----

| CONSOLIDATED BALANCE SHEETS                                             |   |         |      |   |   |   |
|-------------------------------------------------------------------------|--------|--------------|-----------|--------|--------|--------|
| (Dollars in thousands)                                                  |   | December 31, |      |
|                                                                    |   | 2010         |      |   | 2009   |   |
| ASSETS                                                                  |   |         |      |   |   |   |
| Cash and due from banks                                                 |   | $            | 50,844    |   |   | $      | 76,801 |   |
| Federal funds sold                                                      |   |         | 7,463     |   |   |   | 102,346 |   |
| Cash and cash equivalents                                               |   |         | 58,307    |   |   |   | 179,147 |   |
| Interest-bearing time deposits                                          |   |         | 65,216    |   |   |   | 74,025 |   |
| Investment securities                                                   |   |         | 826,797   |   |   |   | 563,117 |   |
| Mortgage loans held for sale                                            |   |         | 21,469    |   |   |   | 8,036 |   |
| Loans                                                                   |   |         | 2,835,683 |   |   |   | 3,269,788 |   |
| Less: Allowance for loan losses                                         |   |         | (82,977   | )      |   |   | (92,131 | ) |
| Net loans                                                               |   |         | 2,752,706 |   |   |   | 3,177,657 |   |
| Premises and equipment                                                  |   |         | 52,450    |   |   |   | 55,804 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |         | 33,884    |   |   |   | 38,576 |   |
| Interest receivable                                                     |   |         | 18,674    |   |   |   | 20,818 |   |
| Core deposit intangibles and goodwill                                   |   |         | 154,019   |   |   |   | 158,740 |   |
| Cash surrender value of life insurance                                  |   |         | 96,731    |   |   |   | 94,636 |   |
| Other real estate owned                                                 |   |         | 20,927    |   |   |   | 14,879 |   |
| Tax asset, deferred and receivable                                      |   |         | 45,017    |   |   |   | 64,394 |   |
| Other assets                                                            |   |         | 24,045    |   |   |   | 31,123 |   |
| TOTAL ASSETS                                                            |   | $            | 4,170,242 |   |   | $      | 4,480,952 |   |
| LIABILITIES                                                             |   |         |      |   |   |   |   |   |
| Deposits:                                                               |   |         |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $            | 583,696   |   |   | $      | 516,487 |   |
| Interest-bearing                                                        |   |         | 2,685,184 |   |   |   | 3,020,049 |   |
| Total Deposits                                                          |   |         | 3,268,880 |   |   |   | 3,536,536 |   |
| Borrowings:                                                             |   |         |      |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |         | 109,871   |   |   |   | 125,687 |   |
| Federal Home Loan Bank advances                                         |   |         | 82,684    |   |   |   | 129,749 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |         | 226,440   |   |   |   | 194,790 |   |
| Total Borrowings                                                        |   |         | 418,995   |   |   |   | 450,226 |   |
| Interest payable                                                        |   |         | 4,262     |   |   |   | 5,711 |   |
| Other liabilities                                                       |   |         | 24,303    |   |   |   | 24,694 |   |
| Total Liabilities                                                       |   |         | 3,716,440 |   |   |   | 4,017,167 |   |
| STOCKHOLDERS' EQUITY                                                    |   |         |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |         |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |         |      |   |   |   |   |   |
| Series A, Issued and outstanding - 69,600 and 116,000 shares            |   |         | 67,880    |   |   |   | 112,373 |   |
| 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 - 25,574,251 and 21,227,741 shares               |   |         | 3,197     |   |   |   | 2,653 |   |
| Additional paid-in capital                                              |   |         | 232,503   |   |   |   | 206,600 |   |
| Retained earnings                                                       |   |         | 160,254   |   |   |   | 150,860 |   |
| Accumulated other comprehensive loss                                    |   |         | (10,157   | )      |   |   | (8,826 | ) |
| Total Stockholders' Equity                                              |   |         | 453,802   |   |   |   | 463,785 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $            | 4,170,242 |   |   | $      | 4,480,952 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                            |   |               |   |   |                |   |    |   |   |   |    |   |
|------------------------------------------------------------------|--------|--------------------|--------|--------|---------------------|--------|---------|--------|--------|--------|---------|--------|
| (Dollars in thousands, except per share amounts)                 |   | Three Months Ended |   |   | Twelve Months Ended |   |
|                                                             |   | December 31,       |   |   | December 31,        |   |
|                                                             |   | 2010               |   |   | 2009                |   |    | 2010   |   |   | 2009    |   |
| INTEREST INCOME                                                  |   |               |   |   |                |   |    |   |   |   |    |   |
| Loans receivable:                                                |   |               |   |   |                |   |    |   |   |   |    |   |
| Taxable                                                          |   | $                  | 41,497 |   |                | $      | 48,297  |   |   | $      | 174,070 |   |   | $ | 205,616 |   |
| Tax exempt                                                       |   |               | (250   | )      |                |   | 296     |   |   |   | 515     |   |   |   | 1,038 |   |
| Investment securities:                                           |   |               |   |   |                |   |    |   |   |   |    |   |   |   |   |   |
| Taxable                                                          |   |               | 3,680  |   |                |   | 2,348   |   |   |   | 12,957  |   |   |   | 12,335 |   |
| Tax exempt                                                       |   |               | 2,573  |   |                |   | 2,668   |   |   |   | 10,377  |   |   |   | 9,587 |   |
| Federal funds sold                                               |   |               | 3      |   |                |   | 37      |   |   |   | 26      |   |   |   | 118 |   |
| Deposits with financial institutions                             |   |               | 142    |   |                |   | 75      |   |   |   | 381     |   |   |   | 366 |   |
| Federal Reserve and Federal Home Loan Bank stock                 |   |               | 312    |   |                |   | 348     |   |   |   | 1,252   |   |   |   | 1,379 |   |
| Total Interest Income                                            |   |               | 47,957 |   |                |   | 54,069  |   |   |   | 199,578 |   |   |   | 230,439 |   |
| INTEREST EXPENSE                                                 |   |               |   |   |                |   |    |   |   |   |    |   |   |   |   |   |
| Deposits                                                         |   |               | 8,427  |   |                |   | 12,445  |   |   |   | 39,876  |   |   |   | 58,391 |   |
| Federal funds purchased                                          |   |               |   |   |                |   |    |   |   |   | 5       |   |   |   | 28 |   |
| Securities sold under repurchase agreements                      |   |               | 383    |   |                |   | 511     |   |   |   | 1,712   |   |   |   | 1,997 |   |
| Federal Home Loan Bank advances                                  |   |               | 1,146  |   |                |   | 1,627   |   |   |   | 5,368   |   |   |   | 9,232 |   |
| Subordinated debentures, revolving credit lines and term loans   |   |               | 2,508  |   |                |   | 1,921   |   |   |   | 9,048   |   |   |   | 7,445 |   |
| Total Interest Expense                                           |   |               | 12,464 |   |                |   | 16,504  |   |   |   | 56,009  |   |   |   | 77,093 |   |
| NET INTEREST INCOME                                              |   |               | 35,493 |   |                |   | 37,565  |   |   |   | 143,569 |   |   |   | 153,346 |   |
| Provision for loan losses                                        |   |               | 7,078  |   |                |   | 26,020  |   |   |   | 46,483  |   |   |   | 122,176 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES              |   |               | 28,415 |   |                |   | 11,545  |   |   |   | 97,086  |   |   |   | 31,170 |   |
| OTHER INCOME                                                     |   |               |   |   |                |   |    |   |   |   |    |   |   |   |   |   |
| Service charges on deposit accounts                              |   |               | 3,111  |   |                |   | 3,735   |   |   |   | 13,283  |   |   |   | 15,128 |   |
| Fiduciary activities                                             |   |               | 1,881  |   |                |   | 1,826   |   |   |   | 7,692   |   |   |   | 7,409 |   |
| Other customer fees                                              |   |               | 2,217  |   |                |   | 1,969   |   |   |   | 8,990   |   |   |   | 7,922 |   |
| Commission income                                                |   |               | 1,267  |   |                |   | 1,181   |   |   |   | 6,225   |   |   |   | 6,397 |   |
| Earnings on cash surrender value of life insurance               |   |               | 524    |   |                |   | 569     |   |   |   | 2,098   |   |   |   | 1,614 |   |
| Net gains and fees on sales of loans                             |   |               | 2,384  |   |                |   | 1,744   |   |   |   | 6,806   |   |   |   | 6,849 |   |
| Net realized gains on sales of available for sale securities     |   |               | 1,305  |   |                |   | 1,984   |   |   |   | 3,406   |   |   |   | 11,141 |   |
| Other-than-temporary impairment on available for sale securities |   |               |   |   |                |   | (2,979  | )      |   |   | (1,544  | )      |   |   | (6,729 | ) |
| Other income                                                     |   |               | 904    |   |                |   | (472    | )      |   |   | 1,588   |   |   |   | 1,470 |   |
| Total Other Income                                               |   |               | 13,593 |   |                |   | 9,557   |   |   |   | 48,544  |   |   |   | 51,201 |   |
| OTHER EXPENSES                                                   |   |               |   |   |                |   |    |   |   |   |    |   |   |   |   |   |
| Salaries and employee benefits                                   |   |               | 19,655 |   |                |   | 18,680  |   |   |   | 73,253  |   |   |   | 76,325 |   |
| Net occupancy                                                    |   |               | 2,452  |   |                |   | 2,816   |   |   |   | 9,935   |   |   |   | 10,250 |   |
| Equipment                                                        |   |               | 1,812  |   |                |   | 1,935   |   |   |   | 7,323   |   |   |   | 7,595 |   |
| Marketing                                                        |   |               | 527    |   |                |   | 513     |   |   |   | 1,970   |   |   |   | 2,134 |   |
| Outside data processing fees                                     |   |               | 1,154  |   |                |   | 1,488   |   |   |   | 5,093   |   |   |   | 6,186 |   |
| Printing and office supplies                                     |   |               | 317    |   |                |   | 359     |   |   |   | 1,259   |   |   |   | 1,419 |   |
| Core deposit amortization                                        |   |               | 1,161  |   |                |   | 1,277   |   |   |   | 4,721   |   |   |   | 5,109 |   |
| FDIC assessments                                                 |   |               | 2,044  |   |                |   | 3,203   |   |   |   | 8,121   |   |   |   | 10,394 |   |
| Other expenses                                                   |   |               | 9,071  |   |                |   | 9,386   |   |   |   | 30,636  |   |   |   | 32,146 |   |
| Total Other Expenses                                             |   |               | 38,193 |   |                |   | 39,657  |   |   |   | 142,311 |   |   |   | 151,558 |   |
| INCOME (LOSS) BEFORE INCOME TAX                                  |   |               | 3,815  |   |                |   | (18,555 | )      |   |   | 3,319   |   |   |   | (69,187 | ) |
| Income tax expense (benefit)                                     |   |               | 390    |   |                |   | (8,334  | )      |   |   | (2,984  | )      |   |   | (28,424 | ) |
| NET INCOME (LOSS)                                                |   |               | 3,425  |   |                |   | (10,221 | )      |   |   | 6,303   |   |   |   | (40,763 | ) |
| Gain on exchange of preferred stock for trust preferred debt     |   |               |   |   |                |   |    |   |   |   | 10,052  |   |   |   |   |   |
| Preferred stock dividends and discount accretion                 |   |               | (870   | )      |                |   | (1,451  | )      |   |   | (4,633  | )      |   |   | (4,979 | ) |
| NET INCOME (LOSS) AVAILABLE TO COMMON STOCKHOLDERS               |   | $                  | 2,555  |   |                | $      | (11,672 | )      |   | $      | 11,722  |   |   | $ | (45,742 | ) |
| Per Share Data:                                                  |   |               |   |   |                |   |    |   |   |   |    |   |   |   |   |   |
| Basic Net Income (Loss) Available to Common Stockholders         |   | $                  | 0.10   |   |                | $      | (0.55   | )      |   | $      | 0.48    |   |   | $ | (2.17 | ) |
| Diluted Net Income (Loss) Available to Common Stockholders       |   | $                  | 0.10   |   |                | $      | (0.55   | )      |   | $      | 0.48    |   |   | $ | (2.17 | ) |
| Cash Dividends Paid                                              |   | $                  | 0.01   |   |                | $      | 0.08    |   |   | $      | 0.04    |   |   | $ | 0.47 |   |
| Average Diluted Shares Outstanding (in thousands)                |   |               | 25,737 |   |                |   | 21,211  |   |   |   | 24,642  |   |   |   | 21,117 |   |

----

| FINANCIAL HIGHLIGHTS                                |   |               |      |   |                |   |      |   |   |   |      |   |
|-----------------------------------------------------|--------|--------------------|-----------|--------|---------------------|--------|-----------|--------|--------|--------|-----------|--------|
| (Dollars in thousands)                              |   | Three Months Ended |      |   | Twelve Months Ended |   |
|                                                |   | December 31,       |      |   | December 31,        |   |
|                                                |   | 2010               |      |   | 2009                |   |      | 2010   |   |   | 2009      |   |
| NET CHARGE OFF'S                                    |   | $                  | 7,761     |   |                | $      | 20,807    |   |   | $      | 55,637    |   |   | $ | 81,628 |   |
|                                                |   |               |      |   |                |   |      |   |   |   |      |   |   |   |   |   |
| AVERAGE BALANCES:                                   |   |               |      |   |                |   |      |   |   |   |      |   |   |   |   |   |
| Total Assets                                        |   | $                  | 4,249,187 |   |                | $      | 4,503,078 |   |   | $      | 4,271,714 |   |   | $ | 4,674,590 |   |
| Total Loans                                         |   |               | 2,893,657 |   |                |   | 3,345,086 |   |   |   | 3,050,850 |   |   |   | 3,546,316 |   |
| Total Earning Assets                                |   |               | 3,835,814 |   |                |   | 4,065,295 |   |   |   | 3,862,493 |   |   |   | 4,245,134 |   |
| Total Deposits                                      |   |               | 3,323,209 |   |                |   | 3,544,233 |   |   |   | 3,337,747 |   |   |   | 3,603,509 |   |
| Total Stockholders' Equity                          |   |               | 464,243   |   |                |   | 473,014   |   |   |   | 470,377   |   |   |   | 477,148 |   |
|                                                |   |               |      |   |                |   |      |   |   |   |      |   |   |   |   |   |
| FINANCIAL RATIOS:                                   |   |               |      |   |                |   |      |   |   |   |      |   |   |   |   |   |
| Return on Average Assets                            |   |               | 0.24      | %      |                |   | -1.04     | %      |   |   | 0.27      | %      |   |   | -0.98 | % |
| Return on Average Stockholders' Equity              |   |               | 2.20      |   |                |   | (9.87     | )      |   |   | 2.49      |   |   |   | (9.59 | ) |
| Average Earning Assets to Average Assets            |   |               | 90.27     |   |                |   | 90.28     |   |   |   | 90.42     |   |   |   | 90.81 |   |
| Allowance for Loan Losses as % of Total Loans       |   |               | 2.90      |   |                |   | 2.81      |   |   |   | 2.90      |   |   |   | 2.81 |   |
| Net Charge Off's as % of Average Loans (Annualized) |   |               | 1.07      |   |                |   | 2.49      |   |   |   | 1.82      |   |   |   | 2.30 |   |
| Average Stockholders' Equity to Average Assets      |   |               | 10.93     |   |                |   | 10.50     |   |   |   | 11.01     |   |   |   | 10.21 |   |
| Tax Equivalent Yield on Earning Assets              |   |               | 5.13      |   |                |   | 5.48      |   |   |   | 5.32      |   |   |   | 5.56 |   |
| Cost of Supporting Liabilities                      |   |               | 1.30      |   |                |   | 1.62      |   |   |   | 1.45      |   |   |   | 1.82 |   |
| Net Interest Margin (FTE) on Earning Assets         |   |               | 3.83      |   |                |   | 3.86      |   |   |   | 3.87      |   |   |   | 3.74 |   |

| NON-PERFORMING ASSETS                    |   |         |    |   |          |   |    |     |   |   |      |   |   |         |    |
|------------------------------------------|--------|--------------|---------|--------|---------------|--------|---------|----------|--------|--------|-----------|--------|--------|--------------|---------|
| (Dollars in thousands)                   |   | December 31, |    |   | September 30, |   |    | June 30, |   |   | March 31, |   |   | December 31, |    |
|                                     |   | 2010         |    |   | 2010          |   |    | 2010     |   |   | 2010      |   |   | 2009         |    |
| Non-Accrual Loans                        |   | $            | 90,591  |   |          | $      | 98,597  |     |   | $      | 120,205   |   |   | $            | 122,891 |   |   | $ | 118,409 |   |
| Renegotiated Loans                       |   |         | 7,139   |   |          |   | 5,320   |     |   |   | 1,657     |   |   |         | 859     |   |   |   | 8,833 |   |
| Non-Performing Loans (NPL)               |   |         | 97,730  |   |          |   | 103,917 |     |   |   | 121,862   |   |   |         | 123,750 |   |   |   | 127,242 |   |
| Real Estate Owned and Repossessed Assets |   |         | 20,927  |   |          |   | 21,546  |     |   |   | 20,124    |   |   |         | 18,268  |   |   |   | 14,879 |   |
| Non-Performing Assets (NPA)              |   |         | 118,657 |   |          |   | 125,463 |     |   |   | 141,986   |   |   |         | 142,018 |   |   |   | 142,121 |   |
| 90+ Days Delinquent                      |   |         | 1,330   |   |          |   | 5,320   |     |   |   | 4,537     |   |   |         | 2,600   |   |   |   | 3,967 |   |
| NPAS & 90 Day Delinquent             |   | $            | 119,987 |   |          | $      | 130,783 |     |   | $      | 146,523   |   |   | $            | 144,618 |   |   | $ | 146,088 |   |
|  Loan Loss Reserve                  |   | $            | 82,977  |   |          | $      | 83,660  |     |   | $      | 86,970    |   |   | $            | 88,568  |   |   | $ | 92,131 |   |
| YTD Charge-offs                          |   |         | 55,637  |   |          |   | 47,876  |     |   |   | 34,045    |   |   |         | 17,432  |   |   |   | 81,628 |   |
| NPAs / Actual Assets %                   |   |         | 2.85    | %      |          |   | 3.00    | %        |   |   | 3.39      | %      |   |         | 3.25    | % |   |   | 3.17 | % |
| NPAs & 90 Day / Actual Assets %      |   |         | 2.88    | %      |          |   | 3.13    | %        |   |   | 3.50      | %      |   |         | 3.30    | % |   |   | 3.26 | % |
| NPAs / Actual Loans and REO %            |   |         | 4.12    | %      |          |   | 4.25    | %        |   |   | 4.61      | %      |   |         | 4.50    | % |   |   | 4.32 | % |
| Loan Loss Reserves / Actual Loans (%)    |   |         | 2.90    | %      |          |   | 2.86    | %        |   |   | 2.84      | %      |   |         | 2.82    | % |   |   | 2.81 | % |
| NCOs / YTD Average Loans (%)             |   |         | 1.82    | %      |          |   | 1.54    | %        |   |   | 1.08      | %      |   |         | 0.54    | % |   |   | 2.30 | % |

----

| CONSOLIDATED BALANCE SHEETS                                             |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |
|-------------------------------------------------------------------------|--------|--------------|-----------|--------|---------------|--------|-----------|----------|--------|--------|-----------|--------|--------|--------------|-----------|
| (Dollars in thousands)                                                  |   | December 31, |      |   | September 30, |   |      | June 30, |   |   | March 31, |   |   | December 31, |      |
|                                                                    |   | 2010         |      |   | 2010          |   |      | 2010     |   |   | 2010      |   |   | 2009         |      |
| ASSETS                                                                  |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |
| Cash and due from banks                                                 |   | $            | 50,844    |   |          | $      | 54,736    |     |   | $      | 60,223    |   |   | $            | 52,679    |   |   | $ | 76,801 |   |
| Federal funds sold                                                      |   |         | 7,463     |   |          |   | 6,392     |     |   |   | 4,101     |   |   |         | 7,044     |   |   |   | 102,346 |   |
| Cash and cash equivalents                                               |   |         | 58,307    |   |          |   | 61,128    |     |   |   | 64,324    |   |   |         | 59,723    |   |   |   | 179,147 |   |
| Interest-bearing time deposits                                          |   |         | 65,216    |   |          |   | 114,401   |     |   |   | 40,823    |   |   |         | 157,735   |   |   |   | 74,025 |   |
| Investment securities                                                   |   |         | 826,797   |   |          |   | 701,852   |     |   |   | 646,185   |   |   |         | 639,081   |   |   |   | 563,117 |   |
| Mortgage loans held for sale                                            |   |         | 21,469    |   |          |   | 15,390    |     |   |   | 7,600     |   |   |         | 3,646     |   |   |   | 8,036 |   |
| Loans                                                                   |   |         | 2,835,683 |   |          |   | 2,913,364 |     |   |   | 3,051,346 |   |   |         | 3,134,540 |   |   |   | 3,269,788 |   |
| Less: Allowance for loan losses                                         |   |         | (82,977   | )      |          |   | (83,660   | )        |   |   | (86,970   | )      |   |         | (88,568   | ) |   |   | (92,131 | ) |
| Net loans                                                               |   |         | 2,752,706 |   |          |   | 2,829,704 |     |   |   | 2,964,376 |   |   |         | 3,045,972 |   |   |   | 3,177,657 |   |
| Premises and equipment                                                  |   |         | 52,450    |   |          |   | 52,774    |     |   |   | 53,437    |   |   |         | 54,431    |   |   |   | 55,804 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |         | 33,884    |   |          |   | 36,271    |     |   |   | 36,218    |   |   |         | 36,721    |   |   |   | 38,576 |   |
| Interest receivable                                                     |   |         | 18,674    |   |          |   | 20,310    |     |   |   | 18,894    |   |   |         | 19,532    |   |   |   | 20,818 |   |
| Core deposit intangibles and goodwill                                   |   |         | 154,019   |   |          |   | 155,180   |     |   |   | 156,340   |   |   |         | 157,532   |   |   |   | 158,740 |   |
| Cash surrender value of life insurance                                  |   |         | 96,731    |   |          |   | 96,206    |     |   |   | 95,666    |   |   |         | 95,146    |   |   |   | 94,636 |   |
| Other real estate owned                                                 |   |         | 20,927    |   |          |   | 21,546    |     |   |   | 20,124    |   |   |         | 18,268    |   |   |   | 14,879 |   |
| Tax asset, deferred and refundable                                      |   |         | 45,017    |   |          |   | 50,972    |     |   |   | 52,839    |   |   |         | 59,190    |   |   |   | 64,394 |   |
| Other assets                                                            |   |         | 24,045    |   |          |   | 24,586    |     |   |   | 26,422    |   |   |         | 28,889    |   |   |   | 31,123 |   |
| TOTAL ASSETS                                                            |   | $            | 4,170,242 |   |          | $      | 4,180,320 |     |   | $      | 4,183,248 |   |   | $            | 4,375,866 |   |   | $ | 4,480,952 |   |
| LIABILITIES                                                             |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Deposits:                                                               |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $            | 583,696   |   |          | $      | 525,463   |     |   | $      | 516,769   |   |   | $            | 520,551   |   |   | $ | 516,487 |   |
| Interest-bearing                                                        |   |         | 2,685,184 |   |          |   | 2,728,888 |     |   |   | 2,744,194 |   |   |         | 2,877,235 |   |   |   | 3,020,049 |   |
| Total Deposits                                                          |   |         | 3,268,880 |   |          |   | 3,254,351 |     |   |   | 3,260,963 |   |   |         | 3,397,786 |   |   |   | 3,536,536 |   |
| Borrowings:                                                             |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |         | 109,871   |   |          |   | 109,647   |     |   |   | 107,505   |   |   |         | 112,826   |   |   |   | 125,687 |   |
| Federal Home Loan Bank advances                                         |   |         | 82,684    |   |          |   | 92,628    |     |   |   | 100,540   |   |   |         | 123,261   |   |   |   | 129,749 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |         | 226,440   |   |          |   | 227,514   |     |   |   | 225,867   |   |   |         | 194,794   |   |   |   | 194,790 |   |
| Total Borrowings                                                        |   |         | 418,995   |   |          |   | 429,789   |     |   |   | 433,912   |   |   |         | 430,881   |   |   |   | 450,226 |   |
| Interest payable                                                        |   |         | 4,262     |   |          |   | 4,011     |     |   |   | 4,911     |   |   |         | 4,812     |   |   |   | 5,711 |   |
| Other liabilities                                                       |   |         | 24,303    |   |          |   | 29,704    |     |   |   | 25,933    |   |   |         | 53,446    |   |   |   | 24,694 |   |
| Total Liabilities                                                       |   |         | 3,716,440 |   |          |   | 3,717,855 |     |   |   | 3,725,719 |   |   |         | 3,886,925 |   |   |   | 4,017,167 |   |
| STOCKHOLDERS' EQUITY                                                    |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Series A, Issued and outstanding - 69,600 and 116,000 shares            |   |         | 67,880    |   |          |   | 67,764    |     |   |   | 67,649    |   |   |         | 112,559   |   |   |   | 112,373 |   |
| 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 - 25,574,251 and 21,227,741 shares               |   |         | 3,197     |   |          |   | 3,194     |     |   |   | 3,191     |   |   |         | 3,187     |   |   |   | 2,653 |   |
| Additional paid-in capital                                              |   |         | 232,503   |   |          |   | 231,979   |     |   |   | 231,372   |   |   |         | 230,764   |   |   |   | 206,600 |   |
| Retained earnings                                                       |   |         | 160,254   |   |          |   | 158,074   |     |   |   | 158,118   |   |   |         | 150,595   |   |   |   | 150,860 |   |
| Accumulated other comprehensive income (loss)                           |   |         | (10,157   | )      |          |   | 1,329     |     |   |   | (2,926    | )      |   |         | (8,289    | ) |   |   | (8,826 | ) |
| Total Stockholders' Equity                                              |   |         | 453,802   |   |          |   | 462,465   |     |   |   | 457,529   |   |   |         | 488,941   |   |   |   | 463,785 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $            | 4,170,242 |   |          | $      | 4,180,320 |     |   | $      | 4,183,248 |   |   | $            | 4,375,866 |   |   | $ | 4,480,952 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                                       |   |         |   |   |          |   |   |     |   |   |      |   |   |         |   |
|-----------------------------------------------------------------------------|--------|--------------|--------|--------|---------------|--------|--------|----------|--------|--------|-----------|--------|--------|--------------|--------|
| (Dollars in thousands, except per share amounts)                            |   | December 31, |   |   | September 30, |   |   | June 30, |   |   | March 31, |   |   | December 31, |   |
|                                                                        |   | 2010         |   |   | 2010          |   |   | 2010     |   |   | 2010      |   |   | 2009         |   |
| INTEREST INCOME                                                             |   |         |   |   |          |   |   |     |   |   |      |   |   |         |   |
| Loans receivable:                                                           |   |         |   |   |          |   |   |     |   |   |      |   |   |         |   |
| Taxable                                                                     |   | $            | 41,497 |   |          | $      | 43,148 |     |   | $      | 43,977    |   |   | $            | 45,448 |   |   | $ | 48,297 |   |
| Tax exempt                                                                  |   |         | (250   | )      |          |   | 236    |     |   |   | 252       |   |   |         | 277    |   |   |   | 296 |   |
| Investment securities:                                                      |   |         |   |   |          |   |   |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Taxable                                                                     |   |         | 3,680  |   |          |   | 3,100  |     |   |   | 3,286     |   |   |         | 2,891  |   |   |   | 2,348 |   |
| Tax exempt                                                                  |   |         | 2,573  |   |          |   | 2,610  |     |   |   | 2,548     |   |   |         | 2,646  |   |   |   | 2,668 |   |
| Federal funds sold                                                          |   |         | 3      |   |          |   | 3      |     |   |   | 3         |   |   |         | 17     |   |   |   | 37 |   |
| Deposits with financial institutions                                        |   |         | 142    |   |          |   | 84     |     |   |   | 95        |   |   |         | 60     |   |   |   | 75 |   |
| Federal Reserve and Federal Home Loan Bank stock                            |   |         | 312    |   |          |   | 250    |     |   |   | 330       |   |   |         | 360    |   |   |   | 348 |   |
| Total Interest Income                                                       |   |         | 47,957 |   |          |   | 49,431 |     |   |   | 50,491    |   |   |         | 51,699 |   |   |   | 54,069 |   |
| INTEREST EXPENSE                                                            |   |         |   |   |          |   |   |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Deposits                                                                    |   |         | 8,427  |   |          |   | 9,434  |     |   |   | 10,520    |   |   |         | 11,495 |   |   |   | 12,445 |   |
| Federal funds purchased                                                     |   |         |   |   |          |   | 1      |     |   |   | 4         |   |   |         |   |   |   |   |   |   |
| Securities sold under repurchase agreements                                 |   |         | 383    |   |          |   | 401    |     |   |   | 429       |   |   |         | 499    |   |   |   | 511 |   |
| Federal Home Loan Bank advances                                             |   |         | 1,146  |   |          |   | 1,218  |     |   |   | 1,440     |   |   |         | 1,564  |   |   |   | 1,627 |   |
| Subordinated debentures, revolving credit lines and term loans              |   |         | 2,508  |   |          |   | 2,695  |     |   |   | 1,919     |   |   |         | 1,926  |   |   |   | 1,921 |   |
| Total Interest Expense                                                      |   |         | 12,464 |   |          |   | 13,749 |     |   |   | 14,312    |   |   |         | 15,484 |   |   |   | 16,504 |   |
| NET INTEREST INCOME                                                         |   |         | 35,493 |   |          |   | 35,682 |     |   |   | 36,179    |   |   |         | 36,215 |   |   |   | 37,565 |   |
| Provision for loan losses                                                   |   |         | 7,078  |   |          |   | 10,521 |     |   |   | 15,015    |   |   |         | 13,869 |   |   |   | 26,020 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES                         |   |         | 28,415 |   |          |   | 25,161 |     |   |   | 21,164    |   |   |         | 22,346 |   |   |   | 11,545 |   |
| OTHER INCOME                                                                |   |         |   |   |          |   |   |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Service charges on deposit accounts                                         |   |         | 3,111  |   |          |   | 3,404  |     |   |   | 3,506     |   |   |         | 3,262  |   |   |   | 3,735 |   |
| Fiduciary activities                                                        |   |         | 1,881  |   |          |   | 1,773  |     |   |   | 1,978     |   |   |         | 2,060  |   |   |   | 1,826 |   |
| Other customer fees                                                         |   |         | 2,217  |   |          |   | 2,080  |     |   |   | 2,195     |   |   |         | 2,498  |   |   |   | 1,969 |   |
| Commission income                                                           |   |         | 1,267  |   |          |   | 1,482  |     |   |   | 1,487     |   |   |         | 1,989  |   |   |   | 1,181 |   |
| Earnings on cash surrender value of life insurance                          |   |         | 524    |   |          |   | 540    |     |   |   | 526       |   |   |         | 508    |   |   |   | 569 |   |
| Net gains and fees on sales of loans                                        |   |         | 2,384  |   |          |   | 2,088  |     |   |   | 1,185     |   |   |         | 1,149  |   |   |   | 1,744 |   |
| Net realized and unrealized gains on sales of available for sale securities |   |         | 1,305  |   |          |   | 2      |     |   |   | 257       |   |   |         | 1,842  |   |   |   | 1,984 |   |
| Other-than-temporary impairment on available for sale securities            |   |         |   |   |          |   | (656   | )        |   |   | (400      | )      |   |         | (488   | ) |   |   | (2,979 | ) |
| Other income                                                                |   |         | 904    |   |          |   | 332    |     |   |   | 208       |   |   |         | 144    |   |   |   | (472 | ) |
| Total Other Income                                                          |   |         | 13,593 |   |          |   | 11,045 |     |   |   | 10,942    |   |   |         | 12,964 |   |   |   | 9,557 |   |
| OTHER EXPENSES                                                              |   |         |   |   |          |   |   |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Salaries and employee benefits                                              |   |         | 19,655 |   |          |   | 18,094 |     |   |   | 17,942    |   |   |         | 17,562 |   |   |   | 18,680 |   |
| Net occupancy                                                               |   |         | 2,452  |   |          |   | 2,574  |     |   |   | 2,058     |   |   |         | 2,851  |   |   |   | 2,816 |   |
| Equipment                                                                   |   |         | 1,812  |   |          |   | 1,797  |     |   |   | 1,861     |   |   |         | 1,853  |   |   |   | 1,935 |   |
| Marketing                                                                   |   |         | 527    |   |          |   | 519    |     |   |   | 495       |   |   |         | 429    |   |   |   | 513 |   |
| Outside data processing fees                                                |   |         | 1,154  |   |          |   | 1,348  |     |   |   | 1,311     |   |   |         | 1,280  |   |   |   | 1,488 |   |
| Printing and office supplies                                                |   |         | 317    |   |          |   | 303    |     |   |   | 321       |   |   |         | 318    |   |   |   | 359 |   |
| Core deposit amortization                                                   |   |         | 1,161  |   |          |   | 1,161  |     |   |   | 1,192     |   |   |         | 1,207  |   |   |   | 1,277 |   |
| FDIC assessments                                                            |   |         | 2,044  |   |          |   | 2,112  |     |   |   | 2,243     |   |   |         | 1,722  |   |   |   | 3,203 |   |
| Other expenses                                                              |   |         | 9,071  |   |          |   | 7,227  |     |   |   | 6,920     |   |   |         | 7,418  |   |   |   | 9,386 |   |
| Total Other Expenses                                                        |   |         | 38,193 |   |          |   | 35,135 |     |   |   | 34,343    |   |   |         | 34,640 |   |   |   | 39,657 |   |
| INCOME (LOSS) BEFORE INCOME TAX                                             |   |         | 3,815  |   |          |   | 1,071  |     |   |   | (2,237    | )      |   |         | 670    |   |   |   | (18,555 | ) |
| Income tax expense (benefit)                                                |   |         | 390    |   |          |   | (564   | )        |   |   | (1,894    | )      |   |         | (916   | ) |   |   | (8,334 | ) |
| NET INCOME (LOSS)                                                           |   |         | 3,425  |   |          |   | 1,635  |     |   |   | (343      | )      |   |         | 1,586  |   |   |   | (10,221 | ) |
| Gain on exchange of preferred stock for trust preferred debt                |   |         |   |   |          |   |   |     |   |   | 10,052    |   |   |         |   |   |   |   |   |   |
| Preferred stock dividends and discount accretion                            |   |         | (870   | )      |          |   | (870   | )        |   |   | (1,443    | )      |   |         | (1,450 | ) |   |   | (1,451 | ) |
| NET INCOME (LOSS) AVAILABLE TO COMMON STOCKHOLDERS                          |   | $            | 2,555  |   |          | $      | 765    |     |   | $      | 8,266     |   |   | $            | 136    |   |   | $ | (11,672 | ) |
|  PER SHARE:                                                            |   |         |   |   |          |   |   |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Basic Net Income (Loss) Available to Common Stockholders                    |   | $            | 0.10   |   |          | $      | 0.02   |     |   | $      | 0.35      |   |   | $            | 0.01   |   |   | $ | (0.55 | ) |
| Diluted Net Income (Loss) Available to Common Stockholders                  |   | $            | 0.10   |   |          | $      | 0.02   |     |   | $      | 0.35      |   |   | $            | 0.01   |   |   | $ | (0.55 | ) |
| Cash Dividends Paid                                                         |   | $            | 0.01   |   |          | $      | 0.01   |     |   | $      | 0.01      |   |   | $            | 0.01   |   |   | $ | 0.08 |   |
| Average Diluted Shares Outstanding (in thousands)                           |   |         | 25,737 |   |          |   | 25,686 |     |   |   | 25,633    |   |   |         | 21,462 |   |   |   | 21,211 |   |
|  FINANCIAL RATIOS:                                                     |   |         |   |   |          |   |   |     |   |   |      |   |   |         |   |   |   |   |   |   |
| Return on Average Assets                                                    |   |         | 0.24   | %      |          |   | 0.07   | %        |   |   | 0.77      | %      |   |         | 0.01   | % |   |   | -1.04 | % |
| Return on Average Stockholders' Equity                                      |   |         | 2.20   |   |          |   | 0.67   |     |   |   | 6.73      |   |   |         | 0.12   |   |   |   | (9.87 | ) |
| Average Earning Assets to Average Assets                                    |   |         | 90.27  |   |          |   | 90.39  |     |   |   | 90.34     |   |   |         | 90.64  |   |   |   | 90.28 |   |
| Allowance for Loan Losses as % of Total Loans                               |   |         | 2.90   |   |          |   | 2.86   |     |   |   | 2.84      |   |   |         | 2.82   |   |   |   | 2.81 |   |
| Net Charge Off's as % of Average Loans (Annualized)                         |   |         | 1.07   |   |          |   | 1.84   |     |   |   | 2.14      |   |   |         | 2.18   |   |   |   | 2.49 |   |
| Average Stockholders' Equity to Average Assets                              |   |         | 10.93  |   |          |   | 10.95  |     |   |   | 11.47     |   |   |         | 10.70  |   |   |   | 10.50 |   |
| Tax Equivalent Yield on Earning Assets                                      |   |         | 5.13   |   |          |   | 5.38   |     |   |   | 5.38      |   |   |         | 5.39   |   |   |   | 5.48 |   |
| Cost of Supporting Liabilities                                              |   |         | 1.30   |   |          |   | 1.45   |     |   |   | 1.48      |   |   |         | 1.57   |   |   |   | 1.62 |   |
| Net Interest Margin (FTE) on Earning Assets                                 |   |         | 3.83   |   |          |   | 3.93   |     |   |   | 3.90      |   |   |         | 3.82   |   |   |   | 3.86 |   |

----

| LOANS                                                            |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |
|------------------------------------------------------------------|--------|--------------|-----------|--------|---------------|--------|-----------|----------|--------|--------|-----------|--------|--------|--------------|-----------|
| (Dollars in thousands)                                           |   | December 31, |      |   | September 30, |   |      | June 30, |   |   | March 31, |   |   | December 31, |      |
|                                                             |   | 2010         |      |   | 2010          |   |      | 2010     |   |   | 2010      |   |   | 2009         |      |
| Commercial and industrial loans                                  |   | $            | 530,322   |   |          | $      | 550,310   |     |   | $      | 589,157   |   |   | $            | 621,591   |   |   | $ | 675,860 |   |
| Agricultural production financing and other loans to farmers     |   |         | 95,516    |   |          |   | 99,087    |     |   |   | 108,439   |   |   |         | 109,457   |   |   |   | 121,031 |   |
| Real estate loans:                                               |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |   |   |   |   |   |
| Construction                                                     |   |         | 106,615   |   |          |   | 91,705    |     |   |   | 111,070   |   |   |         | 131,548   |   |   |   | 158,725 |   |
| Commercial and farmland                                          |   |         | 1,229,037 |   |          |   | 1,229,836 |     |   |   | 1,269,455 |   |   |         | 1,282,635 |   |   |   | 1,276,164 |   |
| Residential                                                      |   |         | 724,020   |   |          |   | 779,483   |     |   |   | 816,823   |   |   |         | 821,014   |   |   |   | 841,584 |   |
| Individuals' loans for household and other personal expenditures |   |         | 115,295   |   |          |   | 128,400   |     |   |   | 129,724   |   |   |         | 142,108   |   |   |   | 154,132 |   |
| Lease financing receivables, net of unearned income              |   |         | 5,157     |   |          |   | 5,763     |     |   |   | 6,143     |   |   |         | 6,396     |   |   |   | 7,135 |   |
| Other loans                                                      |   |         | 29,721    |   |          |   | 28,780    |     |   |   | 20,535    |   |   |         | 19,791    |   |   |   | 35,157 |   |
| Loans                                                            |   |         | 2,835,683 |   |          |   | 2,913,364 |     |   |   | 3,051,346 |   |   |         | 3,134,540 |   |   |   | 3,269,788 |   |
| Allowance for loan losses                                        |   |         | (82,977   | )      |          |   | (83,660   | )        |   |   | (86,970   | )      |   |         | (88,568   | ) |   |   | (92,131 | ) |
| NET LOANS                                                        |   | $            | 2,752,706 |   |          | $      | 2,829,704 |     |   | $      | 2,964,376 |   |   | $            | 3,045,972 |   |   | $ | 3,177,657 |   |

| DEPOSITS                                                 |   |         |      |   |          |   |      |     |   |   |      |   |   |         |      |
|----------------------------------------------------------|--------|--------------|-----------|--------|---------------|--------|-----------|----------|--------|--------|-----------|--------|--------|--------------|-----------|
| (Dollars in thousands)                                   |   | December 31, |      |   | September 30, |   |      | June 30, |   |   | March 31, |   |   | December 31, |      |
|                                                     |   | 2010         |      |   | 2010          |   |      | 2010     |   |   | 2010      |   |   | 2009         |      |
| Demand deposits                                          |   | $            | 1,362,927 |   |          | $      | 1,288,975 |     |   | $      | 1,246,006 |   |   | $            | 1,261,305 |   |   | $ | 1,308,741 |   |
| Savings deposits                                         |   |         | 763,949   |   |          |   | 761,181   |     |   |   | 730,105   |   |   |         | 738,742   |   |   |   | 733,142 |   |
| Certificates and other time deposits of $100,000 or more |   |         | 334,748   |   |          |   | 350,623   |     |   |   | 374,016   |   |   |         | 416,113   |   |   |   | 438,264 |   |
| Other certificates and time deposits                     |   |         | 661,569   |   |          |   | 685,917   |     |   |   | 715,941   |   |   |         | 750,382   |   |   |   | 781,509 |   |
| Brokered deposits                                        |   |         | 145,687   |   |          |   | 167,655   |     |   |   | 194,895   |   |   |         | 231,244   |   |   |   | 274,880 |   |
| TOTAL DEPOSITS                                           |   | $            | 3,268,880 |   |          | $      | 3,254,351 |     |   | $      | 3,260,963 |   |   | $            | 3,397,786 |   |   | $ | 3,536,536 |   |

----