |   |           |   |    |           |   |   |                        |   |   |   |   |   |
| Securities,      held for trading         |   |               |   |   |           |   |    |           |   |   |                        |   |   |   |   |   |
| U.S.      Treasuries                      |   | $                  | -      |   |           | $      | -       |           |   | $      | -                           |   |   | $ | - |   |
| Trust      Preferred                      |   |               | -      |   |           |   | 36      |           |   |   | -                           |   |   |   | 36 |   |
| Total      securities, held for trading   |   | $                  | -      |   |           | $      | 36      |           |   | $      | -                           |   |   | $ | 36 |   |
|                                      |   |               |   |   |           |   |    |           |   |   |                        |   |   |   |   |   |
| Derivatives                               |   |               | -      |   |           |   | 5,945   |           |   |   | -                           |   |   |   | 5,945 |   |
|                                      |   |               |   |   |           |   |    |           |   |   |                        |   |   |   |   |   |
| Liabilities                               |   |               |   |   |           |   |    |           |   |   |                        |   |   |   |   |   |
| Derivatives                               |   | $                  | -      |   |           | $      | 6,307   |           |   | $      | -                           |   |   | $ | 6,307 |   |

----

| December 31, 2008         |   |               |   |   |           |   |    |           |   |   |                        |   |
|-------------------------------------|--------|--------------------|--------|--------|----------------|--------|---------|----------------|--------|--------|-----------------------------|--------|
|                                |   | Quoted Prices |   |   |           |   |    |           |   |   |                        |   |
|                                |   | in Active     |   |   |           |   |    |           |   |   |                        |   |
|                                |   | Markets for   |   |   | Significant    |   |    |           |   |   |                        |   |
|                                |   | Identical          |   |   | Other          |   |    | Significant    |   |   |                        |   |
|                                |   | Assets and    |   |   | Observable     |   |    | Unobservable   |   |   |                        |   |
|                                |   | Liabilities        |   |   | Inputs         |   |    | Inputs         |   |   | Balance as of     |   |
|                                |   | (Level 1)     |   |   | (Level 2) |   |    | (Level 3) |   |   | December 31, 2008 |   |
| Assets                              |   |               |   |   |           |   |    |           |   |   |                        |   |
| Securities,      available for sale |   | $                  | -      |   |           | $      | 544,204 |           |   | $      | 17,535                      |   |   | $ | 561,739 |   |
| Derivatives                         |   |               | -      |   |           |   | 12,296  |           |   |   | -                           |   |   |   | 12,296 |   |
|                                |   |               |   |   |           |   |    |           |   |   |                        |   |   |   |   |   |
| Liabilities                         |   |               |   |   |           |   |    |           |   |   |                        |   |   |   |   |   |
| Derivatives                         |   | $                  | -      |   |           | $      | 11,851  |           |   | $      | -                           |   |   | $ | 11,851 |   |

| December 31, 2009               |   |               |   |   |           |   |   |           |   |   |                        |   |
|-------------------------------------------|--------|--------------------|--------|--------|----------------|--------|--------|----------------|--------|--------|-----------------------------|--------|
|                                      |   | Quoted Prices |   |   |           |   |   |           |   |   |                        |   |
|                                      |   | in Active     |   |   |           |   |   |           |   |   |                        |   |
|                                      |   | Markets for   |   |   | Significant    |   |   |           |   |   |                        |   |
|                                      |   | Identical          |   |   | Other          |   |   | Significant    |   |   |                        |   |
|                                      |   | Assets and    |   |   | Observable     |   |   | Unobservable   |   |   |                        |   |
|                                      |   | Liabilities        |   |   | Inputs         |   |   | Inputs         |   |   | Balance as of     |   |
|                                      |   | (Level 1)     |   |   | (Level 2) |   |   | (Level 3) |   |   | December 31, 2009 |   |
| Assets                                    |   |               |   |   |           |   |   |           |   |   |                        |   |
| Impaired      loans                       |   | $                  | -      |   |           | $      | -      |           |   | $      | 92,715                      |   |   | $ | 92,715 |   |
| Loans      held for sale                  |   |               | -      |   |           |   | 93,572 |           |   |   | -                           |   |   |   | 93,572 |   |
| Other      real estate owned              |   |               | -      |   |           |   | -      |           |   |   | 29,317                      |   |   |   | 29,317 |   |
| Premises      and equipment held for sale |   |               | -      |   |           |   | -      |           |   |   | 4,249                       |   |   |   | 4,249 |   |
|                                      |   |               |   |   |           |   |   |           |   |   |                        |   |   |   |   |   |
| Liabilities                               |   |               |   |   |           |   |   |           |   |   |                        |   |   |   |   |   |
| Deposits      held for sale               |   | $                  | 99,084 |   |           | $      | -      |           |   | $      | -                           |   |   | $ | 99,084 |   |

| December 31, 2008 |   |               |   |   |           |   |   |           |   |   |                        |   |
|-----------------------------|--------|--------------------|--------|--------|----------------|--------|--------|----------------|--------|--------|-----------------------------|--------|
|                        |   | Quoted Prices |   |   |           |   |   |           |   |   |                        |   |
|                        |   | in Active     |   |   |           |   |   |           |   |   |                        |   |
|                        |   | Markets for   |   |   | Significant    |   |   |           |   |   |                        |   |
|                        |   | Identical          |   |   | Other          |   |   | Significant    |   |   |                        |   |
|                        |   | Assets and    |   |   | Observable     |   |   | Unobservable   |   |   |                        |   |
|                        |   | Liabilities        |   |   | Inputs         |   |   | Inputs         |   |   | Balance as of     |   |
|                        |   | (Level 1)     |   |   | (Level 2) |   |   | (Level 3) |   |   | December 31, 2008 |   |
| Assets                      |   |               |   |   |           |   |   |           |   |   |                        |   |
| Impaired      loans         |   | $                  | -      |   |           | $      | -      |           |   | $      | 69,590                      |   |   | $ | 69,590 |   |
| Loans      held for sale    |   |               | -      |   |           |   | 5,776  |           |   |   | -                           |   |   |   | 5,776 |   |
|                        |   |               |   |   |           |   |   |           |   |   |                        |   |   |   |   |   |
| Liabilities                 |   | $                  | -      |   |           | $      | -      |           |   | $      | -                           |   |   | $ | - |   |

----

|                                                       |   | Fair Value Measurements Using Significant |    |
|------------------------------------------------------------|--------|---------------------------------------------------------------|---------|
|                                                       |   | Unobservable Inputs (Level 3)                  |    |
|                                                       |   | Securities                                                    |    |   |   |   |
|                                                       |   | Available for sale                                  |    |   | Total |   |
|                                                       |   |                                                          |    |   |   |   |
| Beginning      Balance at January 1, 2009                  |   | $                                                             | 17,535  |   |   | $ | 17,535 |   |
| Transfers      in and/or out of Level 3                    |   |                                                          | (250    | ) |   |   | (250 | ) |
| Gains      (Losses) included in other comprehensive income |   |                                                          | 131     |   |   |   | 131 |   |
| Gains      (Losses) included in earnings                   |   |                                                          | (15,828 | ) |   |   | (15,828 | ) |
| Ending      Balance at December 31, 2009                   |   | $                                                             | 1,588   |   |   | $ | 1,588 |   |

|                                                       |   | Fair Value Measurements Using Significant |   |
|------------------------------------------------------------|--------|---------------------------------------------------------------|--------|
|                                                       |   | Unobservable Inputs (Level 3)                  |   |
|                                                       |   | Securities                                                    |   |   |   |   |
|                                                       |   | Available for sale                                  |   |   | Total |   |
|                                                       |   |                                                          |   |   |   |   |
| Beginning      Balance at January 1, 2008                  |   | $                                                             | -      |   |   | $ | - |   |
| Transfers      in and/or out of Level 3                    |   |                                                          | 25,840 |   |   |   | 25,840 |   |
| Gains      (Losses) included in other comprehensive income |   |                                                          | (3,996 | ) |   |   | (3,996 | ) |
| Gains      (Losses) included in earnings                   |   |                                                          | (4,309 | ) |   |   | (4,309 | ) |
| Ending      Balance                                        |   | $                                                             | 17,535 |   |   | $ | 17,535 |   |

|                                 |   | December 31, 2009 |      |   | December 31, 2008 |   |
|--------------------------------------|--------|-----------------------------|-----------|--------|-----------------------------|--------|
|                                 |   | Carrying                    |      |   | Fair                        |   |   | Carrying |   |   | Fair |   |
|                                 |   | Amount                      |      |   | Value                       |   |   | Amount |   |   | Value |   |
|                                 |   |                        |      |   |                        |   |   |   |   |   |   |   |
| Financial      Assets:               |   |                        |      |   |                        |   |   |   |   |   |   |   |
| Cash      and short-term investments |   | $                           | 354,574   |   |                        | $      | 354,574 |   |   | $ | 62,773 |   |   | $ | 62,773 |   |
| Loans-net      of allowance          |   |                        | 1,838,347 |   |                        |   | 1,840,053 |   |   |   | 2,356,216 |   |   |   | 2,415,290 |   |
| Accrued      interest receivable     |   |                        | 9,336     |   |                        |   | 9,336 |   |   |   | 14,114 |   |   |   | 14,114 |   |
|                                 |   |                        |      |   |                        |   |   |   |   |   |   |   |   |   |   |   |
| Financial      Liabilities:          |   |                        |      |   |                        |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                             |   | $                           | 2,267,899 |   |                        | $      | 2,288,866 |   |   | $ | 2,340,192 |   |   | $ | 2,367,354 |   |
| Short-term      borrowings           |   |                        | 62,114    |   |                        |   | 62,114 |   |   |   | 415,006 |   |   |   | 415,542 |   |
| Long-term      borrowings            |   |                        | 361,071   |   |                        |   | 362,271 |   |   |   | 360,917 |   |   |   | 362,848 |   |
| Accrued      interest payable        |   |                        | 8,200     |   |                        |   | 8,200 |   |   |   | 10,560 |   |   |   | 10,560 |   |

----

| Year      Ending December 31, |   |   |   |
|-------------------------------|--------|--------|--------|
| 2010                          |   | $      | 1,879  |   |
| 2011                          |   |   | 1,622  |   |
| 2012                          |   |   | 1,502  |   |
| 2013                          |   |   | 1,341  |   |
| 2014                          |   |   | 1,271  |   |
| Thereafter                    |   |   | 6,971  |   |
| Total                         |   | $      | 14,586 |   |

|                              |   |               |    |   |            |   |   |       |   |   | Ranges of Rates |   |
|-----------------------------------|--------|--------------------|---------|--------|-----------------|--------|--------|------------|--------|--------|---------------------------|--------|
|                              |   | Variable Rate |    |   | Fixed Rate |   |   | Total      |   |   | on Fixed Rate   |   |
|                              |   | Commitment         |    |   | Commitment      |   |   | Commitment |   |   | Commitments               |   |
|                              |   |               |    |   |            |   |   |       |   |   |                      |   |
| Commitments      to extend credit |   | $                  | 393,013 |   |            | $      | 28,895 |       |   | $      | 421,908                   |   |   |   | 0.00%      - 21.00 | % |
|                              |   |               |    |   |            |   |   |       |   |   |                      |   |   |   |   |   |
| Standby      letters of credit    |   |               | 11,894  |   |            |   | 6,525  |       |   |   | 18,419                    |   |   |   | 0.00%      - 10.25 | % |

----

|                              |   | December 31, 2009 |   |   | December 31, 2008 |   |
|-----------------------------------|--------|-----------------------------|--------|--------|-----------------------------|--------|
|                              |   | Assets                      |   |   | (Liabilities)               |   |   | Derivative |   |   | Assets |   |   | (Liabilities) |   |   | Derivative |   |
|                              |   | Carrying                    |   |   | Carrying                    |   |   | Net Carrying |   |   | Carrying |   |   | Carrying |   |   | Net Carrying |   |
|                              |   | Value                       |   |   | Value                       |   |   | Value |   |   | Value |   |   | Value |   |   | Value |   |
|                              |   |                        |   |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Derivatives      designated as    |   |                        |   |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| hedging      instruments:         |   |                        |   |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest      rate contracts      |   | $                           | 5,963  |   |                        | $      | (6,307 | ) |   | $ | (344 | ) |   | $ | 12,080 |   |   | $ | (11,835 | ) |   | $ | 245 |   |
|                              |   |                        |   |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Derivatives      not designated   |   |                        |   |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| as      hedging instruments:      |   |                        |   |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage      banking derivatives |   |                        | 91     |   |                        |   | (109 | ) |   |   | (18 | ) |   |   | 216 |   |   |   | (16 | ) |   |   | 200 |   |

----

|                                                     |   | Postretirement Benefits |   |
|----------------------------------------------------------|--------|------------------------------|--------|
|                                                     |   | 2009                         |   |   | 2008 |   |
|                                                     |   |                         |   |   |   |   |
| Change      in Fair Value of Plan Assets:                |   |                         |   |   |   |   |
| Balance      at beginning of year                        |   | $                            | -      |   |   | $ | - |   |
| Actual      return on plan assets                        |   |                         | -      |   |   |   | - |   |
| Employer      contributions                              |   |                         | 153    |   |   |   | 184 |   |
| Benefits      paid, net of retiree contributions         |   |                         | (153   | ) |   |   | (184 | ) |
|                                                     |   |                         |   |   |   |   |   |   |
| Balance      at end of year                              |   | $                            | -      |   |   | $ | - |   |
|                                                     |   |                         |   |   |   |   |   |   |
| Change      in Accumulated Projected Benefit Obligation: |   |                         |   |   |   |
| Balance      at beginning of year                        |   | $                            | 2,427  |   |   | $ | 3,248 |   |
| Service      cost                                        |   |                         | 198    |   |   |   | 277 |   |
| Interest      costs                                      |   |                         | 180    |   |   |   | 199 |   |
| Actuarial      (gains) losses                            |   |                         | 2,177  |   |   |   | (875 | ) |
| Adjustment      for prior year benefits paid             |   |                         | (153   | ) |   |   | (238 | ) |
| Benefits      paid, net of retiree contributions         |   |                         | (56    | ) |   |   | (184 | ) |
|                                                     |   |                         |   |   |   |   |   |   |
| Balance      at end of year                              |   | $                            | 4,773  |   |   | $ | 2,427 |   |
|                                                     |   |                         |   |   |   |   |   |   |
| Funded      status-(accrued) prepaid benefit cost        |   | $                            | (4,773 | ) |   | $ | (2,427 | ) |

----

|                                                   |   | Postretirement Benefits |   |
|--------------------------------------------------------|--------|-------------------------|--------|
|                                              |   | 2009                    |   |   | 2008 |   |   | 2007 |   |
|                                                   |   |                    |   |   |   |   |   |   |   |
| Service      cost - benefits earned during the period  |   | $                       | 198    |   |   | $ | 277 |   |   | $ | 150 |   |
| Interest      cost on projected benefit obligation     |   |                    | 180    |   |   |   | 199 |   |   |   | 118 |   |
| Amortization      of prior service costs               |   |                    | 34     |   |   |   | 34 |   |   |   | 34 |   |
| Amortization      of net (gain) loss                   |   |                    | 56     |   |   |   | 122 |   |   |   | 64 |   |
| Net      periodic benefit cost                         |   |                    | 468    |   |   |   | 632 |   |   |   | 366 |   |
| Net      loss (gain)                                   |   |                    | 2,177  |   |   |   | (875 | ) |   |   | 910 |   |
| Prior      service (cost) credit                       |   |                    | (34    | ) |   |   | (34 | ) |   |   | (34 | ) |
| Amortization      of gain (loss)                       |   |                    | (56    | ) |   |   | (122 | ) |   |   | (64 | ) |
| Total      recognized in other comprehensive income    |   |                    | 2,087  |   |   |   | (1,031 | ) |   |   | 812 |   |
| Total      recognized in net periodic benefit cost and |   |                    |   |   |   |   |   |   |   |   |   |   |
| other      comprehensive income                        |   | $                       | 2,555  |   |   | $ | (399 | ) |   | $ | 1,178 |   |

| Year      ending December 31, |   |    |   |
|-------------------------------|--------|--------------|--------|
| 2010                          |   | $            | 239    |   |
| 2011                          |   |         | 288    |   |
| 2012                          |   |         | 310    |   |
| 2013                          |   |         | 328    |   |
| 2014                          |   |         | 376    |   |
| Thereafter                    |   |         | 2,348  |   |

----

| For      the Year Ended                                 |   |    |      |   |   |   |    |   |   |
|---------------------------------------------------------|--------|---------|-----------|--------|--------|--------|---------|--------|--------|
| December      31, 2009                             |   | Banking |      |   | Other  |   |    | Total  |   |
| Interest      income                                    |   | $       | 121,338   |   |   | $      | 128     |   |   | $ | 121,466 |   |
| Interest      expense                              |   |    | 51,772    |   |   |   | 3,658   |   |   |   | 55,430 |   |
| Net      interest income                                |   |    | 69,566    |   |   |   | (3,530  | )      |   |   | 66,036 |   |
| Provision      for loan losses                          |   |    | 113,368   |   |   |   | -       |   |   |   | 113,368 |   |
| Other      income                                       |   |    | 29,068    |   |   |   | (5,900  | )      |   |   | 23,168 |   |
| Other      expense                                      |   |    | 104,589   |   |   |   | 1,580   |   |   |   | 106,169 |   |
| Earnings      (Loss) before income taxes                |   |    | (119,323  | )      |   |   | (11,010 | )      |   |   | (130,333 | ) |
| Income      taxes (benefit)                             |   |    | 56,470    |   |   |   | 4,380   |   |   |   | 60,850 |   |
| Net      income (loss)                                  |   |    | (175,793  | )      |   |   | (15,390 | )      |   |   | (191,183 | ) |
| Preferred      stock dividends and discount accretion   |   |    | -         |   |   |   | 3,798   |   |   |   | 3,798 |   |
| Net      income (loss) available to common shareholders |   | $       | (175,793  | )      |   | $      | (19,188 | )      |   | $ | (194,981 | ) |
|                                                    |   |    |      |   |   |   |    |   |   |   |   |   |
| Segment      assets                                |   | $       | 2,919,085 |   |   | $      | 2,856   |   |   | $ | 2,921,941 |   |

| For      the Year Ended                  |   |    |      |   |   |   |   |   |   |
|------------------------------------------|--------|---------|-----------|--------|--------|--------|--------|--------|--------|
| December      31, 2008              |   | Banking |      |   | Other  |   |   | Total  |   |
| Interest      income                     |   | $       | 172,667   |   |   | $      | 233    |   |   | $ | 172,900 |   |
| Interest      expense               |   |    | 72,077    |   |   |   | 6,842  |   |   |   | 78,919 |   |
| Net      interest income                 |   |    | 100,590   |   |   |   | (6,609 | )      |   |   | 93,981 |   |
| Provision      for loan losses           |   |    | 65,784    |   |   |   | -      |   |   |   | 65,784 |   |
| Other      income                        |   |    | 29,390    |   |   |   | 299    |   |   |   | 29,689 |   |
| Other      expense                       |   |    | 218,840   |   |   |   | 1,213  |   |   |   | 220,053 |   |
| Earnings      (Loss) before income taxes |   |    | (154,644  | )      |   |   | (7,523 | )      |   |   | (162,167 | ) |
| Income      taxes (benefit)              |   |    | (48,293   | )      |   |   | (2,999 | )      |   |   | (51,292 | ) |
| Net      income (loss)              |   | $       | (106,351  | )      |   | $      | (4,524 | )      |   | $ | (110,875 | ) |
|                                     |   |    |      |   |   |   |   |   |   |   |   |   |
| Segment      assets                 |   | $       | 3,348,776 |   |   |   | 8,324  |   |   | $ | 3,357,100 |   |

| For      the Year Ended           |   |    |      |   |   |   |   |   |   |
|-----------------------------------|--------|---------|-----------|--------|--------|--------|--------|--------|--------|
| December      31, 2007       |   | Banking |      |   | Other  |   |   | Total  |   |
| Interest      income              |   | $       | 191,657   |   |   | $      | 263    |   |   | $ | 191,920 |   |
| Interest      expense        |   |    | 90,226    |   |   |   | 8,445  |   |   |   | 98,671 |   |
| Net      interest income          |   |    | 101,431   |   |   |   | (8,182 | )      |   |   | 93,249 |   |
| Provision      for loan losses    |   |    | 4,193     |   |   |   | -      |   |   |   | 4,193 |   |
| Other      income                 |   |    | 36,754    |   |   |   | 317    |   |   |   | 37,071 |   |
| Other      expense                |   |    | 85,904    |   |   |   | 1,746  |   |   |   | 87,650 |   |
| Earnings      before income taxes |   |    | 48,088    |   |   |   | (9,611 | )      |   |   | 38,477 |   |
| Income      taxes (benefit)       |   |    | 11,374    |   |   |   | (3,607 | )      |   |   | 7,767 |   |
| Net      income (loss)       |   | $       | 36,714    |   |   | $      | (6,004 | )      |   | $ | 30,710 |   |
|                              |   |    |      |   |   |   |   |   |   |   |   |   |
| Segment      assets          |   | $       | 3,336,034 |   |   |   | 14,092 |   |   | $ | 3,350,126 |   |

----

| CONDENSED      BALANCE SHEETS                             |   |   |     |   | December      31, |   |
|-----------------------------------------------------------|--------|--------|----------|--------|-------------------|--------|
|                                            |   | 2009   |     |   | 2008              |   |
|                                                      |   |   |     |   |              |   |
| ASSETS                                                    |   |   |     |   |              |   |
| Cash      and cash equivalents                            |   | $      | 5,294    |   |              | $      | 6,572 |   |
| Investment      in banking subsidiaries                   |   |   | 196,579  |   |              |   | 309,128 |   |
| Investment      in other subsidiaries                     |   |   | 360      |   |              |   | 536 |   |
| Securities      available for sale                        |   |   | 2,554    |   |              |   | 2,554 |   |
| Other      assets                                    |   |   | 2,735    |   |              |   | 4,676 |   |
| TOTAL      ASSETS                                    |   | $      | 207,522  |   |              | $      | 323,466 |   |
|                                                      |   |   |     |   |              |   |   |   |
| LIABILITIES                                               |   |   |     |   |              |   |   |   |
| Long-term      borrowings                                 |   | $      | 99,054   |   |              | $      | 117,054 |   |
| Dividends      payable                                    |   |   | 1,567    |   |              |   | 207 |   |
| Other      liabilities                               |   |   | 4,555    |   |              |   | 1,414 |   |
| Total      liabilities                                    |   |   | 105,176  |   |              |   | 118,675 |   |
|                                                      |   |   |     |   |              |   |   |   |
| SHAREHOLDERS'      EQUITY                                 |   |   |     |   |              |   |   |   |
| Preferred      Stock                                      |   |   | 82,011   |   |              |   | - |   |
| Common      stock                                         |   |   | 20,848   |   |              |   | 20,749 |   |
| Additional      paid-in capital                           |   |   | 216,939  |   |              |   | 208,732 |   |
| Retained      earnings                                    |   |   | (210,371 | )      |              |   | (15,754 | ) |
| Accumulated      other comprehensive income (loss)   |   |   | (7,081   | )      |              |   | (8,936 | ) |
| Total      shareholders' equity                      |   |   | 102,346  |   |              |   | 204,791 |   |
| TOTAL      LIABILITIES AND SHAREHOLDERS' EQUITY      |   | $      | 207,522  |   |              | $      | 323,466 |   |

| CONDENSED      STATEMENTS OF INCOME                                 |   | Year      Ended December 31, |     |
|---------------------------------------------------------------------|--------|------------------------------|----------|
|                                                      |   | 2009                         |     |   | 2008 |   |   | 2007 |   |
| Dividends      from banking subsidiariesq                           |   | $                            | -        |   |   | $ | 11,350 |   |   | $ | 20,750 |   |
| Dividends      from other subsidiaries                              |   |                         | 400      |   |   |   | 600 |   |   |   | - |   |
| Other      income                                              |   |                         | (5,903   | ) |   |   | 163 |   |   |   | 257 |   |
| Total      income                                                   |   |                         | (5,503   | ) |   |   | 12,113 |   |   |   | 21,007 |   |
|                                                                |   |                         |     |   |   |   |   |   |   |   |   |   |
| Interest      expense                                               |   |                         | 3,803    |   |   |   | 6,847 |   |   |   | 8,505 |   |
| Other      expenses                                            |   |                         | 1,495    |   |   |   | 1,033 |   |   |   | 1,551 |   |
| Total      expenses                                            |   |                         | 5,298    |   |   |   | 7,880 |   |   |   | 10,056 |   |
| Income      before income taxes and equity in                       |   |                         |     |   |   |   |   |   |   |   |   |   |
| undistributed      earnings of subsidiaries                         |   |                         | (10,801  | ) |   |   | 4,233 |   |   |   | 10,951 |   |
| Income      taxes (benefit)                                    |   |                         | 4,425    |   |   |   | (3,032 | ) |   |   | (3,640 | ) |
| Income      before equity in undistributed earnings of subsidiaries |   |                         | (15,226  | ) |   |   | 7,265 |   |   |   | 14,591 |   |
| Equity      in undistributed earnings of subsidiaries          |   |                         | (175,957 | ) |   |   | (118,140 | ) |   |   | 16,119 |   |
| Net      income (loss)                                              |   |                         | (191,183 | ) |   |   | (110,875 | ) |   |   | 30,710 |   |
| Preferred      stock dividends and discount accretion          |   |                         | 3,798    |   |   |   | - |   |   |   | - |   |
| Net      income (loss) available to common shareholders        |   | $                            | (194,981 | ) |   | $ | (110,875 | ) |   | $ | 30,710 |   |

----

|                                                     |   | 2009   |     |   | 2008   |   |     | 2007   |   |
|--------------------------------------------------------------------|--------|--------|----------|--------|--------|--------|----------|--------|--------|
| CASH      FLOWS FROM OPERATING ACTIVITIES                          |   |   |     |   |   |   |     |   |   |
| Net      income (loss)                                             |   | $      | (191,183 | )      |   | $      | (110,875 | )      |   | $ | 30,710 |   |
| Adjustments      to reconcile net income (loss) to                 |   |   |     |   |   |   |     |   |   |   |   |   |
| net      cash provided by operating activities:                    |   |   |     |   |   |   |     |   |   |   |   |   |
| Amortization      and depreciation                                 |   |   | 161      |   |   |   | 154      |   |   |   | 153 |   |
| Employee      benefit expenses                                     |   |   | 922      |   |   |   | 2,029    |   |   |   | 1,508 |   |
| Excess      distributions (undistributed) earnings of subsidiaries |   |   | 175,180  |   |   |   | 118,140  |   |   |   | (16,120 | ) |
| Decrease      in deferred taxes                                    |   |   | 943      |   |   |   | (406     | )      |   |   | (845 | ) |
| (Increase)      decrease in other assets                           |   |   | 858      |   |   |   | 5,574    |   |   |   | (107 | ) |
| (Decrease)      increase in other liabilities                      |   |   | 7,437    |   |   |   | (489     | )      |   |   | 536 |   |
| Net      cash flows provided by (used in) operating activities     |   |   | (5,682   | )      |   |   | 14,127   |   |   |   | 15,835 |   |
| CASH      FLOWS FROM INVESTING ACTIVITIES                          |   |   |     |   |   |   |     |   |   |   |   |   |
| Acquisition      of Prairie Financial Corp, net of cash acquired   |   |   |     |   |   |   | -        |   |   |   | (35,331 | ) |
| Payments      for investments in and advances to subsidiaries      |   |   | (60,900  | )      |   |   | -        |   |   |   | (619 | ) |
| Capital      expenditures                                          |   |   | (19      | )      |   |   | -        |   |   |   | - |   |
| Net      cash flows provided by (used in) investing activities     |   |   | (60,919  | )      |   |   | -        |   |   |   | (35,950 | ) |
| CASH      FLOWS FROM FINANCING ACTIVITIES                          |   |   |     |   |   |   |     |   |   |   |   |   |
| Repurchase      of common stock                                    |   |   | -        |   |   |   | -        |   |   |   | (9,556 | ) |
| Excess      income tax benefit from employee stock-based awards    |   |   | -        |   |   |   | -        |   |   |   | 10 |   |
| Net      decrease in short-term borrowed funds                     |   |   | -        |   |   |   | -        |   |   |   | - |   |
| Proceeds      from long-term borrowings                            |   |   | -        |   |   |   | -        |   |   |   | 40,619 |   |
| Repayment      of long-term borrowings                             |   |   | (18,000  | )      |   |   | (2,000   | )      |   |   | - |   |
| Proceeds  from      issuance of common stock warrants    |   |   | 7,999    |   |   |   |     |   |   |   |   |   |
| Proceeds      from vesting of restricted shares, net               |   |   | (317     | )      |   |   | (61      | )      |   |   | 351 |   |
| Proceeds      from issuance of TARP preferred stock                |   |   | 82,011   |   |   |   | -        |   |   |   | - |   |
| Dividends      paid                                                |   |   | (2,572   | )      |   |   | (11,379  | )      |   |   | (13,460 | ) |
| Accrued      dividends on preferred stock                          |   |   | (3,798   | )      |   |   | -        |   |   |   | - |   |
| Net      cash flows provided by (used in) financing activities     |   |   | 65,323   |   |   |   | (13,440  | )      |   |   | 17,964 |   |
| Net      increase (decrease) in cash and cash equivalents          |   |   | (1,278   | )      |   |   | 687      |   |   |   | (2,151 | ) |
| Cash      and cash equivalents at beginning of year                |   |   | 6,572    |   |   |   | 5,885    |   |   |   | 8,036 |   |
| Cash      and cash equivalents at end of year                      |   | $      | 5,294    |   |   | $      | 6,572    |   |   | $ | 5,885 |   |

----

----

| Documents      Filed as Part of Form 10-K |
|-------------------------------------------|
|                                      |   |
| 1.                                        | Financial      Statements |
|                                      |   |
|                                      | Report      of Independent Registered Public Accounting Firm |
|                                      | Consolidated      Balance Sheets at December 31, 2009 and 2008 |
|                                      | Consolidated      Statements of Income for the years ended December 31, 2009, 2008 and      2007 |
|                                      | Consolidated      Statements of Comprehensive Income for the years ended December 31, 2009,      2008 and 2007 |
|                                      | Consolidated      Statements of Changes in Shareholders’ Equity for the years ended December      31, 2009, 2008 and 2007 |
|                                      | Consolidated      Statements of Cash Flows for the years ended December 31, 2009, 2008 and      2007 |
|                                      | Notes      to Consolidated Financial Statements |
|                                      |   |
| 2.                                        | Schedules |
|                                      |   |
|                                      | No      schedules are included because they are not applicable or the required      information is shown in the financial statements or the notes      thereto. |
|                                      |   |
| 3.                                        | Exhibits |
|                                      |   |
|                                      | Exhibit      Index is on page 97. |

----

|   | INTEGRA      BANK CORPORATION                                                                                  |   |
|--------|----------------------------------------------------------------------------------------------------------------|--------|
|   |                                                                                                           |   |   |   |
|   | /s/      MICHAEL J. Alley                                                                                      |   | 3/4/2010 |   |
|   | Michael      J. Alley                                                                                          |   | Date |   |
|   | Chairman      of the Board and ChiefExecutive      Officer (Principal ExecutiveOfficer)                        |   |   |   |
|   |                                                                                                           |   |   |   |
|   | /s/      MICHAEL B. CARROLL                                                                                    |   | 3/4/2010 |   |
|   | Michael      B. Carroll                                                                                        |   | Date |   |
|   | Executive      Vice President and ChiefFinancial      Officer (Principal Financialand      Accounting Officer) |   |   |   |

----

|   | /s/      SANDRA CLARK BERRY |   | 3/4/2010 |   |
|--------|-----------------------------|--------|----------|--------|
|   | Sandra      Clark Berry     |   | Date     |   |
|   | Director                    |   |     |   |
|   |                        |   |     |   |
|   | /s/      ROBERT L. GOOCHER  |   | 3/4/2010 |   |
|   | Robert      L. Goocher      |   | Date     |   |
|   | Director                    |   |     |   |
|   |                        |   |     |   |
|   | /s/      H. RAY HOOPS       |   | 3/4/2010 |   |
|   | H.      Ray Hoops           |   | Date     |   |
|   | Director                    |   |     |   |
|   |                        |   |     |   |
|   | /s/      THOMAS W. MILLER   |   | 3/4/2010 |   |
|   | Thomas      W. Miller       |   | Date     |   |
|   | Director                    |   |     |   |
|   |                        |   |     |   |
|   | /s/      RICHARD M. STIVERS |   | 3/4/2010 |   |
|   | Richard      M. Stivers     |   | Date     |   |
|   | Director                    |   |     |   |
|   |                        |   |     |   |
|   | /s/      DANIEL T. WOLFE    |   | 3/4/2010 |   |
|   | Daniel      T. Wolfe        |   | Date     |   |
|   | Director                    |   |     |   |

----

| EXHIBIT   |   |                                                                                                                                                                                                                                                                |
|-----------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| NUMBER    |   | DESCRIPTION      OF EXHIBIT                                                                                                                                                                                                                                         |
|      |   |                                                                                                                                                                                                                                                                |
| 3(a)(i)   |   | Restated      Articles of Incorporation (incorporated by reference to Exhibit 3.1 to      Form 8-A/A dated June 12, 1998)                                                                                                                                           |
| 3(a)(ii)  |   | Articles      of Amendment dated May 17, 2000 (incorporated by reference to Exhibit 3(a)      to Quarterly Report on Form 10-Q for the period ending September 30,      2000)                                                                                       |
| 3(a)(iii) |   | Articles      of Amendment dated July 18, 2001 (incorporated by reference to Exhibit 1      to the Current Report on Form 8-K dated July 18, 2001)                                                                                                                  |
| 3(a)(iv)  |   | Articles      of Amendment dated February 25, 2009 (incorporated by reference to Exhibit      3.1 to the Current Report on Form 8-K dated March 2,  2009)                                                                                                           |
| 3(a)(v)   |   | Articles      of Amendment dated April 15, 2009 (incorporated by reference to Exhibit      3.1 to the Current  Report on Form 8-K dated April 15,      2009)                                                                                              |
| 3(b)      |   | By-Laws      (as amended through June 17, 2009 incorporated by reference to Exhibit 3.1      to Quarterly Report  on Form 10-Q for the period ending June 30,      2009)                                                                                  |
| 4(a)      |   | Form      of Certificate for the Fixed Rate Cumulative Perpetual Preferred Stock,      Series B (incorporated by reference to Exhibit 4.1 to the Current Report      on Form 8-K dated March 2, 2009)                                                               |
| 4(b)      |   | Warrant      for the Purchase of Shares of Common Stock of Integra Bank Corporation      (incorporated by reference to Exhibit 4.2 to the Current Report on Form      8-K dated March 2, 2009)                                                                      |
| 10(a)*    |   | Integra      Bank Corporation Employees' 401(K) Plan (2003 Restatement) (incorporated      by reference to Exhibit 10(a) to Annual Report on Form 10-K for the fiscal      year ended December 31, 2006)                                                            |
| 10(b)*    |   | Change      in Control Benefits Agreement dated May 22, 2007, between Integra Bank      Corporation and Roger M. Duncan (incorporated by reference to Exhibit 10.5      to Quarterly Report on Form 10-Q for the period ending June 30,      2007)                  |
| 10(c)*    |   | Change      in Control Benefits Agreement dated May 22, 2007, between Integra Bank      Corporation and Roger D. Watson (incorporated by reference to Exhibit 10.6      to Quarterly Report on Form 10-Q for the period ending June 30,      2007)                  |
| 10(d)*    |   | Change      in Control Benefits Agreement dated May 22, 2007, between Integra Bank      Corporation and John W. Key                                                                                                                                                 |
| 10(e)*    |   | Change      in Control Benefits Agreement dated October 15, 2008, between Integra Bank      Corporation and Michael B. Carroll (incorporated by reference to Exhibit      10(j)* to Annual Report on Form 10-K for  period ending December      31, 2008) |
| 10(f)*    |   | First      Amendment to Integra Bank Corporation Employees 401 (k) Plan dated January      1, 2003 (incorporated by reference to Exhibit 10(h) to Annual Report on      Form 10-K for the fiscal year ended December 31, 2006)                                      |
| 10(g)*    |   | Second      Amendment to Integra Bank Corporation Employees 401 (k) Plan dated March      28, 2005 (incorporated by reference to Exhibit 10(i) to Annual Report on      Form 10-K for the fiscal year ended December 31, 2006)                                      |
| 10(h)*    |   | Third      Amendment to Integra Bank Corporation Employees 401 (k) Plan dated January      1, 2006 (incorporated by reference to Exhibit 10(j) to Annual Report on      Form 10-K for the fiscal year ended December 31, 2006)                                      |
| 10(i)*    |   | Fourth      Amendment to Integra Bank Corporation Employees 401 (k) Plan dated July 1,      2007 (incorporated by reference to Exhibit 10.1 to Quarterly Report on      Form 10-Q for the period ending September 30, 2007)                                         |
| 10(j)*    |   | Integra      Bank Corporation 2007 Equity Incentive Plan (incorporated by reference to      Exhibit A  to Proxy Statement on Schedule 14A filed March 16,      2007)                                                                                      |
| 10(k)*    |   | Amendment      to Integra Bank Corporation 2007 Equity Incentive Plan dated April 15,      2009 (incorporated  by reference to Exhibit 10.5 to Quarterly      Report on Form 10-Q for the period ending March 31,  2009)                                  |
| 10(l)*    |   | Integra      Bank Corporation Annual Cash Incentive Plan (incorporated by reference to      Exhibit B to Proxy Statement on Schedule 14A filed March 16,      2007)                                                                                                 |
| 10(m)*    |   | Form      of Restricted Stock Agreement (Director) under 2007 Equity Incentive Plan      (incorporated by reference to Exhibit 10.3 to the Current Report on Form      8-K dated April 18,2007)                                                                     |

----

| 10(n)*  |   | Form      of Restricted Stock Agreement (Employee) under 2007 Equity Incentive Plan      (incorporated by reference to Exhibit 10.4 to the Current Report on Form      8-K dated April 18, 2007)                                                                                                                                      |
|---------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 10(o)*  |   | Form      of Nonqualified Stock Option Agreement under 2007 Equity Incentive Plan      (incorporated by reference to Exhibit 10.5 to the Current Report on Form      8-K dated April 18, 2007)                                                                                                                                        |
| 10(p)*  |   | Form      of Stock Appreciation Right Agreement under 2007 Equity Incentive Plan      (incorporated by reference to Exhibit 10.6 to the Current Report on Form      8-K dated April 18, 2007)                                                                                                                                         |
| 10(q)*  |   | Form      of Restricted Stock Agreement (CPP) (incorporated by reference to Exhibit      10.1 to the Current Report on Form 8-K dated July 20,  2009)                                                                                                                                                                                 |
| 10(r)*  |   | Form      of Restricted Stock Agreement (Employee) (incorporated by reference to      Exhibit 10.1 to the Current Report on Form 8-K dated July 20,      2009)                                                                                                                                                                        |
| 10(s)*  |   | Summary      Sheet of 2010 Compensation                                                                                                                                                                                                                                                                                               |
| 10(t)*  |   | Letter      Agreement, dated February 27, 2009, between Integra Bank Corporation and      the United States Department of Treasury, which includes the Securities      Purchase Agreement-Standard Terms attached thereto (incorporated by      reference to Exhibit 10.1 to the Current Report on Form 8-K dated March 2,      2009) |
| 10(u)*  |   | Form      of Senior Officer Letter Agreement (incorporated by reference to Exhibit      10.2 to the Current Report on Form 8-K dated March 2,  2009)                                                                                                                                                                                  |
| 10(v)*  |   | Amended      Form of Senior Officer Letter Agreement                                                                                                                                                                                                                                                                                  |
| 10(w)*  |   | Form      of Waiver (incorporated by reference to Exhibit 10.3 to the Current Report      on Form 8-K dated March 2, 2009)                                                                                                                                                                                                            |
| 10(x)*  |   | ARRA      Letter Agreement, dated February 27, 2009, between Integra Bank      Corporation and the  United States Department of the Treasury      (incorporated by reference to Exhibit 10.4 to the Current Report on Form      8-K dated March 2, 2009)                                                                    |
| 10(y)*  |   | Formal      Written Agreement dated May 20, 2009 between Integra Bank N.A. and the      Office of the  Comptroller of the Currency (incorporated by      reference to Exhibit 10.1 to the Current Report on  Form 8-K-A      dated May 27, 2009)                                                                  |
| 10(z)*  |   | Memorandum      of Understanding with the Federal Reserve Board of St. Louis dated      September 16, 2009 (incorporated by reference to Exhibit 10.2 to Quarterly      Report on Form 10-Q for the period ending September 30,    2009)                                                                                              |
| 10(aa)* |   | Separation      and Release Agreement between the Company and Michael T. Vea dated August      28, 2009 (incorporated by reference to Exhibit 10.1 to the Current Report      on Form 8-K filed September 1, 2009)                                                                                                                    |
| 21      |   | Subsidiaries      of the Registrant                                                                                                                                                                                                                                                                                                   |
| 23      |   | Consent      of Crowe Horwath LLP                                                                                                                                                                                                                                                                                                     |
| 31(a)   |   | Certification      pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 of Chief      Executive Officer                                                                                                                                                                                                                          |
| 31(b)   |   | Certification      pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 of Chief      Financial Officer                                                                                                                                                                                                                          |
| 32      |   | Certification      pursuant to Section 906 of the Sarbanes-Oxley Act of  2002                                                                                                                                                                                                                                                         |
| 99.1    |   | EESA      Section 111(b)(4) Certification of Principal Executive    Officer                                                                                                                                                                                                                                                           |
| 99.2    |   | EESA      Section 111(b)(4) Certification of Principal Financial    Officer                                                                                                                                                                                                                                                           |
|    |   |                                                                                                                                                                                                                                                                                                                                  |
| *       |   | The      indicated exhibit is a management contract, compensatory plan or      arrangement required to be filed by Item 601 of Regulation      S-K.                                                                                                                                                                                   |

----