----

----

----

| CONSOLIDATED BALANCE SHEETS                                             |   |         |      |   |   |   |
|-------------------------------------------------------------------------|--------|--------------|-----------|--------|--------|--------|
| (Dollars in thousands)                                                  |   | December 31, |      |
|                                                                    |   | 2011         |      |   | 2010   |   |
| ASSETS                                                                  |   |         |      |   |   |   |
| Cash and due from banks                                                 |   | $            | 73,312    |   |   | $      | 50,844 |   |
| Federal funds sold                                                      |   |         |      |   |   |   | 7,463 |   |
| Cash and cash equivalents                                               |   |         | 73,312    |   |   |   | 58,307 |   |
| Interest-bearing time deposits                                          |   |         | 52,851    |   |   |   | 65,216 |   |
| Investment securities                                                   |   |         | 946,400   |   |   |   | 826,797 |   |
| Mortgage loans held for sale                                            |   |         | 17,864    |   |   |   | 21,469 |   |
| Loans                                                                   |   |         | 2,713,415 |   |   |   | 2,835,683 |   |
| Less: Allowance for loan losses                                         |   |         | (70,898   | )      |   |   | (82,977 | ) |
| Net loans                                                               |   |         | 2,642,517 |   |   |   | 2,752,706 |   |
| Premises and equipment                                                  |   |         | 51,013    |   |   |   | 52,450 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |         | 31,270    |   |   |   | 33,884 |   |
| Interest receivable                                                     |   |         | 17,723    |   |   |   | 18,674 |   |
| Core deposit intangibles and goodwill                                   |   |         | 150,471   |   |   |   | 154,019 |   |
| Cash surrender value of life insurance                                  |   |         | 124,329   |   |   |   | 96,731 |   |
| Other real estate owned                                                 |   |         | 16,289    |   |   |   | 20,927 |   |
| Tax asset, deferred and receivable                                      |   |         | 36,424    |   |   |   | 45,623 |   |
| Other assets                                                            |   |         | 12,613    |   |   |   | 24,045 |   |
| TOTAL ASSETS                                                            |   | $            | 4,173,076 |   |   | $      | 4,170,848 |   |
| LIABILITIES                                                             |   |         |      |   |   |   |   |   |
| Deposits:                                                               |   |         |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $            | 646,508   |   |   | $      | 583,696 |   |
| Interest-bearing                                                        |   |         | 2,488,147 |   |   |   | 2,685,184 |   |
| Total Deposits                                                          |   |         | 3,134,655 |   |   |   | 3,268,880 |   |
| Borrowings:                                                             |   |         |      |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |         | 156,305   |   |   |   | 109,871 |   |
| Federal Home Loan Bank advances                                         |   |         | 138,095   |   |   |   | 82,684 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |         | 194,974   |   |   |   | 226,440 |   |
| Total Borrowings                                                        |   |         | 489,374   |   |   |   | 418,995 |   |
| Interest payable                                                        |   |         | 2,925     |   |   |   | 4,262 |   |
| Other liabilities                                                       |   |         | 31,655    |   |   |   | 24,303 |   |
| Total Liabilities                                                       |   |         | 3,658,609 |   |   |   | 3,716,440 |   |
| STOCKHOLDERS' EQUITY                                                    |   |         |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |         |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |         |      |   |   |   |   |   |
| Series A, Issued and outstanding - 0 and 69,600 shares                  |   |         |      |   |   |   | 67,880 |   |
| Preferred Stock, no-par value, $1,000 liquidation value:                |   |         |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |         |      |   |   |   |   |   |
| Senior Non-Cumulative Perpetual Preferred Stock, Series B               |   |         |      |   |   |   |   |   |
| Issued and outstanding - 90,782.94 and 0 shares                         |   |         | 90,783    |   |   |   |   |   |
| 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 - 28,559,707 and 25,574,251 shares               |   |         | 3,570     |   |   |   | 3,197 |   |
| Additional paid-in capital                                              |   |         | 254,874   |   |   |   | 232,503 |   |
| Retained earnings                                                       |   |         | 168,717   |   |   |   | 160,860 |   |
| Accumulated other comprehensive income (loss)                           |   |         | (3,602    | )      |   |   | (10,157 | ) |
| Total Stockholders' Equity                                              |   |         | 514,467   |   |   |   | 454,408 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $            | 4,173,076 |   |   | $      | 4,170,848 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                            |   |               |   |   |                |   |   |   |   |   |    |   |
|------------------------------------------------------------------|--------|--------------------|--------|--------|---------------------|--------|--------|--------|--------|--------|---------|--------|
| (Dollars in thousands, except per share amounts)                 |   | Three Months Ended |   |   | Twelve Months Ended |   |
|                                                             |   | December 31,       |   |   | December 31,        |   |
|                                                             |   | 2011               |   |   | 2010                |   |   | 2011   |   |   | 2010    |   |
| INTEREST INCOME                                                  |   |               |   |   |                |   |   |   |   |   |    |   |
| Loans receivable:                                                |   |               |   |   |                |   |   |   |   |   |    |   |
| Taxable                                                          |   | $                  | 36,497 |   |                | $      | 41,497 |   |   | $      | 149,716 |   |   | $ | 174,070 |   |
| Tax-exempt                                                       |   |               | 93     |   |                |   | (250   | )      |   |   | 528     |   |   |   | 515 |   |
| Investment securities:                                           |   |               |   |   |                |   |   |   |   |   |    |   |   |   |   |   |
| Taxable                                                          |   |               | 4,565  |   |                |   | 3,680  |   |   |   | 19,230  |   |   |   | 12,957 |   |
| Tax-exempt                                                       |   |               | 2,550  |   |                |   | 2,573  |   |   |   | 10,167  |   |   |   | 10,377 |   |
| Federal funds sold                                               |   |               |   |   |                |   | 3      |   |   |   | 3       |   |   |   | 26 |   |
| Deposits with financial institutions                             |   |               | 54     |   |                |   | 142    |   |   |   | 282     |   |   |   | 381 |   |
| Federal Reserve and Federal Home Loan Bank stock                 |   |               | 314    |   |                |   | 312    |   |   |   | 1,319   |   |   |   | 1,252 |   |
| Total Interest Income                                            |   |               | 44,073 |   |                |   | 47,957 |   |   |   | 181,245 |   |   |   | 199,578 |   |
| INTEREST EXPENSE                                                 |   |               |   |   |                |   |   |   |   |   |    |   |   |   |   |   |
| Deposits                                                         |   |               | 4,505  |   |                |   | 8,427  |   |   |   | 22,281  |   |   |   | 39,876 |   |
| Federal funds purchased                                          |   |               | 3      |   |                |   |   |   |   |   | 25      |   |   |   | 5 |   |
| Securities sold under repurchase agreements                      |   |               | 363    |   |                |   | 383    |   |   |   | 1,511   |   |   |   | 1,712 |   |
| Federal Home Loan Bank advances                                  |   |               | 1,114  |   |                |   | 1,146  |   |   |   | 4,181   |   |   |   | 5,368 |   |
| Subordinated debentures, revolving credit lines and term loans   |   |               | 1,908  |   |                |   | 2,508  |   |   |   | 9,892   |   |   |   | 9,048 |   |
| Total Interest Expense                                           |   |               | 7,893  |   |                |   | 12,464 |   |   |   | 37,890  |   |   |   | 56,009 |   |
| NET INTEREST INCOME                                              |   |               | 36,180 |   |                |   | 35,493 |   |   |   | 143,355 |   |   |   | 143,569 |   |
| Provision for loan losses                                        |   |               | 5,855  |   |                |   | 7,078  |   |   |   | 22,630  |   |   |   | 46,483 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES              |   |               | 30,325 |   |                |   | 28,415 |   |   |   | 120,725 |   |   |   | 97,086 |   |
| OTHER INCOME                                                     |   |               |   |   |                |   |   |   |   |   |    |   |   |   |   |   |
| Service charges on deposit accounts                              |   |               | 3,027  |   |                |   | 3,111  |   |   |   | 11,972  |   |   |   | 13,283 |   |
| Fiduciary activities                                             |   |               | 1,804  |   |                |   | 1,881  |   |   |   | 7,650   |   |   |   | 7,692 |   |
| Other customer fees                                              |   |               | 2,572  |   |                |   | 2,217  |   |   |   | 10,024  |   |   |   | 8,990 |   |
| Commission income                                                |   |               | 1,220  |   |                |   | 1,267  |   |   |   | 5,660   |   |   |   | 6,225 |   |
| Earnings on cash surrender value of life insurance               |   |               | 803    |   |                |   | 524    |   |   |   | 2,596   |   |   |   | 2,098 |   |
| Net gains and fees on sales of loans                             |   |               | 2,747  |   |                |   | 2,384  |   |   |   | 7,418   |   |   |   | 6,806 |   |
| Net realized gains on sales of available for sale securities     |   |               | 290    |   |                |   | 1,305  |   |   |   | 2,439   |   |   |   | 3,406 |   |
| Other-than-temporary impairment on available for sale securities |   |               |   |   |                |   |   |   |   |   | (400    | )      |   |   | (1,544 | ) |
| Other income                                                     |   |               | 508    |   |                |   | 904    |   |   |   | 1,761   |   |   |   | 1,588 |   |
| Total Other Income                                               |   |               | 12,971 |   |                |   | 13,593 |   |   |   | 49,120  |   |   |   | 48,544 |   |
| OTHER EXPENSES                                                   |   |               |   |   |                |   |   |   |   |   |    |   |   |   |   |   |
| Salaries and employee benefits                                   |   |               | 19,035 |   |                |   | 19,655 |   |   |   | 74,735  |   |   |   | 73,253 |   |
| Net occupancy                                                    |   |               | 2,428  |   |                |   | 2,452  |   |   |   | 10,118  |   |   |   | 9,935 |   |
| Equipment                                                        |   |               | 1,672  |   |                |   | 1,812  |   |   |   | 6,794   |   |   |   | 7,323 |   |
| Marketing                                                        |   |               | 650    |   |                |   | 527    |   |   |   | 2,002   |   |   |   | 1,970 |   |
| Outside data processing fees                                     |   |               | 1,377  |   |                |   | 1,154  |   |   |   | 5,671   |   |   |   | 5,093 |   |
| Printing and office supplies                                     |   |               | 340    |   |                |   | 317    |   |   |   | 1,242   |   |   |   | 1,259 |   |
| Core deposit amortization                                        |   |               | 591    |   |                |   | 1,161  |   |   |   | 3,548   |   |   |   | 4,721 |   |
| FDIC assessments                                                 |   |               | 775    |   |                |   | 2,044  |   |   |   | 5,531   |   |   |   | 8,121 |   |
| Other real estate owned and credit-related expenses              |   |               | 2,569  |   |                |   | 5,257  |   |   |   | 10,614  |   |   |   | 12,436 |   |
| Other expenses                                                   |   |               | 3,999  |   |                |   | 3,814  |   |   |   | 15,683  |   |   |   | 18,200 |   |
| Total Other Expenses                                             |   |               | 33,436 |   |                |   | 38,193 |   |   |   | 135,938 |   |   |   | 142,311 |   |
| INCOME BEFORE INCOME TAX                                         |   |               | 9,860  |   |                |   | 3,815  |   |   |   | 33,907  |   |   |   | 3,319 |   |
| Income tax expense (benefit)                                     |   |               | 2,299  |   |                |   | (216   | )      |   |   | 8,655   |   |   |   | (3,590 | ) |
| NET INCOME                                                       |   |               | 7,561  |   |                |   | 4,031  |   |   |   | 25,252  |   |   |   | 6,909 |   |
| Gain on exchange of preferred stock for trust preferred debt     |   |               |   |   |                |   |   |   |   |   |    |   |   |   | 11,353 |   |
| Loss on CPP unamortized discount                                 |   |               |   |   |                |   |   |   |   |   | (1,401  | )      |   |   | (1,301 | ) |
| Loss on extinguishment of trust preferred securities             |   |               |   |   |                |   |   |   |   |   | (10,857 | )      |   |   |   |   |
| Preferred stock dividends and discount accretion                 |   |               | (1,135 | )      |                |   | (1,476 | )      |   |   | (3,981  | )      |   |   | (5,239 | ) |
| NET INCOME AVAILABLE TO COMMON STOCKHOLDERS                      |   | $                  | 6,426  |   |                | $      | 2,555  |   |   | $      | 9,013   |   |   | $ | 11,722 |   |
|   Per Share Data:                                      |   |               |   |   |                |   |   |   |   |   |    |   |   |   |   |   |
| Basic Net Income Available to Common Stockholders                |   | $                  | 0.24   |   |                | $      | 0.10   |   |   | $      | 0.34    |   |   | $ | 0.48 |   |
| Diluted Net Income Available to Common Stockholders              |   | $                  | 0.24   |   |                | $      | 0.10   |   |   | $      | 0.34    |   |   | $ | 0.48 |   |
| Cash Dividends Paid                                              |   | $                  | 0.01   |   |                | $      | 0.01   |   |   | $      | 0.04    |   |   | $ | 0.04 |   |
| Average Diluted Shares Outstanding (in thousands)                |   |               | 28,700 |   |                |   | 25,737 |   |   |   | 26,694  |   |   |   | 24,642 |   |

----

| FINANCIAL HIGHLIGHTS                                |   |               |      |   |                |   |      |   |   |   |      |   |
|-----------------------------------------------------|--------|--------------------|-----------|--------|---------------------|--------|-----------|--------|--------|--------|-----------|--------|
| (Dollars in thousands)                              |   | Three Months Ended |      |   | Twelve Months Ended |   |
|                                                |   | December 31,       |      |   | December 31,        |   |
|                                                |   | 2011               |      |   | 2010                |   |      | 2011   |   |   | 2010      |   |
| NET CHARGE OFF'S                                    |   | $                  | 8,031     |   |                | $      | 7,761     |   |   | $      | 34,709    |   |   | $ | 55,637 |   |
|                                                |   |               |      |   |                |   |      |   |   |   |      |   |   |   |   |   |
| AVERAGE BALANCES:                                   |   |               |      |   |                |   |      |   |   |   |      |   |   |   |   |   |
| Total Assets                                        |   | $                  | 4,200,685 |   |                | $      | 4,249,194 |   |   | $      | 4,143,850 |   |   | $ | 4,271,715 |   |
| Total Loans                                         |   |               | 2,719,155 |   |                |   | 2,893,657 |   |   |   | 2,748,684 |   |   |   | 3,050,850 |   |
| Total Earning Assets                                |   |               | 3,766,352 |   |                |   | 3,835,814 |   |   |   | 3,744,027 |   |   |   | 3,862,493 |   |
| Total Deposits                                      |   |               | 3,165,505 |   |                |   | 3,323,209 |   |   |   | 3,175,762 |   |   |   | 3,337,747 |   |
| Total Stockholders' Equity                          |   |               | 513,366   |   |                |   | 464,250   |   |   |   | 478,440   |   |   |   | 470,379 |   |
|                                                |   |               |      |   |                |   |      |   |   |   |      |   |   |   |   |   |
| FINANCIAL RATIOS:                                   |   |               |      |   |                |   |      |   |   |   |      |   |   |   |   |   |
| Return on Average Assets                            |   |               | 0.61      | %      |                |   | 0.24      | %      |   |   | 0.22      | %      |   |   | 0.27 | % |
| Return on Average Stockholders' Equity              |   |               | 5.01      |   |                |   | 2.20      |   |   |   | 1.88      |   |   |   | 2.49 |   |
| Average Earning Assets to Average Assets            |   |               | 89.66     |   |                |   | 90.27     |   |   |   | 90.35     |   |   |   | 90.42 |   |
| Allowance for Loan Losses as % of Total Loans       |   |               | 2.60      |   |                |   | 2.90      |   |   |   | 2.60      |   |   |   | 2.90 |   |
| Net Charge Off's as % of Average Loans (Annualized) |   |               | 1.18      |   |                |   | 1.07      |   |   |   | 1.26      |   |   |   | 1.82 |   |
| Average Stockholders' Equity to Average Assets      |   |               | 12.22     |   |                |   | 10.93     |   |   |   | 11.55     |   |   |   | 11.01 |   |
| Tax Equivalent Yield on Earning Assets              |   |               | 4.83      |   |                |   | 5.13      |   |   |   | 4.99      |   |   |   | 5.32 |   |
| Cost of Supporting Liabilities                      |   |               | 0.84      |   |                |   | 1.30      |   |   |   | 1.01      |   |   |   | 1.45 |   |
| Net Interest Margin (FTE) on Earning Assets         |   |               | 3.99      |   |                |   | 3.83      |   |   |   | 3.98      |   |   |   | 3.87 |   |

| NON-PERFORMING ASSETS                    |   |         |    |   |          |   |    |     |   |   |      |   |   |         |    |
|------------------------------------------|--------|--------------|---------|--------|---------------|--------|---------|----------|--------|--------|-----------|--------|--------|--------------|---------|
| (Dollars in thousands)                   |   | December 31, |    |   | September 30, |   |    | June 30, |   |   | March 31, |   |   | December 31, |    |
|                                     |   | 2011         |    |   | 2011          |   |    | 2011     |   |   | 2011      |   |   | 2010         |    |
| Non-Accrual Loans                        |   | $            | 69,592  |   |          | $      | 78,933  |     |   | $      | 87,583    |   |   | $            | 87,712  |   |   | $ | 90,591 |   |
| Renegotiated Loans                       |   |         | 14,308  |   |          |   | 6,701   |     |   |   | 6,269     |   |   |         | 2,125   |   |   |   | 7,139 |   |
| Non-Performing Loans (NPL)               |   |         | 83,900  |   |          |   | 85,634  |     |   |   | 93,852    |   |   |         | 89,837  |   |   |   | 97,730 |   |
| Real Estate Owned and Repossessed Assets |   |         | 16,289  |   |          |   | 19,425  |     |   |   | 15,437    |   |   |         | 17,056  |   |   |   | 20,927 |   |
| Non-Performing Assets (NPA)              |   |         | 100,189 |   |          |   | 105,059 |     |   |   | 109,289   |   |   |         | 106,893 |   |   |   | 118,657 |   |
| 90+ Days Delinquent                      |   |         | 580     |   |          |   | 1,595   |     |   |   | 227       |   |   |         | 752     |   |   |   | 1,330 |   |
| NPAS & 90 Day Delinquent             |   | $            | 100,769 |   |          | $      | 106,654 |     |   | $      | 109,516   |   |   | $            | 107,645 |   |   | $ | 119,987 |   |
|   Loan Loss Reserve            |   | $            | 70,898  |   |          | $      | 73,074  |     |   | $      | 77,133    |   |   | $            | 80,936  |   |   | $ | 82,977 |   |
| YTD Charge-offs                          |   |         | 34,709  |   |          |   | 26,678  |     |   |   | 17,063    |   |   |         | 7,635   |   |   |   | 55,637 |   |
| NPAs / Actual Assets %                   |   |         | 2.40    | %      |          |   | 2.55    | %        |   |   | 2.67      | %      |   |         | 2.60    | % |   |   | 2.84 | % |
| NPAs & 90 Day / Actual Assets %      |   |         | 2.41    | %      |          |   | 2.59    | %        |   |   | 2.67      | %      |   |         | 2.61    | % |   |   | 2.88 | % |
| NPAs / Actual Loans and REO %            |   |         | 3.65    | %      |          |   | 3.83    | %        |   |   | 3.98      | %      |   |         | 3.84    | % |   |   | 4.12 | % |
| Loan Loss Reserves / Actual Loans (%)    |   |         | 2.60    | %      |          |   | 2.68    | %        |   |   | 2.83      | %      |   |         | 2.93    | % |   |   | 2.90 | % |
| NCOs / YTD Average Loans (%)             |   |         | 1.26    | %      |          |   | 0.97    | %        |   |   | 0.61      | %      |   |         | 0.27    | % |   |   | 1.82 | % |

----

| CONSOLIDATED BALANCE SHEETS                                             |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |
|-------------------------------------------------------------------------|--------|--------------|-----------|--------|---------------|--------|-----------|----------|--------|--------|-----------|--------|--------|--------------|-----------|
| (Dollars in thousands)                                                  |   | December 31, |      |   | September 30, |   |      | June 30, |   |   | March 31, |   |   | December 31, |      |
|                                                                    |   | 2011         |      |   | 2011          |   |      | 2011     |   |   | 2011      |   |   | 2010         |      |
| ASSETS                                                                  |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |
| Cash and due from banks                                                 |   | $            | 73,312    |   |          | $      | 60,166    |     |   | $      | 50,874    |   |   | $            | 44,283    |   |   | $ | 50,844 |   |
| Federal funds sold                                                      |   |         |      |   |          |   |      |     |   |   |      |   |   |         | 6,092     |   |   |   | 7,463 |   |
| Cash and cash equivalents                                               |   |         | 73,312    |   |          |   | 60,166    |     |   |   | 50,874    |   |   |         | 50,375    |   |   |   | 58,307 |   |
| Interest-bearing time deposits                                          |   |         | 52,851    |   |          |   | 16,115    |     |   |   | 15,865    |   |   |         | 61,843    |   |   |   | 65,216 |   |
| Investment securities                                                   |   |         | 946,400   |   |          |   | 937,828   |     |   |   | 938,366   |   |   |         | 886,029   |   |   |   | 826,797 |   |
| Mortgage loans held for sale                                            |   |         | 17,864    |   |          |   | 12,257    |     |   |   | 4,846     |   |   |         | 2,111     |   |   |   | 21,469 |   |
| Loans                                                                   |   |         | 2,713,415 |   |          |   | 2,712,938 |     |   |   | 2,724,022 |   |   |         | 2,764,128 |   |   |   | 2,835,683 |   |
| Less: Allowance for loan losses                                         |   |         | (70,898   | )      |          |   | (73,074   | )        |   |   | (77,133   | )      |   |         | (80,936   | ) |   |   | (82,977 | ) |
| Net loans                                                               |   |         | 2,642,517 |   |          |   | 2,639,864 |     |   |   | 2,646,889 |   |   |         | 2,683,192 |   |   |   | 2,752,706 |   |
| Premises and equipment                                                  |   |         | 51,013    |   |          |   | 51,432    |     |   |   | 51,851    |   |   |         | 51,818    |   |   |   | 52,450 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |         | 31,270    |   |          |   | 31,381    |     |   |   | 31,384    |   |   |         | 33,801    |   |   |   | 33,884 |   |
| Interest receivable                                                     |   |         | 17,723    |   |          |   | 17,770    |     |   |   | 17,001    |   |   |         | 17,583    |   |   |   | 18,674 |   |
| Core deposit intangibles and goodwill                                   |   |         | 150,471   |   |          |   | 151,062   |     |   |   | 151,817   |   |   |         | 152,918   |   |   |   | 154,019 |   |
| Cash surrender value of life insurance                                  |   |         | 124,329   |   |          |   | 123,524   |     |   |   | 102,880   |   |   |         | 102,309   |   |   |   | 96,731 |   |
| Other real estate owned                                                 |   |         | 16,289    |   |          |   | 19,425    |     |   |   | 15,437    |   |   |         | 17,056    |   |   |   | 20,927 |   |
| Tax asset, deferred and receivable                                      |   |         | 36,424    |   |          |   | 35,804    |     |   |   | 36,790    |   |   |         | 38,224    |   |   |   | 45,623 |   |
| Other assets                                                            |   |         | 12,613    |   |          |   | 21,881    |     |   |   | 30,218    |   |   |         | 19,916    |   |   |   | 24,045 |   |
| TOTAL ASSETS                                                            |   | $            | 4,173,076 |   |          | $      | 4,118,509 |     |   | $      | 4,094,218 |   |   | $            | 4,117,175 |   |   | $ | 4,170,848 |   |
| LIABILITIES                                                             |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Deposits:                                                               |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $            | 646,508   |   |          | $      | 598,139   |     |   | $      | 590,199   |   |   | $            | 586,973   |   |   | $ | 583,696 |   |
| Interest-bearing                                                        |   |         | 2,488,147 |   |          |   | 2,466,111 |     |   |   | 2,552,334 |   |   |         | 2,565,363 |   |   |   | 2,685,184 |   |
| Total Deposits                                                          |   |         | 3,134,655 |   |          |   | 3,064,250 |     |   |   | 3,142,533 |   |   |         | 3,152,336 |   |   |   | 3,268,880 |   |
| Borrowings:                                                             |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Federal funds purchased                                                 |   |         |      |   |          |   | 27,946    |     |   |   | 22,978    |   |   |         |      |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |         | 156,305   |   |          |   | 117,097   |     |   |   | 124,236   |   |   |         | 115,684   |   |   |   | 109,871 |   |
| Federal Home Loan Bank advances                                         |   |         | 138,095   |   |          |   | 168,764   |     |   |   | 74,050    |   |   |         | 104,697   |   |   |   | 82,684 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |         | 194,974   |   |          |   | 194,961   |     |   |   | 226,580   |   |   |         | 226,400   |   |   |   | 226,440 |   |
| Total Borrowings                                                        |   |         | 489,374   |   |          |   | 508,768   |     |   |   | 447,844   |   |   |         | 446,781   |   |   |   | 418,995 |   |
| Interest payable                                                        |   |         | 2,925     |   |          |   | 2,186     |     |   |   | 3,601     |   |   |         | 3,117     |   |   |   | 4,262 |   |
| Other liabilities                                                       |   |         | 31,655    |   |          |   | 30,760    |     |   |   | 31,762    |   |   |         | 52,419    |   |   |   | 24,303 |   |
| Total Liabilities                                                       |   |         | 3,658,609 |   |          |   | 3,605,964 |     |   |   | 3,625,740 |   |   |         | 3,654,653 |   |   |   | 3,716,440 |   |
| STOCKHOLDERS' EQUITY                                                    |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Series A, Issued and outstanding                                        |   |         |      |   |          |   |      |     |   |   | 68,118    |   |   |         | 67,998    |   |   |   | 67,880 |   |
| Preferred Stock, no-par value, $1,000 liquidation value:                |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Senior Non-Cumulative Perpetual Preferred Stock, Series B               |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Issued and outstanding                                                  |   |         | 90,783    |   |          |   | 90,783    |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Cumulative Preferred Stock, $1,000 par value, $1,000 liquidation value: |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Authorized -- 600 shares                                                |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Issued and outstanding                                                  |   |         | 125       |   |          |   | 125       |     |   |   | 125       |   |   |         | 125       |   |   |   | 125 |   |
| Common Stock, $.125 stated value:                                       |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Authorized -- 50,000,000 shares                                         |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Issued and outstanding                                                  |   |         | 3,570     |   |          |   | 3,567     |     |   |   | 3,211     |   |   |         | 3,206     |   |   |   | 3,197 |   |
| Additional paid-in capital                                              |   |         | 254,874   |   |          |   | 254,801   |     |   |   | 233,544   |   |   |         | 233,032   |   |   |   | 232,503 |   |
| Retained earnings                                                       |   |         | 168,717   |   |          |   | 162,669   |     |   |   | 169,313   |   |   |         | 165,075   |   |   |   | 160,860 |   |
| Accumulated other comprehensive income (loss)                           |   |         | (3,602    | )      |          |   | 600       |     |   |   | (5,833    | )      |   |         | (6,914    | ) |   |   | (10,157 | ) |
| Total Stockholders' Equity                                              |   |         | 514,467   |   |          |   | 512,545   |     |   |   | 468,478   |   |   |         | 462,522   |   |   |   | 454,408 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $            | 4,173,076 |   |          | $      | 4,118,509 |     |   | $      | 4,094,218 |   |   | $            | 4,117,175 |   |   | $ | 4,170,848 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                            |   |         |   |   |          |   |    |     |   |   |      |   |   |         |   |
|------------------------------------------------------------------|--------|--------------|--------|--------|---------------|--------|---------|----------|--------|--------|-----------|--------|--------|--------------|--------|
| (Dollars in thousands, except per share amounts)                 |   | December 31, |   |   | September 30, |   |    | June 30, |   |   | March 31, |   |   | December 31, |   |
|                                                             |   | 2011         |   |   | 2011          |   |    | 2011     |   |   | 2011      |   |   | 2010         |   |
| INTEREST INCOME                                                  |   |         |   |   |          |   |    |     |   |   |      |   |   |         |   |
| Loans receivable:                                                |   |         |   |   |          |   |    |     |   |   |      |   |   |         |   |
| Taxable                                                          |   | $            | 36,497 |   |          | $      | 37,024  |     |   | $      | 37,457    |   |   | $            | 38,738 |   |   | $ | 41,497 |   |
| Tax exempt                                                       |   |         | 93     |   |          |   | 86      |     |   |   | 247       |   |   |         | 102    |   |   |   | (250 | ) |
| Investment securities:                                           |   |         |   |   |          |   |    |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Taxable                                                          |   |         | 4,565  |   |          |   | 5,078   |     |   |   | 5,040     |   |   |         | 4,547  |   |   |   | 3,680 |   |
| Tax exempt                                                       |   |         | 2,550  |   |          |   | 2,529   |     |   |   | 2,535     |   |   |         | 2,553  |   |   |   | 2,573 |   |
| Federal funds sold                                               |   |         |   |   |          |   |    |     |   |   | 1         |   |   |         | 2      |   |   |   | 3 |   |
| Deposits with financial institutions                             |   |         | 54     |   |          |   | 45      |     |   |   | 100       |   |   |         | 83     |   |   |   | 142 |   |
| Federal Reserve and Federal Home Loan Bank stock                 |   |         | 314    |   |          |   | 323     |     |   |   | 341       |   |   |         | 341    |   |   |   | 312 |   |
| Total Interest Income                                            |   |         | 44,073 |   |          |   | 45,085  |     |   |   | 45,721    |   |   |         | 46,366 |   |   |   | 47,957 |   |
| INTEREST EXPENSE                                                 |   |         |   |   |          |   |    |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Deposits                                                         |   |         | 4,505  |   |          |   | 5,046   |     |   |   | 5,864     |   |   |         | 6,866  |   |   |   | 8,427 |   |
| Federal funds purchased                                          |   |         | 3      |   |          |   | 16      |     |   |   | 3         |   |   |         | 3      |   |   |   |   |   |
| Securities sold under repurchase agreements                      |   |         | 363    |   |          |   | 384     |     |   |   | 386       |   |   |         | 378    |   |   |   | 383 |   |
| Federal Home Loan Bank advances                                  |   |         | 1,114  |   |          |   | 1,089   |     |   |   | 977       |   |   |         | 1,001  |   |   |   | 1,146 |   |
| Subordinated debentures, revolving credit lines and term loans   |   |         | 1,908  |   |          |   | 2,699   |     |   |   | 2,644     |   |   |         | 2,641  |   |   |   | 2,508 |   |
| Total Interest Expense                                           |   |         | 7,893  |   |          |   | 9,234   |     |   |   | 9,874     |   |   |         | 10,889 |   |   |   | 12,464 |   |
| NET INTEREST INCOME                                              |   |         | 36,180 |   |          |   | 35,851  |     |   |   | 35,847    |   |   |         | 35,477 |   |   |   | 35,493 |   |
| Provision for loan losses                                        |   |         | 5,855  |   |          |   | 5,556   |     |   |   | 5,625     |   |   |         | 5,594  |   |   |   | 7,078 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES              |   |         | 30,325 |   |          |   | 30,295  |     |   |   | 30,222    |   |   |         | 29,883 |   |   |   | 28,415 |   |
| OTHER INCOME                                                     |   |         |   |   |          |   |    |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Service charges on deposit accounts                              |   |         | 3,027  |   |          |   | 3,169   |     |   |   | 2,997     |   |   |         | 2,779  |   |   |   | 3,111 |   |
| Fiduciary activities                                             |   |         | 1,804  |   |          |   | 1,881   |     |   |   | 1,929     |   |   |         | 2,036  |   |   |   | 1,881 |   |
| Other customer fees                                              |   |         | 2,572  |   |          |   | 2,583   |     |   |   | 2,634     |   |   |         | 2,235  |   |   |   | 2,217 |   |
| Commission income                                                |   |         | 1,220  |   |          |   | 1,528   |     |   |   | 1,024     |   |   |         | 1,888  |   |   |   | 1,267 |   |
| Earnings on cash surrender value of life insurance               |   |         | 803    |   |          |   | 644     |     |   |   | 571       |   |   |         | 578    |   |   |   | 524 |   |
| Net gains and fees on sales of loans                             |   |         | 2,747  |   |          |   | 1,768   |     |   |   | 1,030     |   |   |         | 1,873  |   |   |   | 2,384 |   |
| Net realized gains on sales of available for sale securities     |   |         | 290    |   |          |   | 861     |     |   |   | 825       |   |   |         | 463    |   |   |   | 1,305 |   |
| Other-than-temporary impairment on available for sale securities |   |         |   |   |          |   |    |     |   |   |      |   |   |         | (400   | ) |   |   |   |   |
| Other income                                                     |   |         | 508    |   |          |   | 796     |     |   |   | 51        |   |   |         | 406    |   |   |   | 904 |   |
| Total Other Income                                               |   |         | 12,971 |   |          |   | 13,230  |     |   |   | 11,061    |   |   |         | 11,858 |   |   |   | 13,593 |   |
| OTHER EXPENSES                                                   |   |         |   |   |          |   |    |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Salaries and employee benefits                                   |   |         | 19,035 |   |          |   | 19,964  |     |   |   | 18,560    |   |   |         | 17,176 |   |   |   | 19,655 |   |
| Net occupancy                                                    |   |         | 2,428  |   |          |   | 2,530   |     |   |   | 2,415     |   |   |         | 2,745  |   |   |   | 2,452 |   |
| Equipment                                                        |   |         | 1,672  |   |          |   | 1,662   |     |   |   | 1,677     |   |   |         | 1,783  |   |   |   | 1,812 |   |
| Marketing                                                        |   |         | 650    |   |          |   | 534     |     |   |   | 436       |   |   |         | 382    |   |   |   | 527 |   |
| Outside data processing fees                                     |   |         | 1,377  |   |          |   | 1,391   |     |   |   | 1,458     |   |   |         | 1,445  |   |   |   | 1,154 |   |
| Printing and office supplies                                     |   |         | 340    |   |          |   | 301     |     |   |   | 313       |   |   |         | 288    |   |   |   | 317 |   |
| Core deposit amortization                                        |   |         | 591    |   |          |   | 755     |     |   |   | 1,101     |   |   |         | 1,101  |   |   |   | 1,161 |   |
| FDIC assessments                                                 |   |         | 775    |   |          |   | 1,201   |     |   |   | 1,451     |   |   |         | 2,104  |   |   |   | 2,044 |   |
| Other real estate owned and credit-related expenses              |   |         | 2,569  |   |          |   | 2,007   |     |   |   | 2,843     |   |   |         | 3,195  |   |   |   | 5,257 |   |
| Other expenses                                                   |   |         | 3,999  |   |          |   | 3,877   |     |   |   | 4,145     |   |   |         | 3,662  |   |   |   | 3,814 |   |
| Total Other Expenses                                             |   |         | 33,436 |   |          |   | 34,222  |     |   |   | 34,399    |   |   |         | 33,881 |   |   |   | 38,193 |   |
| INCOME BEFORE INCOME TAX                                         |   |         | 9,860  |   |          |   | 9,303   |     |   |   | 6,884     |   |   |         | 7,860  |   |   |   | 3,815 |   |
| Income tax expense (benefit)                                     |   |         | 2,299  |   |          |   | 2,561   |     |   |   | 1,396     |   |   |         | 2,399  |   |   |   | (216 | ) |
| NET INCOME                                                       |   |         | 7,561  |   |          |   | 6,742   |     |   |   | 5,488     |   |   |         | 5,461  |   |   |   | 4,031 |   |
| Loss on CPP unamortized discount                                 |   |         |   |   |          |   | (1,401  | )        |   |   |      |   |   |         |   |   |   |   |   |   |
| Loss on extinguishment of trust preferred securities             |   |         |   |   |          |   | (10,857 | )        |   |   |      |   |   |         |   |   |   |   |   |   |
| Preferred stock dividends and discount accretion                 |   |         | (1,135 | )      |          |   | (868    | )        |   |   | (990      | )      |   |         | (988   | ) |   |   | (1,476 | ) |
| NET INCOME (LOSS) AVAILABLE TO COMMON STOCKHOLDERS               |   | $            | 6,426  |   |          | $      | (6,384  | )        |   | $      | 4,498     |   |   | $            | 4,473  |   |   | $ | 2,555 |   |
|   PER SHARE:                                           |   |         |   |   |          |   |    |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Basic Net Income (Loss) Available to Common Stockholders         |   | $            | 0.24   |   |          | $      | (0.25   | )        |   | $      | 0.18      |   |   | $            | 0.17   |   |   | $ | 0.10 |   |
| Diluted Net Income (Loss) Available to Common Stockholders       |   | $            | 0.24   |   |          | $      | (0.25   | )        |   | $      | 0.18      |   |   | $            | 0.17   |   |   | $ | 0.10 |   |
| Cash Dividends Paid                                              |   | $            | 0.01   |   |          | $      | 0.01    |     |   | $      | 0.01      |   |   | $            | 0.01   |   |   | $ | 0.01 |   |
| Average Diluted Shares Outstanding (in thousands)                |   |         | 28,700 |   |          |   | 26,367  |     |   |   | 25,783    |   |   |         | 25,763 |   |   |   | 25,737 |   |
| FINANCIAL RATIOS:                                                |   |         |   |   |          |   |    |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Return on Average Assets                                         |   |         | 0.61   | %      |          |   | -0.62   | %        |   |   | 0.43      | %      |   |         | 0.43   | % |   |   | 0.24 | % |
| Return on Average Stockholders' Equity                           |   |         | 5.01   |   |          |   | (5.33   | )        |   |   | 3.87      |   |   |         | 3.92   |   |   |   | 2.20 |   |
| Average Earning Assets to Average Assets                         |   |         | 89.66  |   |          |   | 90.30   |     |   |   | 90.64     |   |   |         | 90.83  |   |   |   | 90.27 |   |
| Allowance for Loan Losses as % of Total Loans                    |   |         | 2.60   |   |          |   | 2.68    |     |   |   | 2.83      |   |   |         | 2.93   |   |   |   | 2.90 |   |
| Net Charge Off's as % of Average Loans (Annualized)              |   |         | 1.18   |   |          |   | 1.41    |     |   |   | 1.37      |   |   |         | 1.09   |   |   |   | 1.07 |   |
| Average Stockholders' Equity to Average Assets                   |   |         | 12.22  |   |          |   | 11.64   |     |   |   | 11.23     |   |   |         | 11.07  |   |   |   | 10.93 |   |
| Tax Equivalent Yield on Earning Assets                           |   |         | 4.83   |   |          |   | 5.01    |     |   |   | 5.04      |   |   |         | 5.11   |   |   |   | 5.13 |   |
| Cost of Supporting Liabilities                                   |   |         | 0.84   |   |          |   | 0.99    |     |   |   | 1.05      |   |   |         | 1.16   |   |   |   | 1.30 |   |
| Net Interest Margin (FTE) on Earning Assets                      |   |         | 3.99   |   |          |   | 4.02    |     |   |   | 3.99      |   |   |         | 3.95   |   |   |   | 3.83 |   |

----

| LOANS                                                            |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |
|------------------------------------------------------------------|--------|--------------|-----------|--------|---------------|--------|-----------|----------|--------|--------|-----------|--------|--------|--------------|-----------|
| (Dollars in thousands)                                           |   | December 31, |      |   | September 30, |   |      | June 30, |   |   | March 31, |   |   | December 31, |      |
|                                                             |   | 2011         |      |   | 2011          |   |      | 2011     |   |   | 2011      |   |   | 2010         |      |
| Commercial and industrial loans                                  |   | $            | 532,523   |   |          | $      | 518,848   |     |   | $      | 529,742   |   |   | $            | 529,110   |   |   | $ | 530,322 |   |
| Agricultural production financing and other loans to farmers     |   |         | 104,526   |   |          |   | 106,761   |     |   |   | 99,360    |   |   |         | 89,032    |   |   |   | 95,516 |   |
| Real estate loans:                                               |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Construction                                                     |   |         | 81,780    |   |          |   | 70,044    |     |   |   | 96,308    |   |   |         | 103,956   |   |   |   | 106,615 |   |
| Commercial and farm land                                         |   |         | 1,194,230 |   |          |   | 1,196,270 |     |   |   | 1,171,901 |   |   |         | 1,199,078 |   |   |   | 1,229,037 |   |
| Residential                                                      |   |         | 481,493   |   |          |   | 495,954   |     |   |   | 495,256   |   |   |         | 504,538   |   |   |   | 522,051 |   |
| Home Equity                                                      |   |         | 191,631   |   |          |   | 196,191   |     |   |   | 191,839   |   |   |         | 195,235   |   |   |   | 201,969 |   |
| Individuals' loans for household and other personal expenditures |   |         | 84,172    |   |          |   | 90,810    |     |   |   | 94,123    |   |   |         | 104,701   |   |   |   | 115,295 |   |
| Lease financing receivables, net of unearned income              |   |         | 3,555     |   |          |   | 4,160     |     |   |   | 4,399     |   |   |         | 4,706     |   |   |   | 5,157 |   |
| Other loans                                                      |   |         | 39,505    |   |          |   | 33,900    |     |   |   | 41,094    |   |   |         | 33,772    |   |   |   | 29,721 |   |
| Loans                                                            |   |         | 2,713,415 |   |          |   | 2,712,938 |     |   |   | 2,724,022 |   |   |         | 2,764,128 |   |   |   | 2,835,683 |   |
| Allowance for loan losses                                        |   |         | (70,898   | )      |          |   | (73,074   | )        |   |   | (77,133   | )      |   |         | (80,936   | ) |   |   | (82,977 | ) |
| NET LOANS                                                        |   | $            | 2,642,517 |   |          | $      | 2,639,864 |     |   | $      | 2,646,889 |   |   | $            | 2,683,192 |   |   | $ | 2,752,706 |   |

| DEPOSITS                                                 |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |
|----------------------------------------------------------|--------|--------------|-----------|--------|---------------|--------|-----------|----------|--------|--------|-----------|--------|--------|--------------|-----------|
| (Dollars in thousands)                                   |   | December 31, |      |   | September 30, |   |      | June 30, |   |   | March 31, |   |   | December 31, |      |
|                                                     |   | 2011         |      |   | 2011          |   |      | 2011     |   |   | 2011      |   |   | 2010         |      |
| Demand deposits                                          |   | $            | 1,438,513 |   |          | $      | 1,360,174 |     |   | $      | 1,363,621 |   |   | $            | 1,318,188 |   |   | $ | 1,362,927 |   |
| Savings deposits                                         |   |         | 757,166   |   |          |   | 712,545   |     |   |   | 750,337   |   |   |         | 765,138   |   |   |   | 763,949 |   |
| Certificates and other time deposits of $100,000 or more |   |         | 264,787   |   |          |   | 278,115   |     |   |   | 292,613   |   |   |         | 318,663   |   |   |   | 334,748 |   |
| Other certificates and time deposits                     |   |         | 551,247   |   |          |   | 570,380   |     |   |   | 597,330   |   |   |         | 624,032   |   |   |   | 661,569 |   |
| Brokered deposits                                        |   |         | 122,942   |   |          |   | 143,036   |     |   |   | 138,632   |   |   |         | 126,315   |   |   |   | 145,687 |   |
| TOTAL DEPOSITS                                           |   | $            | 3,134,655 |   |          | $      | 3,064,250 |     |   | $      | 3,142,533 |   |   | $            | 3,152,336 |   |   | $ | 3,268,880 |   |

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