----

| CONSOLIDATED BALANCE SHEETS                                             |   |      |      |   |   |   |
|-------------------------------------------------------------------------|--------|-----------|-----------|--------|--------|--------|
| (Dollars in thousands)                                                  |   | March 31, |      |
|                                                                    |   | 2010      |      |   | 2009   |   |
| ASSETS                                                                  |   |      |      |   |   |   |
| Cash and due from banks                                                 |   | $         | 52,679    |   |   | $      | 96,606 |   |
| Federal funds sold                                                      |   |      | 7,044     |   |   |   | 89,282 |   |
| Cash and cash equivalents                                               |   |      | 59,723    |   |   |   | 185,888 |   |
| Interest-bearing time deposits                                          |   |      | 157,735   |   |   |   | 158,295 |   |
| Investment securities                                                   |   |      | 639,081   |   |   |   | 446,316 |   |
| Mortgage loans held for sale                                            |   |      | 3,646     |   |   |   | 8,659 |   |
| Loans                                                                   |   |      | 3,134,540 |   |   |   | 3,654,074 |   |
| Less: Allowance for loan losses                                         |   |      | (88,568   | )      |   |   | (58,502 | ) |
| Net loans                                                               |   |      | 3,045,972 |   |   |   | 3,595,572 |   |
| Premises and equipment                                                  |   |      | 54,431    |   |   |   | 58,948 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |      | 36,721    |   |   |   | 34,420 |   |
| Interest receivable                                                     |   |      | 19,532    |   |   |   | 20,783 |   |
| Core deposit intangibles and goodwill                                   |   |      | 157,532   |   |   |   | 162,571 |   |
| Cash surrender value of life insurance                                  |   |      | 95,146    |   |   |   | 93,544 |   |
| Other real estate owned                                                 |   |      | 18,268    |   |   |   | 22,077 |   |
| Tax asset, deferred and receivable                                      |   |      | 59,190    |   |   |   | 36,543 |   |
| Other assets                                                            |   |      | 28,889    |   |   |   | 63,281 |   |
| TOTAL ASSETS                                                            |   | $         | 4,375,866 |   |   | $      | 4,886,897 |   |
| LIABILITIES                                                             |   |      |      |   |   |   |   |   |
| Deposits:                                                               |   |      |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $         | 520,551   |   |   | $      | 462,167 |   |
| Interest-bearing                                                        |   |      | 2,877,235 |   |   |   | 3,222,797 |   |
| Total Deposits                                                          |   |      | 3,397,786 |   |   |   | 3,684,964 |   |
| Borrowings:                                                             |   |      |      |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |      | 112,826   |   |   |   | 113,106 |   |
| Federal Home Loan Bank advances                                         |   |      | 123,261   |   |   |   | 278,583 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |      | 194,794   |   |   |   | 204,779 |   |
| Total Borrowings                                                        |   |      | 430,881   |   |   |   | 596,468 |   |
| Interest payable                                                        |   |      | 4,812     |   |   |   | 8,278 |   |
| Other liabilities                                                       |   |      | 53,446    |   |   |   | 89,082 |   |
| Total Liabilities                                                       |   |      | 3,886,925 |   |   |   | 4,378,792 |   |
| STOCKHOLDERS' EQUITY                                                    |   |      |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |      |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |      |      |   |   |   |   |   |
| Series A, Issued and outstanding - 116,000 shares                       |   |      | 112,559   |   |   |   | 111,831 |   |
| 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 - 25,495,550 and 21,055,881 shares               |   |      | 3,187     |   |   |   | 2,632 |   |
| Additional paid-in capital                                              |   |      | 230,764   |   |   |   | 203,889 |   |
| Retained earnings                                                       |   |      | 150,595   |   |   |   | 205,616 |   |
| Accumulated other comprehensive loss                                    |   |      | (8,289    | )      |   |   | (15,988 | ) |
| Total Stockholders' Equity                                              |   |      | 488,941   |   |   |   | 508,105 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $         | 4,375,866 |   |   | $      | 4,886,897 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                                       |   |               |   |   |   |   |
|-----------------------------------------------------------------------------|--------|--------------------|--------|--------|--------|--------|
| (Dollars in thousands, except per share amounts)                            |   | Three Months Ended |   |
|                                                                        |   | March 31,          |   |
|                                                                        |   | 2010               |   |   | 2009   |   |
| INTEREST INCOME                                                             |   |               |   |   |   |   |
| Loans receivable:                                                           |   |               |   |   |   |   |
| Taxable                                                                     |   | $                  | 45,448 |   |   | $      | 53,793 |   |
| Tax exempt                                                                  |   |               | 277    |   |   |   | 215 |   |
| Investment securities:                                                      |   |               |   |   |   |   |   |   |
| Taxable                                                                     |   |               | 2,891  |   |   |   | 3,763 |   |
| Tax exempt                                                                  |   |               | 2,646  |   |   |   | 1,769 |   |
| Federal funds sold                                                          |   |               | 17     |   |   |   | 12 |   |
| Deposits with financial institutions                                        |   |               | 60     |   |   |   | 102 |   |
| Federal Reserve and Federal Home Loan Bank stock                            |   |               | 360    |   |   |   | 473 |   |
| Total Interest Income                                                       |   |               | 51,699 |   |   |   | 60,127 |   |
| INTEREST EXPENSE                                                            |   |               |   |   |   |   |   |   |
| Deposits                                                                    |   |               | 11,495 |   |   |   | 16,711 |   |
| Federal funds purchased                                                     |   |               |   |   |   |   | 22 |   |
| Securities sold under repurchase agreements                                 |   |               | 499    |   |   |   | 467 |   |
| Federal Home Loan Bank advances                                             |   |               | 1,564  |   |   |   | 2,949 |   |
| Subordinated debentures, revolving credit lines and term loans              |   |               | 1,926  |   |   |   | 1,479 |   |
| Total Interest Expense                                                      |   |               | 15,484 |   |   |   | 21,628 |   |
| NET INTEREST INCOME                                                         |   |               | 36,215 |   |   |   | 38,499 |   |
| Provision for loan losses                                                   |   |               | 13,869 |   |   |   | 12,921 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES                         |   |               | 22,346 |   |   |   | 25,578 |   |
| OTHER INCOME                                                                |   |               |   |   |   |   |   |   |
| Service charges on deposit accounts                                         |   |               | 3,262  |   |   |   | 3,542 |   |
| Fiduciary activities                                                        |   |               | 2,060  |   |   |   | 2,059 |   |
| Other customer fees                                                         |   |               | 2,498  |   |   |   | 2,003 |   |
| Commission income                                                           |   |               | 1,989  |   |   |   | 2,059 |   |
| Earnings on cash surrender value of life insurance                          |   |               | 508    |   |   |   | 323 |   |
| Net gains and fees on sales of loans                                        |   |               | 1,149  |   |   |   | 1,430 |   |
| Net realized and unrealized gains on sales of available for sale securities |   |               | 1,842  |   |   |   | 2,792 |   |
| Other-than-temporary impairment on available for sale securities            |   |               | (488   | )      |   |   | (478 | ) |
| Other income                                                                |   |               | 144    |   |   |   | 741 |   |
| Total Other Income                                                          |   |               | 12,964 |   |   |   | 14,471 |   |
| OTHER EXPENSES                                                              |   |               |   |   |   |   |   |   |
| Salaries and employee benefits                                              |   |               | 17,562 |   |   |   | 20,015 |   |
| Net occupancy                                                               |   |               | 2,851  |   |   |   | 2,569 |   |
| Equipment                                                                   |   |               | 1,853  |   |   |   | 1,876 |   |
| Marketing                                                                   |   |               | 429    |   |   |   | 549 |   |
| Outside data processing fees                                                |   |               | 1,280  |   |   |   | 1,933 |   |
| Printing and office supplies                                                |   |               | 318    |   |   |   | 363 |   |
| Core deposit amortization                                                   |   |               | 1,207  |   |   |   | 1,277 |   |
| FDIC assessments                                                            |   |               | 1,722  |   |   |   | 576 |   |
| Other expenses                                                              |   |               | 7,418  |   |   |   | 5,556 |   |
| Total Other Expenses                                                        |   |               | 34,640 |   |   |   | 34,714 |   |
| INCOME BEFORE INCOME TAX                                                    |   |               | 670    |   |   |   | 5,335 |   |
| Income tax expense (benefit)                                                |   |               | (916   | )      |   |   | 1,218 |   |
| NET INCOME                                                                  |   |               | 1,586  |   |   |   | 4,117 |   |
| Preferred stock dividends and discount accretion                            |   |               | 1,450  |   |   |   | 628 |   |
| NET INCOME AVAILABLE TO COMMON STOCKHOLDERS                                 |   | $                  | 136    |   |   | $      | 3,489 |   |
| Per Share Data:                                                             |   |               |   |   |   |   |   |   |
| Basic Net Income Available to Common Stockholders                           |   | $                  | 0.01   |   |   | $      | 0.17 |   |
| Diluted Net Income Available to Common Stockholders                         |   | $                  | 0.01   |   |   | $      | 0.17 |   |
| Cash Dividends Paid                                                         |   | $                  | 0.01   |   |   | $      | 0.23 |   |
| Average Diluted Shares Outstanding (in thousands)                           |   |               | 21,462 |   |   |   | 21,093 |   |

----

| FINANCIAL HIGHLIGHTS                                |   |               |      |   |   |   |
|-----------------------------------------------------|--------|--------------------|-----------|--------|--------|--------|
| (Dollars in thousands)                              |   | Three Months Ended |      |
|                                                |   | March 31,          |      |
|                                                |   | 2010               |      |   | 2009   |   |
| NET CHARGE OFF'S                                    |   | $                  | 17,432    |   |   | $      | 6,002 |   |
|                                                |   |               |      |   |   |   |   |   |
| AVERAGE BALANCES:                                   |   |               |      |   |   |   |   |   |
| Total Assets                                        |   | $                  | 4,363,768 |   |   | $      | 4,720,134 |   |
| Total Loans                                         |   |               | 3,203,826 |   |   |   | 3,696,076 |   |
| Total Earning Assets                                |   |               | 3,955,515 |   |   |   | 4,298,621 |   |
| Total Deposits                                      |   |               | 3,431,831 |   |   |   | 3,637,656 |   |
| Total Stockholders' Equity                          |   |               | 466,994   |   |   |   | 450,654 |   |
|                                                |   |               |      |   |   |   |   |   |
| FINANCIAL RATIOS:                                   |   |               |      |   |   |   |   |   |
| Return on Average Assets                            |   |               | 0.01      | %      |   |   | 0.30 | % |
| Return on Average Stockholders' Equity              |   |               | 0.12      |   |   |   | 3.10 |   |
| Average Earning Assets to Average Assets            |   |               | 90.64     |   |   |   | 91.07 |   |
| Allowance for Loan Losses as % of Total Loans       |   |               | 2.82      |   |   |   | 1.60 |   |
| Net Charge Off's as % of Average Loans (Annualized) |   |               | 2.18      |   |   |   | 0.65 |   |
| Dividend Payout Ratio                               |   |               | 100.00    |   |   |   | 135.29 |   |
| Average Stockholders' Equity to Average Assets      |   |               | 10.70     |   |   |   | 9.55 |   |
| Tax Equivalent Yield on Earning Assets              |   |               | 5.39      |   |   |   | 5.69 |   |
| Cost of Supporting Liabilities                      |   |               | 1.57      |   |   |   | 2.01 |   |
| Net Interest Margin (FTE) on Earning Assets         |   |               | 3.82      |   |   |   | 3.68 |   |

| NON-PERFORMING ASSETS                    |   |      |    |   |         |   |    |          |   |   |     |   |   |      |    |
|------------------------------------------|--------|-----------|---------|--------|--------------|--------|---------|---------------|--------|--------|----------|--------|--------|-----------|---------|
| (Dollars in thousands)                   |   | March 31, |    |   | December 31, |   |    | September 30, |   |   | June 30, |   |   | March 31, |    |
|                                     |   | 2010      |    |   | 2009         |   |    | 2009          |   |   | 2009     |   |   | 2009      |    |
| Non-Accrual Loans                        |   | $         | 122,891 |   |         | $      | 118,409 |          |   | $      | 123,290  |   |   | $         | 112,220 |   |   | $ | 108,546 |   |
| Renegotiated Loans                       |   |      | 859     |   |         |   | 8,833   |          |   |   | 5,595    |   |   |      | 4,216   |   |   |   |   |   |
| Non-Performing Loans (NPL)               |   |      | 123,750 |   |         |   | 127,242 |          |   |   | 128,885  |   |   |      | 116,436 |   |   |   | 108,546 |   |
| Real Estate Owned and Repossessed Assets |   |      | 18,268  |   |         |   | 14,879  |          |   |   | 21,778   |   |   |      | 20,227  |   |   |   | 22,077 |   |
| Non-Performing Assets (NPA)              |   |      | 142,018 |   |         |   | 142,121 |          |   |   | 150,663  |   |   |      | 136,663 |   |   |   | 130,623 |   |
| 90+ Days Delinquent                      |   |      | 2,600   |   |         |   | 3,967   |          |   |   | 5,422    |   |   |      | 3,596   |   |   |   | 7,732 |   |
| NPAS & 90 Day Delinquent             |   | $         | 144,618 |   |         | $      | 146,088 |          |   | $      | 156,085  |   |   | $         | 140,259 |   |   | $ | 138,355 |   |
| Loan Loss Reserve                        |   | $         | 88,568  |   |         | $      | 92,131  |          |   | $      | 86,918   |   |   | $         | 77,119  |   |   | $ | 58,502 |   |
| YTD Charge-offs                          |   |      | 17,432  |   |         |   | 81,628  |          |   |   | 60,821   |   |   |      | 46,380  |   |   |   | 6,002 |   |
| NPAs / Actual Assets %                   |   |      | 3.25    | %      |         |   | 3.17    | %             |   |   | 3.37     | %      |   |      | 2.90    | % |   |   | 2.67 | % |
| NPAs & 90 Day / Actual Assets %      |   |      | 3.30    | %      |         |   | 3.26    | %             |   |   | 3.49     | %      |   |      | 2.97    | % |   |   | 2.83 | % |
| NPAs / Actual Loans and REO %            |   |      | 4.50    | %      |         |   | 4.32    | %             |   |   | 4.37     | %      |   |      | 3.80    | % |   |   | 3.54 | % |
| Loan Loss Reserves / Actual Loans (%)    |   |      | 2.82    | %      |         |   | 2.81    | %             |   |   | 2.54     | %      |   |      | 2.16    | % |   |   | 1.60 | % |
| NCOs / YTD Average Loans (%)             |   |      | 0.54    | %      |         |   | 2.30    | %             |   |   | 1.68     | %      |   |      | 1.27    | % |   |   | 0.16 | % |

----

| CONSOLIDATED BALANCE SHEETS                                             |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |
|-------------------------------------------------------------------------|--------|-----------|-----------|--------|--------------|--------|-----------|---------------|--------|--------|-----------|--------|--------|-----------|-----------|
| (Dollars in thousands)                                                  |   | March 31, |      |   | December 31, |   |      | September 30, |   |   | June 30,  |   |   | March 31, |      |
|                                                                    |   | 2010      |      |   | 2009         |   |      | 2009          |   |   | 2009      |   |   | 2009      |      |
| ASSETS                                                                  |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |
| Cash and due from banks                                                 |   | $         | 52,679    |   |         | $      | 76,801    |          |   | $      | 66,887    |   |   | $         | 73,668    |   |   | $ | 96,606 |   |
| Federal funds sold                                                      |   |      | 7,044     |   |         |   | 102,346   |          |   |   | 52,828    |   |   |      |      |   |   |   | 89,282 |   |
| Cash and cash equivalents                                               |   |      | 59,723    |   |         |   | 179,147   |          |   |   | 119,715   |   |   |      | 73,668    |   |   |   | 185,888 |   |
| Interest-bearing time deposits                                          |   |      | 157,735   |   |         |   | 74,025    |          |   |   | 44,312    |   |   |      | 44,595    |   |   |   | 158,295 |   |
| Investment securities                                                   |   |      | 639,081   |   |         |   | 563,117   |          |   |   | 489,010   |   |   |      | 630,958   |   |   |   | 446,316 |   |
| Mortgage loans held for sale                                            |   |      | 3,646     |   |         |   | 8,036     |          |   |   | 25,173    |   |   |      | 23,070    |   |   |   | 8,659 |   |
| Loans                                                                   |   |      | 3,134,540 |   |         |   | 3,269,788 |          |   |   | 3,398,722 |   |   |      | 3,554,229 |   |   |   | 3,654,074 |   |
| Less: Allowance for loan losses                                         |   |      | (88,568   | )      |         |   | (92,131   | )             |   |   | (86,918   | )      |   |      | (77,119   | ) |   |   | (58,502 | ) |
| Net loans                                                               |   |      | 3,045,972 |   |         |   | 3,177,657 |          |   |   | 3,311,804 |   |   |      | 3,477,110 |   |   |   | 3,595,572 |   |
| Premises and equipment                                                  |   |      | 54,431    |   |         |   | 55,804    |          |   |   | 58,482    |   |   |      | 58,692    |   |   |   | 58,948 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |      | 36,721    |   |         |   | 38,576    |          |   |   | 38,576    |   |   |      | 34,441    |   |   |   | 34,420 |   |
| Interest receivable                                                     |   |      | 19,532    |   |         |   | 20,818    |          |   |   | 22,359    |   |   |      | 20,778    |   |   |   | 20,783 |   |
| Core deposit intangibles and goodwill                                   |   |      | 157,532   |   |         |   | 158,740   |          |   |   | 160,017   |   |   |      | 161,294   |   |   |   | 162,571 |   |
| Cash surrender value of life insurance                                  |   |      | 95,146    |   |         |   | 94,636    |          |   |   | 94,267    |   |   |      | 93,876    |   |   |   | 93,544 |   |
| Other real estate owned                                                 |   |      | 18,268    |   |         |   | 14,879    |          |   |   | 21,778    |   |   |      | 20,227    |   |   |   | 22,077 |   |
| Tax asset, deferred and refundable                                      |   |      | 59,190    |   |         |   | 64,394    |          |   |   | 59,244    |   |   |      | 62,183    |   |   |   | 36,543 |   |
| Other assets                                                            |   |      | 28,889    |   |         |   | 31,123    |          |   |   | 31,747    |   |   |      | 16,153    |   |   |   | 63,281 |   |
| TOTAL ASSETS                                                            |   | $         | 4,375,866 |   |         | $      | 4,480,952 |          |   | $      | 4,476,484 |   |   | $         | 4,717,045 |   |   | $ | 4,886,897 |   |
| LIABILITIES                                                             |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Deposits:                                                               |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $         | 520,551   |   |         | $      | 516,487   |          |   | $      | 477,040   |   |   | $         | 512,368   |   |   | $ | 462,167 |   |
| Interest-bearing                                                        |   |      | 2,877,235 |   |         |   | 3,020,049 |          |   |   | 3,035,455 |   |   |      | 3,078,555 |   |   |   | 3,222,797 |   |
| Total Deposits                                                          |   |      | 3,397,786 |   |         |   | 3,536,536 |          |   |   | 3,512,495 |   |   |      | 3,590,923 |   |   |   | 3,684,964 |   |
| Borrowings:                                                             |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Federal funds purchased                                                 |   |      |      |   |         |   |      |          |   |   |      |   |   |      | 15,042    |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |      | 112,826   |   |         |   | 125,687   |          |   |   | 125,045   |   |   |      | 115,011   |   |   |   | 113,106 |   |
| Federal Home Loan Bank advances                                         |   |      | 123,261   |   |         |   | 129,749   |          |   |   | 130,024   |   |   |      | 268,938   |   |   |   | 278,583 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |      | 194,794   |   |         |   | 194,790   |          |   |   | 194,787   |   |   |      | 194,783   |   |   |   | 204,779 |   |
| Total Borrowings                                                        |   |      | 430,881   |   |         |   | 450,226   |          |   |   | 449,856   |   |   |      | 593,774   |   |   |   | 596,468 |   |
| Interest payable                                                        |   |      | 4,812     |   |         |   | 5,711     |          |   |   | 5,722     |   |   |      | 7,351     |   |   |   | 8,278 |   |
| Other liabilities                                                       |   |      | 53,446    |   |         |   | 24,694    |          |   |   | 32,511    |   |   |      | 51,619    |   |   |   | 89,082 |   |
| Total Liabilities                                                       |   |      | 3,886,925 |   |         |   | 4,017,167 |          |   |   | 4,000,584 |   |   |      | 4,243,667 |   |   |   | 4,378,792 |   |
| STOCKHOLDERS' EQUITY                                                    |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Series A, Issued and outstanding - 116,000 shares                       |   |      | 112,559   |   |         |   | 112,373   |          |   |   | 112,190   |   |   |      | 112,009   |   |   |   | 111,831 |   |
| 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 - 25,495,550 and 21,055,881 shares               |   |      | 3,187     |   |         |   | 2,653     |          |   |   | 2,648     |   |   |      | 2,633     |   |   |   | 2,632 |   |
| Additional paid-in capital                                              |   |      | 230,764   |   |         |   | 206,600   |          |   |   | 205,759   |   |   |      | 204,403   |   |   |   | 203,889 |   |
| Retained earnings                                                       |   |      | 150,595   |   |         |   | 150,860   |          |   |   | 164,419   |   |   |      | 172,688   |   |   |   | 205,616 |   |
| Accumulated other comprehensive loss                                    |   |      | (8,289    | )      |         |   | (8,826    | )             |   |   | (9,241    | )      |   |      | (18,480   | ) |   |   | (15,988 | ) |
| Total Stockholders' Equity                                              |   |      | 488,941   |   |         |   | 463,785   |          |   |   | 475,900   |   |   |      | 473,378   |   |   |   | 508,105 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $         | 4,375,866 |   |         | $      | 4,480,952 |          |   | $      | 4,476,484 |   |   | $         | 4,717,045 |   |   | $ | 4,886,897 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                                       |   |      |   |   |         |   |    |          |   |   |     |   |   |      |    |
|-----------------------------------------------------------------------------|--------|-----------|--------|--------|--------------|--------|---------|---------------|--------|--------|----------|--------|--------|-----------|---------|
| (Dollars in thousands, except per share amounts)                            |   | March 31, |   |   | December 31, |   |    | September 30, |   |   | June 30, |   |   | March 31, |    |
|                                                                        |   | 2010      |   |   | 2009         |   |    | 2009          |   |   | 2009     |   |   | 2009      |    |
| INTEREST INCOME                                                             |   |      |   |   |         |   |    |          |   |   |     |   |   |      |    |
| Loans receivable:                                                           |   |      |   |   |         |   |    |          |   |   |     |   |   |      |    |
| Taxable                                                                     |   | $         | 45,448 |   |         | $      | 48,297  |          |   | $      | 50,683   |   |   | $         | 52,843  |   |   | $ | 53,793 |   |
| Tax exempt                                                                  |   |      | 277    |   |         |   | 296     |          |   |   | 280      |   |   |      | 247     |   |   |   | 215 |   |
| Investment securities:                                                      |   |      |   |   |         |   |    |          |   |   |     |   |   |      |    |   |   |   |   |   |
| Taxable                                                                     |   |      | 2,891  |   |         |   | 2,348   |          |   |   | 2,963    |   |   |      | 3,261   |   |   |   | 3,763 |   |
| Tax exempt                                                                  |   |      | 2,646  |   |         |   | 2,668   |          |   |   | 2,788    |   |   |      | 2,362   |   |   |   | 1,769 |   |
| Federal funds sold                                                          |   |      | 17     |   |         |   | 37      |          |   |   | 27       |   |   |      | 42      |   |   |   | 12 |   |
| Deposits with financial institutions                                        |   |      | 60     |   |         |   | 75      |          |   |   | 73       |   |   |      | 116     |   |   |   | 102 |   |
| Federal Reserve and Federal Home Loan Bank stock                            |   |      | 360    |   |         |   | 348     |          |   |   | 359      |   |   |      | 199     |   |   |   | 473 |   |
| Total Interest Income                                                       |   |      | 51,699 |   |         |   | 54,069  |          |   |   | 57,173   |   |   |      | 59,070  |   |   |   | 60,127 |   |
| INTEREST EXPENSE                                                            |   |      |   |   |         |   |    |          |   |   |     |   |   |      |    |   |   |   |   |   |
| Deposits                                                                    |   |      | 11,495 |   |         |   | 12,445  |          |   |   | 13,666   |   |   |      | 15,569  |   |   |   | 16,711 |   |
| Federal funds purchased                                                     |   |      |   |   |         |   |    |          |   |   | 6        |   |   |      |    |   |   |   | 22 |   |
| Securities sold under repurchase agreements                                 |   |      | 499    |   |         |   | 511     |          |   |   | 512      |   |   |      | 507     |   |   |   | 467 |   |
| Federal Home Loan Bank advances                                             |   |      | 1,564  |   |         |   | 1,627   |          |   |   | 2,209    |   |   |      | 2,447   |   |   |   | 2,949 |   |
| Subordinated debentures, revolving credit lines and term loans              |   |      | 1,926  |   |         |   | 1,921   |          |   |   | 1,932    |   |   |      | 2,113   |   |   |   | 1,479 |   |
| Total Interest Expense                                                      |   |      | 15,484 |   |         |   | 16,504  |          |   |   | 18,325   |   |   |      | 20,636  |   |   |   | 21,628 |   |
| NET INTEREST INCOME                                                         |   |      | 36,215 |   |         |   | 37,565  |          |   |   | 38,848   |   |   |      | 38,434  |   |   |   | 38,499 |   |
| Provision for loan losses                                                   |   |      | 13,869 |   |         |   | 26,020  |          |   |   | 24,240   |   |   |      | 58,995  |   |   |   | 12,921 |   |
| NET INTEREST INCOME (LOSS) AFTER PROVISION FOR LOAN LOSSES                  |   |      | 22,346 |   |         |   | 11,545  |          |   |   | 14,608   |   |   |      | (20,561 | ) |   |   | 25,578 |   |
| OTHER INCOME                                                                |   |      |   |   |         |   |    |          |   |   |     |   |   |      |    |   |   |   |   |   |
| Service charges on deposit accounts                                         |   |      | 3,262  |   |         |   | 3,735   |          |   |   | 3,963    |   |   |      | 3,888   |   |   |   | 3,542 |   |
| Fiduciary activities                                                        |   |      | 2,060  |   |         |   | 1,826   |          |   |   | 1,844    |   |   |      | 1,680   |   |   |   | 2,059 |   |
| Other customer fees                                                         |   |      | 2,498  |   |         |   | 1,969   |          |   |   | 2,004    |   |   |      | 1,946   |   |   |   | 2,003 |   |
| Commission income                                                           |   |      | 1,989  |   |         |   | 1,181   |          |   |   | 1,459    |   |   |      | 1,698   |   |   |   | 2,059 |   |
| Earnings on cash surrender value of life insurance                          |   |      | 508    |   |         |   | 569     |          |   |   | 391      |   |   |      | 331     |   |   |   | 323 |   |
| Net gains and fees on sales of loans                                        |   |      | 1,149  |   |         |   | 1,744   |          |   |   | 1,997    |   |   |      | 1,678   |   |   |   | 1,430 |   |
| Net realized and unrealized gains on sales of available for sale securities |   |      | 1,842  |   |         |   | 1,984   |          |   |   | 5,211    |   |   |      | 1,154   |   |   |   | 2,792 |   |
| Other-than-temporary impairment on available for sale securities            |   |      | (488   | )      |         |   | (2,979  | )             |   |   | (1,227   | )      |   |      | (2,045  | ) |   |   | (478 | ) |
| Other income                                                                |   |      | 144    |   |         |   | (472    | )             |   |   | 41       |   |   |      | 1,160   |   |   |   | 741 |   |
| Total Other Income                                                          |   |      | 12,964 |   |         |   | 9,557   |          |   |   | 15,683   |   |   |      | 11,490  |   |   |   | 14,471 |   |
| OTHER EXPENSES                                                              |   |      |   |   |         |   |    |          |   |   |     |   |   |      |    |   |   |   |   |   |
| Salaries and employee benefits                                              |   |      | 17,562 |   |         |   | 18,680  |          |   |   | 17,945   |   |   |      | 19,685  |   |   |   | 20,015 |   |
| Net occupancy                                                               |   |      | 2,851  |   |         |   | 2,816   |          |   |   | 2,422    |   |   |      | 2,443   |   |   |   | 2,569 |   |
| Equipment                                                                   |   |      | 1,853  |   |         |   | 1,935   |          |   |   | 1,875    |   |   |      | 1,909   |   |   |   | 1,876 |   |
| Marketing                                                                   |   |      | 429    |   |         |   | 513     |          |   |   | 508      |   |   |      | 564     |   |   |   | 549 |   |
| Outside data processing fees                                                |   |      | 1,280  |   |         |   | 1,488   |          |   |   | 1,360    |   |   |      | 1,405   |   |   |   | 1,933 |   |
| Printing and office supplies                                                |   |      | 318    |   |         |   | 359     |          |   |   | 300      |   |   |      | 397     |   |   |   | 363 |   |
| Core deposit amortization                                                   |   |      | 1,207  |   |         |   | 1,277   |          |   |   | 1,277    |   |   |      | 1,278   |   |   |   | 1,277 |   |
| FDIC assessments                                                            |   |      | 1,722  |   |         |   | 3,203   |          |   |   | 3,121    |   |   |      | 3,494   |   |   |   | 576 |   |
| Other expenses                                                              |   |      | 7,418  |   |         |   | 9,386   |          |   |   | 10,187   |   |   |      | 7,017   |   |   |   | 5,556 |   |
| Total Other Expenses                                                        |   |      | 34,640 |   |         |   | 39,657  |          |   |   | 38,995   |   |   |      | 38,192  |   |   |   | 34,714 |   |
| INCOME (LOSS) BEFORE INCOME TAX                                             |   |      | 670    |   |         |   | (18,555 | )             |   |   | (8,704   | )      |   |      | (47,263 | ) |   |   | 5,335 |   |
| Income tax expense (benefit)                                                |   |      | (916   | )      |         |   | (8,334  | )             |   |   | (3,774   | )      |   |      | (17,534 | ) |   |   | 1,218 |   |
| NET INCOME (LOSS)                                                           |   |      | 1,586  |   |         |   | (10,221 | )             |   |   | (4,930   | )      |   |      | (29,729 | ) |   |   | 4,117 |   |
| Preferred stock dividends and discount accretion                            |   |      | 1,450  |   |         |   | 1,451   |          |   |   | 1,450    |   |   |      | 1,450   |   |   |   | 628 |   |
| NET INCOME (LOSS) AVAILABLE TO COMMON STOCKHOLDERS                          |   | $         | 136    |   |         | $      | (11,672 | )             |   | $      | (6,380   | )      |   | $         | (31,179 | ) |   | $ | 3,489 |   |
|  PER SHARE:                                                            |   |      |   |   |         |   |    |          |   |   |     |   |   |      |    |   |   |   |   |   |
| Basic Net Income (Loss) Available to Common Stockholders                    |   | $         | 0.01   |   |         | $      | (0.55   | )             |   | $      | (0.30    | )      |   | $         | (1.49   | ) |   | $ | 0.17 |   |
| Diluted Net Income (Loss) Available to Common Stockholders                  |   | $         | 0.01   |   |         | $      | (0.55   | )             |   | $      | (0.30    | )      |   | $         | (1.49   | ) |   | $ | 0.17 |   |
| Cash Dividends Paid                                                         |   | $         | 0.01   |   |         | $      | 0.08    |          |   | $      | 0.08     |   |   | $         | 0.08    |   |   | $ | 0.23 |   |
| Average Diluted Shares Outstanding (in thousands)                           |   |      | 21,462 |   |         |   | 21,211  |          |   |   | 21,170   |   |   |      | 21,120  |   |   |   | 21,093 |   |
| FINANCIAL RATIOS:                                                           |   |      |   |   |         |   |    |          |   |   |     |   |   |      |    |   |   |   |   |   |
| Return on Average Assets                                                    |   |      | 0.01   | %      |         |   | -1.04   | %             |   |   | -0.55    | %      |   |      | -2.59   | % |   |   | 0.30 | % |
| Return on Average Stockholders' Equity                                      |   |      | 0.12   |   |         |   | (9.87   | )             |   |   | (5.35    | )      |   |      | (24.58  | ) |   |   | 3.10 |   |
| Average Earning Assets to Average Assets                                    |   |      | 90.64  |   |         |   | 90.28   |          |   |   | 90.82    |   |   |      | 91.07   |   |   |   | 91.07 |   |
| Allowance for Loan Losses as % of Total Loans                               |   |      | 2.82   |   |         |   | 2.81    |          |   |   | 2.54     |   |   |      | 2.16    |   |   |   | 1.60 |   |
| Net Charge Off's as % of Average Loans (Annualized)                         |   |      | 2.18   |   |         |   | 2.49    |          |   |   | 1.64     |   |   |      | 4.44    |   |   |   | 0.65 |   |
| Dividend Payout Ratio                                                       |   |      | 100.00 |   |         |   | (14.55  | )             |   |   | (26.67   | )      |   |      | (5.41   | ) |   |   | 135.29 |   |
| Average Stockholders' Equity to Average Assets                              |   |      | 10.70  |   |         |   | 10.50   |          |   |   | 10.23    |   |   |      | 10.54   |   |   |   | 9.55 |   |
| Tax Equivalent Yield on Earning Assets                                      |   |      | 5.39   |   |         |   | 5.48    |          |   |   | 5.56     |   |   |      | 5.52    |   |   |   | 5.69 |   |
| Cost of Supporting Liabilities                                              |   |      | 1.57   |   |         |   | 1.62    |          |   |   | 1.73     |   |   |      | 1.88    |   |   |   | 2.01 |   |
| Net Interest Margin (FTE) on Earning Assets                                 |   |      | 3.82   |   |         |   | 3.86    |          |   |   | 3.83     |   |   |      | 3.64    |   |   |   | 3.68 |   |

----

| LOANS                                                            |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |
|------------------------------------------------------------------|--------|-----------|-----------|--------|--------------|--------|-----------|---------------|--------|--------|-----------|--------|--------|-----------|-----------|
| (Dollars in thousands)                                           |   | March 31, |      |   | December 31, |   |      | September 30, |   |   | June 30,  |   |   | March 31, |      |
|                                                             |   | 2010      |      |   | 2009         |   |      | 2009          |   |   | 2009      |   |   | 2009      |      |
| Commercial and industrial loans                                  |   | $         | 621,591   |   |         | $      | 675,860   |          |   | $      | 806,289   |   |   | $         | 874,671   |   |   | $ | 891,393 |   |
| Agricultural production financing and other loans to farmers     |   |      | 109,457   |   |         |   | 121,031   |          |   |   | 124,601   |   |   |      | 121,361   |   |   |   | 120,462 |   |
| Real estate loans:                                               |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Construction                                                     |   |      | 131,548   |   |         |   | 158,725   |          |   |   | 147,343   |   |   |      | 162,765   |   |   |   | 208,145 |   |
| Commercial and farmland                                          |   |      | 1,259,588 |   |         |   | 1,254,115 |          |   |   | 1,228,983 |   |   |      | 1,231,986 |   |   |   | 1,246,450 |   |
| Residential                                                      |   |      | 821,014   |   |         |   | 841,584   |          |   |   | 855,931   |   |   |      | 930,714   |   |   |   | 949,259 |   |
| Individuals' loans for household and other personal expenditures |   |      | 142,108   |   |         |   | 154,132   |          |   |   | 177,338   |   |   |      | 174,363   |   |   |   | 193,109 |   |
| Tax exempt loans                                                 |   |      | 23,047    |   |         |   | 22,049    |          |   |   | 23,846    |   |   |      | 23,596    |   |   |   | 18,121 |   |
| Lease financing receivables, net of unearned income              |   |      | 6,396     |   |         |   | 7,135     |          |   |   | 7,797     |   |   |      | 8,095     |   |   |   | 8,178 |   |
| Other loans                                                      |   |      | 19,791    |   |         |   | 35,157    |          |   |   | 26,594    |   |   |      | 26,678    |   |   |   | 18,957 |   |
|                                                             |   |      | 3,134,540 |   |         |   | 3,269,788 |          |   |   | 3,398,722 |   |   |      | 3,554,229 |   |   |   | 3,654,074 |   |
| Allowance for loan losses                                        |   |      | (88,568   | )      |         |   | (92,131   | )             |   |   | (86,918   | )      |   |      | (77,119   | ) |   |   | (58,502 | ) |
| TOTAL LOANS                                                      |   | $         | 3,045,972 |   |         | $      | 3,177,657 |          |   | $      | 3,311,804 |   |   | $         | 3,477,110 |   |   | $ | 3,595,572 |   |

| DEPOSITS                                                 |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |
|----------------------------------------------------------|--------|-----------|-----------|--------|--------------|--------|-----------|---------------|--------|--------|-----------|--------|--------|-----------|-----------|
| (Dollars in thousands)                                   |   | March 31, |      |   | December 31, |   |      | September 30, |   |   | June 30,  |   |   | March 31, |      |
|                                                     |   | 2010      |      |   | 2009         |   |      | 2009          |   |   | 2009      |   |   | 2009      |      |
| Demand deposits                                          |   | $         | 1,261,305 |   |         | $      | 1,308,741 |          |   | $      | 1,178,372 |   |   | $         | 1,197,646 |   |   | $ | 1,166,205 |   |
| Savings deposits                                         |   |      | 738,742   |   |         |   | 733,142   |          |   |   | 726,894   |   |   |      | 740,340   |   |   |   | 743,812 |   |
| Certificates and other time deposits of $100,000 or more |   |      | 416,113   |   |         |   | 438,264   |          |   |   | 492,875   |   |   |      | 503,971   |   |   |   | 511,873 |   |
| Other certificates and time deposits                     |   |      | 750,382   |   |         |   | 781,509   |          |   |   | 803,173   |   |   |      | 835,899   |   |   |   | 853,149 |   |
| Brokered deposits                                        |   |      | 231,244   |   |         |   | 274,880   |          |   |   | 311,181   |   |   |      | 313,067   |   |   |   | 409,925 |   |
| TOTAL DEPOSITS                                           |   | $         | 3,397,786 |   |         | $      | 3,536,536 |          |   | $      | 3,512,495 |   |   | $         | 3,590,923 |   |   | $ | 3,684,964 |   |

----