----

----

| CONSOLIDATED BALANCE SHEETS                                             |   |          |      |   |   |   |
|-------------------------------------------------------------------------|--------|---------------|-----------|--------|--------|--------|
| (Dollars in thousands)                                                  |   | September 30, |      |
|                                                                    |   | 2010          |      |   | 2009   |   |
| ASSETS                                                                  |   |          |      |   |   |   |
| Cash and due from banks                                                 |   | $             | 54,736    |   |   | $      | 66,887 |   |
| Federal funds sold                                                      |   |          | 6,392     |   |   |   | 52,828 |   |
| Cash and cash equivalents                                               |   |          | 61,128    |   |   |   | 119,715 |   |
| Interest-bearing time deposits                                          |   |          | 114,401   |   |   |   | 44,312 |   |
| Investment securities                                                   |   |          | 701,852   |   |   |   | 489,010 |   |
| Mortgage loans held for sale                                            |   |          | 15,390    |   |   |   | 25,173 |   |
| Loans                                                                   |   |          | 2,913,364 |   |   |   | 3,398,722 |   |
| Less: Allowance for loan losses                                         |   |          | (83,660   | )      |   |   | (86,918 | ) |
| Net loans                                                               |   |          | 2,829,704 |   |   |   | 3,311,804 |   |
| Premises and equipment                                                  |   |          | 52,774    |   |   |   | 58,482 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |          | 36,271    |   |   |   | 38,576 |   |
| Interest receivable                                                     |   |          | 20,310    |   |   |   | 22,359 |   |
| Core deposit intangibles and goodwill                                   |   |          | 155,180   |   |   |   | 160,017 |   |
| Cash surrender value of life insurance                                  |   |          | 96,206    |   |   |   | 94,267 |   |
| Other real estate owned                                                 |   |          | 21,546    |   |   |   | 21,778 |   |
| Tax asset, deferred and receivable                                      |   |          | 50,972    |   |   |   | 59,244 |   |
| Other assets                                                            |   |          | 24,586    |   |   |   | 31,747 |   |
| TOTAL ASSETS                                                            |   | $             | 4,180,320 |   |   | $      | 4,476,484 |   |
| LIABILITIES                                                             |   |          |      |   |   |   |   |   |
| Deposits:                                                               |   |          |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $             | 525,463   |   |   | $      | 477,040 |   |
| Interest-bearing                                                        |   |          | 2,728,888 |   |   |   | 3,035,455 |   |
| Total Deposits                                                          |   |          | 3,254,351 |   |   |   | 3,512,495 |   |
| Borrowings:                                                             |   |          |      |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |          | 109,647   |   |   |   | 125,045 |   |
| Federal Home Loan Bank advances                                         |   |          | 92,628    |   |   |   | 130,024 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |          | 227,514   |   |   |   | 194,787 |   |
| Total Borrowings                                                        |   |          | 429,789   |   |   |   | 449,856 |   |
| Interest payable                                                        |   |          | 4,011     |   |   |   | 5,722 |   |
| Other liabilities                                                       |   |          | 29,704    |   |   |   | 32,511 |   |
| Total Liabilities                                                       |   |          | 3,717,855 |   |   |   | 4,000,584 |   |
| STOCKHOLDERS' EQUITY                                                    |   |          |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |          |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |          |      |   |   |   |   |   |
| Series A, Issued and outstanding - 69,600 and 116,000 shares            |   |          | 67,764    |   |   |   | 112,190 |   |
| Cumulative Preferred Stock, $1,000 par value, $1,000 liquidation value: |   |          |      |   |   |   |   |   |
| Authorized -- 600 shares                                                |   |          |      |   |   |   |   |   |
| Issued and outstanding - 125 shares                                     |   |          | 125       |   |   |   | 125 |   |
| Common Stock, $.125 stated value:                                       |   |          |      |   |   |   |   |   |
| Authorized -- 50,000,000 shares                                         |   |          |      |   |   |   |   |   |
| Issued and outstanding - 25,553,601 and 21,185,851 shares               |   |          | 3,194     |   |   |   | 2,648 |   |
| Additional paid-in capital                                              |   |          | 231,979   |   |   |   | 205,759 |   |
| Retained earnings                                                       |   |          | 158,074   |   |   |   | 164,419 |   |
| Accumulated other comprehensive income (loss)                           |   |          | 1,329     |   |   |   | (9,241 | ) |
| Total Stockholders' Equity                                              |   |          | 462,465   |   |   |   | 475,900 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $             | 4,180,320 |   |   | $      | 4,476,484 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                            |   |               |   |   |              |   |   |   |   |   |    |   |
|------------------------------------------------------------------|--------|--------------------|--------|--------|-------------------|--------|--------|--------|--------|--------|---------|--------|
| (Dollars in thousands, except per share amounts)                 |   | Three Months Ended |   |   | Nine Months Ended |   |
|                                                             |   | September 30,      |   |   | September 30,     |   |
|                                                             |   | 2010               |   |   | 2009              |   |   | 2010   |   |   | 2009    |   |
| INTEREST INCOME                                                  |   |               |   |   |              |   |   |   |   |   |    |   |
| Loans receivable:                                                |   |               |   |   |              |   |   |   |   |   |    |   |
| Taxable                                                          |   | $                  | 43,148 |   |              | $      | 50,683 |   |   | $      | 132,573 |   |   | $ | 157,319 |   |
| Tax exempt                                                       |   |               | 236    |   |              |   | 280    |   |   |   | 765     |   |   |   | 742 |   |
| Investment securities:                                           |   |               |   |   |              |   |   |   |   |   |    |   |   |   |   |   |
| Taxable                                                          |   |               | 3,100  |   |              |   | 2,963  |   |   |   | 9,277   |   |   |   | 9,987 |   |
| Tax exempt                                                       |   |               | 2,610  |   |              |   | 2,788  |   |   |   | 7,804   |   |   |   | 6,919 |   |
| Federal funds sold                                               |   |               | 3      |   |              |   | 27     |   |   |   | 23      |   |   |   | 81 |   |
| Deposits with financial institutions                             |   |               | 84     |   |              |   | 73     |   |   |   | 239     |   |   |   | 291 |   |
| Federal Reserve and Federal Home Loan Bank stock                 |   |               | 250    |   |              |   | 359    |   |   |   | 940     |   |   |   | 1,031 |   |
| Total Interest Income                                            |   |               | 49,431 |   |              |   | 57,173 |   |   |   | 151,621 |   |   |   | 176,370 |   |
| INTEREST EXPENSE                                                 |   |               |   |   |              |   |   |   |   |   |    |   |   |   |   |   |
| Deposits                                                         |   |               | 9,434  |   |              |   | 13,666 |   |   |   | 31,449  |   |   |   | 45,946 |   |
| Federal funds purchased                                          |   |               | 1      |   |              |   | 6      |   |   |   | 5       |   |   |   | 28 |   |
| Securities sold under repurchase agreements                      |   |               | 401    |   |              |   | 512    |   |   |   | 1,329   |   |   |   | 1,486 |   |
| Federal Home Loan Bank advances                                  |   |               | 1,218  |   |              |   | 2,209  |   |   |   | 4,222   |   |   |   | 7,605 |   |
| Subordinated debentures, revolving credit lines and term loans   |   |               | 2,695  |   |              |   | 1,932  |   |   |   | 6,540   |   |   |   | 5,524 |   |
| Total Interest Expense                                           |   |               | 13,749 |   |              |   | 18,325 |   |   |   | 43,545  |   |   |   | 60,589 |   |
| NET INTEREST INCOME                                              |   |               | 35,682 |   |              |   | 38,848 |   |   |   | 108,076 |   |   |   | 115,781 |   |
| Provision for loan losses                                        |   |               | 10,521 |   |              |   | 24,240 |   |   |   | 39,405  |   |   |   | 96,156 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES              |   |               | 25,161 |   |              |   | 14,608 |   |   |   | 68,671  |   |   |   | 19,625 |   |
| OTHER INCOME                                                     |   |               |   |   |              |   |   |   |   |   |    |   |   |   |   |   |
| Service charges on deposit accounts                              |   |               | 3,404  |   |              |   | 3,963  |   |   |   | 10,172  |   |   |   | 11,393 |   |
| Fiduciary activities                                             |   |               | 1,773  |   |              |   | 1,844  |   |   |   | 5,811   |   |   |   | 5,583 |   |
| Other customer fees                                              |   |               | 2,080  |   |              |   | 2,004  |   |   |   | 6,773   |   |   |   | 5,953 |   |
| Commission income                                                |   |               | 1,482  |   |              |   | 1,459  |   |   |   | 4,958   |   |   |   | 5,216 |   |
| Earnings on cash surrender value of life insurance               |   |               | 540    |   |              |   | 391    |   |   |   | 1,574   |   |   |   | 1,045 |   |
| Net gains and fees on sales of loans                             |   |               | 2,088  |   |              |   | 1,997  |   |   |   | 4,422   |   |   |   | 5,105 |   |
| Net realized gains on sales of available for sale securities     |   |               | 2      |   |              |   | 5,211  |   |   |   | 2,101   |   |   |   | 9,157 |   |
| Other-than-temporary impairment on available for sale securities |   |               | (656   | )      |              |   | (1,227 | )      |   |   | (1,544  | )      |   |   | (3,750 | ) |
| Other income                                                     |   |               | 332    |   |              |   | 41     |   |   |   | 684     |   |   |   | 1,942 |   |
| Total Other Income                                               |   |               | 11,045 |   |              |   | 15,683 |   |   |   | 34,951  |   |   |   | 41,644 |   |
| OTHER EXPENSES                                                   |   |               |   |   |              |   |   |   |   |   |    |   |   |   |   |   |
| Salaries and employee benefits                                   |   |               | 18,094 |   |              |   | 17,945 |   |   |   | 53,598  |   |   |   | 57,645 |   |
| Net occupancy                                                    |   |               | 2,574  |   |              |   | 2,422  |   |   |   | 7,483   |   |   |   | 7,434 |   |
| Equipment                                                        |   |               | 1,797  |   |              |   | 1,875  |   |   |   | 5,511   |   |   |   | 5,660 |   |
| Marketing                                                        |   |               | 519    |   |              |   | 508    |   |   |   | 1,443   |   |   |   | 1,621 |   |
| Outside data processing fees                                     |   |               | 1,348  |   |              |   | 1,360  |   |   |   | 3,939   |   |   |   | 4,698 |   |
| Printing and office supplies                                     |   |               | 303    |   |              |   | 300    |   |   |   | 942     |   |   |   | 1,060 |   |
| Core deposit amortization                                        |   |               | 1,161  |   |              |   | 1,277  |   |   |   | 3,560   |   |   |   | 3,832 |   |
| FDIC assessments                                                 |   |               | 2,112  |   |              |   | 3,121  |   |   |   | 6,077   |   |   |   | 7,191 |   |
| Other expenses                                                   |   |               | 7,227  |   |              |   | 10,187 |   |   |   | 21,565  |   |   |   | 22,760 |   |
| Total Other Expenses                                             |   |               | 35,135 |   |              |   | 38,995 |   |   |   | 104,118 |   |   |   | 111,901 |   |
| INCOME (LOSS) BEFORE INCOME TAX                                  |   |               | 1,071  |   |              |   | (8,704 | )      |   |   | (496    | )      |   |   | (50,632 | ) |
| Income tax benefit                                               |   |               | (564   | )      |              |   | (3,774 | )      |   |   | (3,374  | )      |   |   | (20,090 | ) |
| NET INCOME (LOSS)                                                |   |               | 1,635  |   |              |   | (4,930 | )      |   |   | 2,878   |   |   |   | (30,542 | ) |
| Gain on exchange of preferred stock for trust preferred debt     |   |               |   |   |              |   |   |   |   |   | 10,052  |   |   |   |   |   |
| Preferred stock dividends and discount accretion                 |   |               | (870   | )      |              |   | (1,450 | )      |   |   | (3,763  | )      |   |   | (3,528 | ) |
| NET INCOME (LOSS) AVAILABLE TO COMMON STOCKHOLDERS               |   | $                  | 765    |   |              | $      | (6,380 | )      |   | $      | 9,167   |   |   | $ | (34,070 | ) |
| Per Share Data:                                                  |   |               |   |   |              |   |   |   |   |   |    |   |   |   |   |   |
| Basic Net Income (Loss) Available to Common Stockholders         |   | $                  | 0.02   |   |              | $      | (0.30  | )      |   | $      | 0.38    |   |   | $ | (1.62 | ) |
| Diluted Net Income (Loss) Available to Common Stockholders       |   | $                  | 0.02   |   |              | $      | (0.30  | )      |   | $      | 0.38    |   |   | $ | (1.62 | ) |
| Cash Dividends Paid                                              |   | $                  | 0.01   |   |              | $      | 0.08   |   |   | $      | 0.03    |   |   | $ | 0.39 |   |
| Average Diluted Shares Outstanding (in thousands)                |   |               | 25,686 |   |              |   | 21,170 |   |   |   | 24,273  |   |   |   | 21,085 |   |

----

| FINANCIAL HIGHLIGHTS                                |   |               |      |   |              |   |      |   |   |   |      |   |
|-----------------------------------------------------|--------|--------------------|-----------|--------|-------------------|--------|-----------|--------|--------|--------|-----------|--------|
| (Dollars in thousands)                              |   | Three Months Ended |      |   | Nine Months Ended |   |
|                                                |   | September 30,      |      |   | September 30,     |   |
|                                                |   | 2010               |      |   | 2009              |   |      | 2010   |   |   | 2009      |   |
| NET CHARGE OFF'S                                    |   | $                  | 13,831    |   |              | $      | 14,441    |   |   | $      | 47,876    |   |   | $ | 60,821 |   |
|                                                |   |               |      |   |              |   |      |   |   |   |      |   |   |   |   |   |
| AVERAGE BALANCES:                                   |   |               |      |   |              |   |      |   |   |   |      |   |   |   |   |   |
| Total Assets                                        |   | $                  | 4,193,717 |   |              | $      | 4,664,010 |   |   | $      | 4,279,305 |   |   | $ | 4,732,389 |   |
| Total Loans                                         |   |               | 3,009,529 |   |              |   | 3,512,101 |   |   |   | 3,103,823 |   |   |   | 3,614,129 |   |
| Total Earning Assets                                |   |               | 3,790,904 |   |              |   | 4,235,718 |   |   |   | 3,871,484 |   |   |   | 4,305,739 |   |
| Total Deposits                                      |   |               | 3,264,983 |   |              |   | 3,564,502 |   |   |   | 3,342,646 |   |   |   | 3,623,485 |   |
| Total Stockholders' Equity                          |   |               | 459,263   |   |              |   | 477,196   |   |   |   | 472,445   |   |   |   | 478,542 |   |
|                                                |   |               |      |   |              |   |      |   |   |   |      |   |   |   |   |   |
| FINANCIAL RATIOS:                                   |   |               |      |   |              |   |      |   |   |   |      |   |   |   |   |   |
| Return on Average Assets                            |   |               | 0.07      | %      |              |   | -0.55     | %      |   |   | 0.29      | %      |   |   | -0.96 | % |
| Return on Average Stockholders' Equity              |   |               | 0.67      |   |              |   | (5.35     | )      |   |   | 2.59      |   |   |   | (9.49 | ) |
| Average Earning Assets to Average Assets            |   |               | 90.39     |   |              |   | 90.82     |   |   |   | 90.47     |   |   |   | 90.98 |   |
| Allowance for Loan Losses as % of Total Loans       |   |               | 2.86      |   |              |   | 2.54      |   |   |   | 2.86      |   |   |   | 2.54 |   |
| Net Charge Off's as % of Average Loans (Annualized) |   |               | 1.84      |   |              |   | 1.64      |   |   |   | 2.06      |   |   |   | 2.24 |   |
| Average Stockholders' Equity to Average Assets      |   |               | 10.95     |   |              |   | 10.23     |   |   |   | 11.04     |   |   |   | 10.11 |   |
| Tax Equivalent Yield on Earning Assets              |   |               | 5.38      |   |              |   | 5.56      |   |   |   | 5.38      |   |   |   | 5.59 |   |
| Cost of Supporting Liabilities                      |   |               | 1.45      |   |              |   | 1.73      |   |   |   | 1.50      |   |   |   | 1.88 |   |
| Net Interest Margin (FTE) on Earning Assets         |   |               | 3.93      |   |              |   | 3.83      |   |   |   | 3.88      |   |   |   | 3.71 |   |

| NON-PERFORMING ASSETS                    |   |          |    |   |     |   |    |      |   |   |         |   |   |          |    |
|------------------------------------------|--------|---------------|---------|--------|----------|--------|---------|-----------|--------|--------|--------------|--------|--------|---------------|---------|
| (Dollars in thousands)                   |   | September 30, |    |   | June 30, |   |    | March 31, |   |   | December 31, |   |   | September 30, |    |
|                                     |   | 2010          |    |   | 2010     |   |    | 2010      |   |   | 2009         |   |   | 2009          |    |
| Non-Accrual Loans                        |   | $             | 98,597  |   |     | $      | 120,205 |      |   | $      | 122,891      |   |   | $             | 118,409 |   |   | $ | 123,290 |   |
| Renegotiated Loans                       |   |          | 5,320   |   |     |   | 1,657   |      |   |   | 859          |   |   |          | 8,833   |   |   |   | 5,595 |   |
| Non-Performing Loans (NPL)               |   |          | 103,917 |   |     |   | 121,862 |      |   |   | 123,750      |   |   |          | 127,242 |   |   |   | 128,885 |   |
| Real Estate Owned and Repossessed Assets |   |          | 21,546  |   |     |   | 20,124  |      |   |   | 18,268       |   |   |          | 14,879  |   |   |   | 21,778 |   |
| Non-Performing Assets (NPA)              |   |          | 125,463 |   |     |   | 141,986 |      |   |   | 142,018      |   |   |          | 142,121 |   |   |   | 150,663 |   |
| 90+ Days Delinquent                      |   |          | 5,320   |   |     |   | 4,537   |      |   |   | 2,600        |   |   |          | 3,967   |   |   |   | 5,422 |   |
| NPAS & 90 Day Delinquent             |   | $             | 130,783 |   |     | $      | 146,523 |      |   | $      | 144,618      |   |   | $             | 146,088 |   |   | $ | 156,085 |   |
|  Loan Loss Reserve                  |   | $             | 83,660  |   |     | $      | 86,970  |      |   | $      | 88,568       |   |   | $             | 92,131  |   |   | $ | 86,918 |   |
| YTD Charge-offs                          |   |          | 47,876  |   |     |   | 34,045  |      |   |   | 17,432       |   |   |          | 81,628  |   |   |   | 60,821 |   |
| NPAs / Actual Assets %                   |   |          | 3.00    | %      |     |   | 3.39    | %         |   |   | 3.25         | %      |   |          | 3.17    | % |   |   | 3.37 | % |
| NPAs & 90 Day / Actual Assets %      |   |          | 3.13    | %      |     |   | 3.50    | %         |   |   | 3.30         | %      |   |          | 3.26    | % |   |   | 3.49 | % |
| NPAs / Actual Loans and REO %            |   |          | 4.25    | %      |     |   | 4.61    | %         |   |   | 4.50         | %      |   |          | 4.32    | % |   |   | 4.37 | % |
| Loan Loss Reserves / Actual Loans (%)    |   |          | 2.86    | %      |     |   | 2.84    | %         |   |   | 2.82         | %      |   |          | 2.81    | % |   |   | 2.54 | % |
| NCOs / YTD Average Loans (%)             |   |          | 1.54    | %      |     |   | 1.08    | %         |   |   | 0.54         | %      |   |          | 2.30    | % |   |   | 1.68 | % |

----

| CONSOLIDATED BALANCE SHEETS                                             |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |
|-------------------------------------------------------------------------|--------|---------------|-----------|--------|----------|--------|-----------|-----------|--------|--------|--------------|--------|--------|---------------|-----------|
| (Dollars in thousands)                                                  |   | September 30, |      |   | June 30, |   |      | March 31, |   |   | December 31, |   |   | September 30, |      |
|                                                                    |   | 2010          |      |   | 2010     |   |      | 2010      |   |   | 2009         |   |   | 2009          |      |
| ASSETS                                                                  |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |
| Cash and due from banks                                                 |   | $             | 54,736    |   |     | $      | 60,223    |      |   | $      | 52,679       |   |   | $             | 76,801    |   |   | $ | 66,887 |   |
| Federal funds sold                                                      |   |          | 6,392     |   |     |   | 4,101     |      |   |   | 7,044        |   |   |          | 102,346   |   |   |   | 52,828 |   |
| Cash and cash equivalents                                               |   |          | 61,128    |   |     |   | 64,324    |      |   |   | 59,723       |   |   |          | 179,147   |   |   |   | 119,715 |   |
| Interest-bearing time deposits                                          |   |          | 114,401   |   |     |   | 40,823    |      |   |   | 157,735      |   |   |          | 74,025    |   |   |   | 44,312 |   |
| Investment securities                                                   |   |          | 701,852   |   |     |   | 646,185   |      |   |   | 639,081      |   |   |          | 563,117   |   |   |   | 489,010 |   |
| Mortgage loans held for sale                                            |   |          | 15,390    |   |     |   | 7,600     |      |   |   | 3,646        |   |   |          | 8,036     |   |   |   | 25,173 |   |
| Loans                                                                   |   |          | 2,913,364 |   |     |   | 3,051,346 |      |   |   | 3,134,540    |   |   |          | 3,269,788 |   |   |   | 3,398,722 |   |
| Less: Allowance for loan losses                                         |   |          | (83,660   | )      |     |   | (86,970   | )         |   |   | (88,568      | )      |   |          | (92,131   | ) |   |   | (86,918 | ) |
| Net loans                                                               |   |          | 2,829,704 |   |     |   | 2,964,376 |      |   |   | 3,045,972    |   |   |          | 3,177,657 |   |   |   | 3,311,804 |   |
| Premises and equipment                                                  |   |          | 52,774    |   |     |   | 53,437    |      |   |   | 54,431       |   |   |          | 55,804    |   |   |   | 58,482 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |          | 36,271    |   |     |   | 36,218    |      |   |   | 36,721       |   |   |          | 38,576    |   |   |   | 38,576 |   |
| Interest receivable                                                     |   |          | 20,310    |   |     |   | 18,894    |      |   |   | 19,532       |   |   |          | 20,818    |   |   |   | 22,359 |   |
| Core deposit intangibles and goodwill                                   |   |          | 155,180   |   |     |   | 156,340   |      |   |   | 157,532      |   |   |          | 158,740   |   |   |   | 160,017 |   |
| Cash surrender value of life insurance                                  |   |          | 96,206    |   |     |   | 95,666    |      |   |   | 95,146       |   |   |          | 94,636    |   |   |   | 94,267 |   |
| Other real estate owned                                                 |   |          | 21,546    |   |     |   | 20,124    |      |   |   | 18,268       |   |   |          | 14,879    |   |   |   | 21,778 |   |
| Tax asset, deferred and refundable                                      |   |          | 50,972    |   |     |   | 52,839    |      |   |   | 59,190       |   |   |          | 64,394    |   |   |   | 59,244 |   |
| Other assets                                                            |   |          | 24,586    |   |     |   | 26,422    |      |   |   | 28,889       |   |   |          | 31,123    |   |   |   | 31,747 |   |
| TOTAL ASSETS                                                            |   | $             | 4,180,320 |   |     | $      | 4,183,248 |      |   | $      | 4,375,866    |   |   | $             | 4,480,952 |   |   | $ | 4,476,484 |   |
| LIABILITIES                                                             |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Deposits:                                                               |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $             | 525,463   |   |     | $      | 516,769   |      |   | $      | 520,551      |   |   | $             | 516,487   |   |   | $ | 477,040 |   |
| Interest-bearing                                                        |   |          | 2,728,888 |   |     |   | 2,744,194 |      |   |   | 2,877,235    |   |   |          | 3,020,049 |   |   |   | 3,035,455 |   |
| Total Deposits                                                          |   |          | 3,254,351 |   |     |   | 3,260,963 |      |   |   | 3,397,786    |   |   |          | 3,536,536 |   |   |   | 3,512,495 |   |
| Borrowings:                                                             |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Federal funds purchased                                                 |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |          | 109,647   |   |     |   | 107,505   |      |   |   | 112,826      |   |   |          | 125,687   |   |   |   | 125,045 |   |
| Federal Home Loan Bank advances                                         |   |          | 92,628    |   |     |   | 100,540   |      |   |   | 123,261      |   |   |          | 129,749   |   |   |   | 130,024 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |          | 227,514   |   |     |   | 225,867   |      |   |   | 194,794      |   |   |          | 194,790   |   |   |   | 194,787 |   |
| Total Borrowings                                                        |   |          | 429,789   |   |     |   | 433,912   |      |   |   | 430,881      |   |   |          | 450,226   |   |   |   | 449,856 |   |
| Interest payable                                                        |   |          | 4,011     |   |     |   | 4,911     |      |   |   | 4,812        |   |   |          | 5,711     |   |   |   | 5,722 |   |
| Other liabilities                                                       |   |          | 29,704    |   |     |   | 25,933    |      |   |   | 53,446       |   |   |          | 24,694    |   |   |   | 32,511 |   |
| Total Liabilities                                                       |   |          | 3,717,855 |   |     |   | 3,725,719 |      |   |   | 3,886,925    |   |   |          | 4,017,167 |   |   |   | 4,000,584 |   |
| STOCKHOLDERS' EQUITY                                                    |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Series A, Issued and outstanding - 69,600 and 116,000 shares            |   |          | 67,764    |   |     |   | 67,649    |      |   |   | 112,559      |   |   |          | 112,373   |   |   |   | 112,190 |   |
| Cumulative Preferred Stock, $1,000 par value, $1,000 liquidation value: |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Authorized -- 600 shares                                                |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Issued and outstanding - 125 shares                                     |   |          | 125       |   |     |   | 125       |      |   |   | 125          |   |   |          | 125       |   |   |   | 125 |   |
| Common Stock, $.125 stated value:                                       |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Authorized -- 50,000,000 shares                                         |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Issued and outstanding - 25,553,601 and 21,185,851 shares               |   |          | 3,194     |   |     |   | 3,191     |      |   |   | 3,187        |   |   |          | 2,653     |   |   |   | 2,648 |   |
| Additional paid-in capital                                              |   |          | 231,979   |   |     |   | 231,372   |      |   |   | 230,764      |   |   |          | 206,600   |   |   |   | 205,759 |   |
| Retained earnings                                                       |   |          | 158,074   |   |     |   | 158,118   |      |   |   | 150,595      |   |   |          | 150,860   |   |   |   | 164,419 |   |
| Accumulated other comprehensive income (loss)                           |   |          | 1,329     |   |     |   | (2,926    | )         |   |   | (8,289       | )      |   |          | (8,826    | ) |   |   | (9,241 | ) |
| Total Stockholders' Equity                                              |   |          | 462,465   |   |     |   | 457,529   |      |   |   | 488,941      |   |   |          | 463,785   |   |   |   | 475,900 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $             | 4,180,320 |   |     | $      | 4,183,248 |      |   | $      | 4,375,866    |   |   | $             | 4,480,952 |   |   | $ | 4,476,484 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                                       |   |          |   |   |     |   |   |      |   |   |         |   |   |          |    |
|-----------------------------------------------------------------------------|--------|---------------|--------|--------|----------|--------|--------|-----------|--------|--------|--------------|--------|--------|---------------|---------|
| (Dollars in thousands, except per share amounts)                            |   | September 30, |   |   | June 30, |   |   | March 31, |   |   | December 31, |   |   | September 30, |    |
|                                                                        |   | 2010          |   |   | 2010     |   |   | 2010      |   |   | 2009         |   |   | 2009          |    |
| INTEREST INCOME                                                             |   |          |   |   |     |   |   |      |   |   |         |   |   |          |    |
| Loans receivable:                                                           |   |          |   |   |     |   |   |      |   |   |         |   |   |          |    |
| Taxable                                                                     |   | $             | 43,148 |   |     | $      | 43,977 |      |   | $      | 45,448       |   |   | $             | 48,297  |   |   | $ | 50,683 |   |
| Tax exempt                                                                  |   |          | 236    |   |     |   | 252    |      |   |   | 277          |   |   |          | 296     |   |   |   | 280 |   |
| Investment securities:                                                      |   |          |   |   |     |   |   |      |   |   |         |   |   |          |    |   |   |   |   |   |
| Taxable                                                                     |   |          | 3,100  |   |     |   | 3,286  |      |   |   | 2,891        |   |   |          | 2,348   |   |   |   | 2,963 |   |
| Tax exempt                                                                  |   |          | 2,610  |   |     |   | 2,548  |      |   |   | 2,646        |   |   |          | 2,668   |   |   |   | 2,788 |   |
| Federal funds sold                                                          |   |          | 3      |   |     |   | 3      |      |   |   | 17           |   |   |          | 37      |   |   |   | 27 |   |
| Deposits with financial institutions                                        |   |          | 84     |   |     |   | 95     |      |   |   | 60           |   |   |          | 75      |   |   |   | 73 |   |
| Federal Reserve and Federal Home Loan Bank stock                            |   |          | 250    |   |     |   | 330    |      |   |   | 360          |   |   |          | 348     |   |   |   | 359 |   |
| Total Interest Income                                                       |   |          | 49,431 |   |     |   | 50,491 |      |   |   | 51,699       |   |   |          | 54,069  |   |   |   | 57,173 |   |
| INTEREST EXPENSE                                                            |   |          |   |   |     |   |   |      |   |   |         |   |   |          |    |   |   |   |   |   |
| Deposits                                                                    |   |          | 9,434  |   |     |   | 10,520 |      |   |   | 11,495       |   |   |          | 12,445  |   |   |   | 13,666 |   |
| Federal funds purchased                                                     |   |          | 1      |   |     |   | 4      |      |   |   |         |   |   |          |    |   |   |   | 6 |   |
| Securities sold under repurchase agreements                                 |   |          | 401    |   |     |   | 429    |      |   |   | 499          |   |   |          | 511     |   |   |   | 512 |   |
| Federal Home Loan Bank advances                                             |   |          | 1,218  |   |     |   | 1,440  |      |   |   | 1,564        |   |   |          | 1,627   |   |   |   | 2,209 |   |
| Subordinated debentures, revolving credit lines and term loans              |   |          | 2,695  |   |     |   | 1,919  |      |   |   | 1,926        |   |   |          | 1,921   |   |   |   | 1,932 |   |
| Total Interest Expense                                                      |   |          | 13,749 |   |     |   | 14,312 |      |   |   | 15,484       |   |   |          | 16,504  |   |   |   | 18,325 |   |
| NET INTEREST INCOME                                                         |   |          | 35,682 |   |     |   | 36,179 |      |   |   | 36,215       |   |   |          | 37,565  |   |   |   | 38,848 |   |
| Provision for loan losses                                                   |   |          | 10,521 |   |     |   | 15,015 |      |   |   | 13,869       |   |   |          | 26,020  |   |   |   | 24,240 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES                         |   |          | 25,161 |   |     |   | 21,164 |      |   |   | 22,346       |   |   |          | 11,545  |   |   |   | 14,608 |   |
| OTHER INCOME                                                                |   |          |   |   |     |   |   |      |   |   |         |   |   |          |    |   |   |   |   |   |
| Service charges on deposit accounts                                         |   |          | 3,404  |   |     |   | 3,506  |      |   |   | 3,262        |   |   |          | 3,735   |   |   |   | 3,963 |   |
| Fiduciary activities                                                        |   |          | 1,773  |   |     |   | 1,978  |      |   |   | 2,060        |   |   |          | 1,826   |   |   |   | 1,844 |   |
| Other customer fees                                                         |   |          | 2,080  |   |     |   | 2,195  |      |   |   | 2,498        |   |   |          | 1,969   |   |   |   | 2,004 |   |
| Commission income                                                           |   |          | 1,482  |   |     |   | 1,487  |      |   |   | 1,989        |   |   |          | 1,181   |   |   |   | 1,459 |   |
| Earnings on cash surrender value of life insurance                          |   |          | 540    |   |     |   | 526    |      |   |   | 508          |   |   |          | 569     |   |   |   | 391 |   |
| Net gains and fees on sales of loans                                        |   |          | 2,088  |   |     |   | 1,185  |      |   |   | 1,149        |   |   |          | 1,744   |   |   |   | 1,997 |   |
| Net realized and unrealized gains on sales of available for sale securities |   |          | 2      |   |     |   | 257    |      |   |   | 1,842        |   |   |          | 1,984   |   |   |   | 5,211 |   |
| Other-than-temporary impairment on available for sale securities            |   |          | (656   | )      |     |   | (400   | )         |   |   | (488         | )      |   |          | (2,979  | ) |   |   | (1,227 | ) |
| Other income                                                                |   |          | 332    |   |     |   | 208    |      |   |   | 144          |   |   |          | (472    | ) |   |   | 41 |   |
| Total Other Income                                                          |   |          | 11,045 |   |     |   | 10,942 |      |   |   | 12,964       |   |   |          | 9,557   |   |   |   | 15,683 |   |
| OTHER EXPENSES                                                              |   |          |   |   |     |   |   |      |   |   |         |   |   |          |    |   |   |   |   |   |
| Salaries and employee benefits                                              |   |          | 18,094 |   |     |   | 17,942 |      |   |   | 17,562       |   |   |          | 18,680  |   |   |   | 17,945 |   |
| Net occupancy                                                               |   |          | 2,574  |   |     |   | 2,058  |      |   |   | 2,851        |   |   |          | 2,816   |   |   |   | 2,422 |   |
| Equipment                                                                   |   |          | 1,797  |   |     |   | 1,861  |      |   |   | 1,853        |   |   |          | 1,935   |   |   |   | 1,875 |   |
| Marketing                                                                   |   |          | 519    |   |     |   | 495    |      |   |   | 429          |   |   |          | 513     |   |   |   | 508 |   |
| Outside data processing fees                                                |   |          | 1,348  |   |     |   | 1,311  |      |   |   | 1,280        |   |   |          | 1,488   |   |   |   | 1,360 |   |
| Printing and office supplies                                                |   |          | 303    |   |     |   | 321    |      |   |   | 318          |   |   |          | 359     |   |   |   | 300 |   |
| Core deposit amortization                                                   |   |          | 1,161  |   |     |   | 1,192  |      |   |   | 1,207        |   |   |          | 1,277   |   |   |   | 1,277 |   |
| FDIC assessments                                                            |   |          | 2,112  |   |     |   | 2,243  |      |   |   | 1,722        |   |   |          | 3,203   |   |   |   | 3,121 |   |
| Other expenses                                                              |   |          | 7,227  |   |     |   | 6,920  |      |   |   | 7,418        |   |   |          | 9,386   |   |   |   | 10,187 |   |
| Total Other Expenses                                                        |   |          | 35,135 |   |     |   | 34,343 |      |   |   | 34,640       |   |   |          | 39,657  |   |   |   | 38,995 |   |
| INCOME (LOSS) BEFORE INCOME TAX                                             |   |          | 1,071  |   |     |   | (2,237 | )         |   |   | 670          |   |   |          | (18,555 | ) |   |   | (8,704 | ) |
| Income tax benefit                                                          |   |          | (564   | )      |     |   | (1,894 | )         |   |   | (916         | )      |   |          | (8,334  | ) |   |   | (3,774 | ) |
| NET INCOME (LOSS)                                                           |   |          | 1,635  |   |     |   | (343   | )         |   |   | 1,586        |   |   |          | (10,221 | ) |   |   | (4,930 | ) |
| Gain on exchange of preferred stock for trust preferred debt                |   |          |   |   |     |   | 10,052 |      |   |   |         |   |   |          |    |   |   |   |   |   |
| Preferred stock dividends and discount accretion                            |   |          | (870   | )      |     |   | (1,443 | )         |   |   | (1,450       | )      |   |          | (1,451  | ) |   |   | (1,450 | ) |
| NET INCOME (LOSS) AVAILABLE TO COMMON STOCKHOLDERS                          |   | $             | 765    |   |     | $      | 8,266  |      |   | $      | 136          |   |   | $             | (11,672 | ) |   | $ | (6,380 | ) |
| PER SHARE:                                                                  |   |          |   |   |     |   |   |      |   |   |         |   |   |          |    |   |   |   |   |   |
| Basic Net Income (Loss) Available to Common Stockholders                    |   | $             | 0.02   |   |     | $      | 0.35   |      |   | $      | 0.01         |   |   | $             | (0.55   | ) |   | $ | (0.30 | ) |
| Diluted Net Income (Loss) Available to Common Stockholders                  |   | $             | 0.02   |   |     | $      | 0.35   |      |   | $      | 0.01         |   |   | $             | (0.55   | ) |   | $ | (0.30 | ) |
| Cash Dividends Paid                                                         |   | $             | 0.01   |   |     | $      | 0.01   |      |   | $      | 0.01         |   |   | $             | 0.08    |   |   | $ | 0.08 |   |
| Average Diluted Shares Outstanding (in thousands)                           |   |          | 25,686 |   |     |   | 25,633 |      |   |   | 21,462       |   |   |          | 21,211  |   |   |   | 21,170 |   |
| FINANCIAL RATIOS:                                                           |   |          |   |   |     |   |   |      |   |   |         |   |   |          |    |   |   |   |   |   |
| Return on Average Assets                                                    |   |          | 0.07   | %      |     |   | 0.77   | %         |   |   | 0.01         | %      |   |          | -1.04   | % |   |   | -0.55 | % |
| Return on Average Stockholders' Equity                                      |   |          | 0.67   |   |     |   | 6.73   |      |   |   | 0.12         |   |   |          | (9.87   | ) |   |   | (5.35 | ) |
| Average Earning Assets to Average Assets                                    |   |          | 90.39  |   |     |   | 90.34  |      |   |   | 90.64        |   |   |          | 90.28   |   |   |   | 90.82 |   |
| Allowance for Loan Losses as % of Total Loans                               |   |          | 2.86   |   |     |   | 2.84   |      |   |   | 2.82         |   |   |          | 2.81    |   |   |   | 2.54 |   |
| Net Charge Off's as % of Average Loans (Annualized)                         |   |          | 1.84   |   |     |   | 2.14   |      |   |   | 2.18         |   |   |          | 2.49    |   |   |   | 1.64 |   |
| Average Stockholders' Equity to Average Assets                              |   |          | 10.95  |   |     |   | 11.47  |      |   |   | 10.70        |   |   |          | 10.50   |   |   |   | 10.23 |   |
| Tax Equivalent Yield on Earning Assets                                      |   |          | 5.38   |   |     |   | 5.38   |      |   |   | 5.39         |   |   |          | 5.48    |   |   |   | 5.56 |   |
| Cost of Supporting Liabilities                                              |   |          | 1.45   |   |     |   | 1.48   |      |   |   | 1.57         |   |   |          | 1.62    |   |   |   | 1.73 |   |
| Net Interest Margin (FTE) on Earning Assets                                 |   |          | 3.93   |   |     |   | 3.90   |      |   |   | 3.82         |   |   |          | 3.86    |   |   |   | 3.83 |   |

----

| LOANS                                                            |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |
|------------------------------------------------------------------|--------|---------------|-----------|--------|----------|--------|-----------|-----------|--------|--------|--------------|--------|--------|---------------|-----------|
| (Dollars in thousands)                                           |   | September 30, |      |   | June 30, |   |      | March 31, |   |   | December 31, |   |   | September 30, |      |
|                                                             |   | 2010          |      |   | 2010     |   |      | 2010      |   |   | 2009         |   |   | 2009          |      |
| Commercial and industrial loans                                  |   | $             | 550,310   |   |     | $      | 589,157   |      |   | $      | 621,591      |   |   | $             | 675,860   |   |   | $ | 806,289 |   |
| Agricultural production financing and other loans to farmers     |   |          | 99,087    |   |     |   | 108,439   |      |   |   | 109,457      |   |   |          | 121,031   |   |   |   | 124,601 |   |
| Real estate loans:                                               |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |   |   |   |   |   |
| Construction                                                     |   |          | 91,705    |   |     |   | 111,070   |      |   |   | 131,548      |   |   |          | 158,725   |   |   |   | 147,343 |   |
| Commercial and farmland                                          |   |          | 1,207,528 |   |     |   | 1,251,430 |      |   |   | 1,259,588    |   |   |          | 1,254,115 |   |   |   | 1,228,983 |   |
| Residential                                                      |   |          | 779,483   |   |     |   | 816,823   |      |   |   | 821,014      |   |   |          | 841,584   |   |   |   | 855,931 |   |
| Individuals' loans for household and other personal expenditures |   |          | 128,400   |   |     |   | 129,724   |      |   |   | 142,108      |   |   |          | 154,132   |   |   |   | 177,338 |   |
| Tax exempt loans                                                 |   |          | 22,308    |   |     |   | 18,025    |      |   |   | 23,047       |   |   |          | 22,049    |   |   |   | 23,846 |   |
| Lease financing receivables, net of unearned income              |   |          | 5,763     |   |     |   | 6,143     |      |   |   | 6,396        |   |   |          | 7,135     |   |   |   | 7,797 |   |
| Other loans                                                      |   |          | 28,780    |   |     |   | 20,535    |      |   |   | 19,791       |   |   |          | 35,157    |   |   |   | 26,594 |   |
| Loans                                                            |   |          | 2,913,364 |   |     |   | 3,051,346 |      |   |   | 3,134,540    |   |   |          | 3,269,788 |   |   |   | 3,398,722 |   |
| Allowance for loan losses                                        |   |          | (83,660   | )      |     |   | (86,970   | )         |   |   | (88,568      | )      |   |          | (92,131   | ) |   |   | (86,918 | ) |
| NET LOANS                                                        |   | $             | 2,829,704 |   |     | $      | 2,964,376 |      |   | $      | 3,045,972    |   |   | $             | 3,177,657 |   |   | $ | 3,311,804 |   |

| DEPOSITS                                                 |   |          |      |   |     |   |      |      |   |   |         |   |   |          |      |
|----------------------------------------------------------|--------|---------------|-----------|--------|----------|--------|-----------|-----------|--------|--------|--------------|--------|--------|---------------|-----------|
| (Dollars in thousands)                                   |   | September 30, |      |   | June 30, |   |      | March 31, |   |   | December 31, |   |   | September 30, |      |
|                                                     |   | 2010          |      |   | 2010     |   |      | 2010      |   |   | 2009         |   |   | 2009          |      |
| Demand deposits                                          |   | $             | 1,288,975 |   |     | $      | 1,246,006 |      |   | $      | 1,261,305    |   |   | $             | 1,308,741 |   |   | $ | 1,178,372 |   |
| Savings deposits                                         |   |          | 761,181   |   |     |   | 730,105   |      |   |   | 738,742      |   |   |          | 733,142   |   |   |   | 726,894 |   |
| Certificates and other time deposits of $100,000 or more |   |          | 350,623   |   |     |   | 374,016   |      |   |   | 416,113      |   |   |          | 438,264   |   |   |   | 492,875 |   |
| Other certificates and time deposits                     |   |          | 685,917   |   |     |   | 715,941   |      |   |   | 750,382      |   |   |          | 781,509   |   |   |   | 803,173 |   |
| Brokered deposits                                        |   |          | 167,655   |   |     |   | 194,895   |      |   |   | 231,244      |   |   |          | 274,880   |   |   |   | 311,181 |   |
| TOTAL DEPOSITS                                           |   | $             | 3,254,351 |   |     | $      | 3,260,963 |      |   | $      | 3,397,786    |   |   | $             | 3,536,536 |   |   | $ | 3,512,495 |   |

----