----

----

| CONSOLIDATED BALANCE SHEETS                                             |   |      |      |   |   |   |
|-------------------------------------------------------------------------|--------|-----------|-----------|--------|--------|--------|
| (Dollars in thousands)                                                  |   | March 31, |      |
|                                                                    |   | 2011      |      |   | 2010   |   |
| ASSETS                                                                  |   |      |      |   |   |   |
| Cash and due from banks                                                 |   | $         | 44,283    |   |   | $      | 52,679 |   |
| Federal funds sold                                                      |   |      | 6,092     |   |   |   | 7,044 |   |
| Cash and cash equivalents                                               |   |      | 50,375    |   |   |   | 59,723 |   |
| Interest-bearing time deposits                                          |   |      | 61,843    |   |   |   | 157,735 |   |
| Investment securities                                                   |   |      | 886,029   |   |   |   | 639,081 |   |
| Mortgage loans held for sale                                            |   |      | 2,111     |   |   |   | 3,646 |   |
| Loans                                                                   |   |      | 2,764,128 |   |   |   | 3,134,540 |   |
| Less: Allowance for loan losses                                         |   |      | (80,936   | )      |   |   | (88,568 | ) |
| Net loans                                                               |   |      | 2,683,192 |   |   |   | 3,045,972 |   |
| Premises and equipment                                                  |   |      | 51,818    |   |   |   | 54,431 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |      | 33,801    |   |   |   | 36,721 |   |
| Interest receivable                                                     |   |      | 17,583    |   |   |   | 19,532 |   |
| Core deposit intangibles and goodwill                                   |   |      | 152,918   |   |   |   | 157,532 |   |
| Cash surrender value of life insurance                                  |   |      | 102,309   |   |   |   | 95,146 |   |
| Other real estate owned                                                 |   |      | 17,056    |   |   |   | 18,268 |   |
| Tax asset, deferred and receivable                                      |   |      | 38,224    |   |   |   | 59,190 |   |
| Other assets                                                            |   |      | 19,916    |   |   |   | 28,889 |   |
| TOTAL ASSETS                                                            |   | $         | 4,117,175 |   |   | $      | 4,375,866 |   |
| LIABILITIES                                                             |   |      |      |   |   |   |   |   |
| Deposits:                                                               |   |      |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $         | 586,973   |   |   | $      | 520,551 |   |
| Interest-bearing                                                        |   |      | 2,565,363 |   |   |   | 2,877,235 |   |
| Total Deposits                                                          |   |      | 3,152,336 |   |   |   | 3,397,786 |   |
| Borrowings:                                                             |   |      |      |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |      | 115,684   |   |   |   | 112,826 |   |
| Federal Home Loan Bank advances                                         |   |      | 104,697   |   |   |   | 123,261 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |      | 226,400   |   |   |   | 194,794 |   |
| Total Borrowings                                                        |   |      | 446,781   |   |   |   | 430,881 |   |
| Interest payable                                                        |   |      | 3,117     |   |   |   | 4,812 |   |
| Other liabilities                                                       |   |      | 52,419    |   |   |   | 53,446 |   |
| Total Liabilities                                                       |   |      | 3,654,653 |   |   |   | 3,886,925 |   |
| STOCKHOLDERS' EQUITY                                                    |   |      |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |      |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |      |      |   |   |   |   |   |
| Series A, Issued and outstanding - 69,600 and 116,000 shares            |   |      | 67,998    |   |   |   | 112,559 |   |
| 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 - 25,650,057 and 25,495,550 shares               |   |      | 3,206     |   |   |   | 3,187 |   |
| Additional paid-in capital                                              |   |      | 233,032   |   |   |   | 230,764 |   |
| Retained earnings                                                       |   |      | 165,075   |   |   |   | 150,595 |   |
| Accumulated other comprehensive loss                                    |   |      | (6,914    | )      |   |   | (8,289 | ) |
| Total Stockholders' Equity                                              |   |      | 462,522   |   |   |   | 488,941 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $         | 4,117,175 |   |   | $      | 4,375,866 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                            |   |               |   |   |   |   |
|------------------------------------------------------------------|--------|--------------------|--------|--------|--------|--------|
| (Dollars in thousands, except per share amounts)                 |   | Three Months Ended |   |
|                                                             |   | March 31,          |   |
|                                                             |   | 2011               |   |   | 2010   |   |
| INTEREST INCOME                                                  |   |               |   |   |   |   |
| Loans receivable:                                                |   |               |   |   |   |   |
| Taxable                                                          |   | $                  | 38,738 |   |   | $      | 45,448 |   |
| Tax-exempt                                                       |   |               | 102    |   |   |   | 277 |   |
| Investment securities:                                           |   |               |   |   |   |   |   |   |
| Taxable                                                          |   |               | 4,547  |   |   |   | 2,891 |   |
| Tax-exempt                                                       |   |               | 2,553  |   |   |   | 2,646 |   |
| Federal funds sold                                               |   |               | 2      |   |   |   | 17 |   |
| Deposits with financial institutions                             |   |               | 83     |   |   |   | 60 |   |
| Federal Reserve and Federal Home Loan Bank stock                 |   |               | 341    |   |   |   | 360 |   |
| Total Interest Income                                            |   |               | 46,366 |   |   |   | 51,699 |   |
| INTEREST EXPENSE                                                 |   |               |   |   |   |   |   |   |
| Deposits                                                         |   |               | 6,866  |   |   |   | 11,495 |   |
| Federal funds purchased                                          |   |               | 3      |   |   |   |   |   |
| Securities sold under repurchase agreements                      |   |               | 378    |   |   |   | 499 |   |
| Federal Home Loan Bank advances                                  |   |               | 1,001  |   |   |   | 1,564 |   |
| Subordinated debentures, revolving credit lines and term loans   |   |               | 2,641  |   |   |   | 1,926 |   |
| Total Interest Expense                                           |   |               | 10,889 |   |   |   | 15,484 |   |
| NET INTEREST INCOME                                              |   |               | 35,477 |   |   |   | 36,215 |   |
| Provision for loan losses                                        |   |               | 5,594  |   |   |   | 13,869 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES              |   |               | 29,883 |   |   |   | 22,346 |   |
| OTHER INCOME                                                     |   |               |   |   |   |   |   |   |
| Service charges on deposit accounts                              |   |               | 2,779  |   |   |   | 3,262 |   |
| Fiduciary activities                                             |   |               | 2,036  |   |   |   | 2,060 |   |
| Other customer fees                                              |   |               | 2,235  |   |   |   | 2,498 |   |
| Commission income                                                |   |               | 1,888  |   |   |   | 1,989 |   |
| Earnings on cash surrender value of life insurance               |   |               | 578    |   |   |   | 508 |   |
| Net gains and fees on sales of loans                             |   |               | 1,873  |   |   |   | 1,149 |   |
| Net realized gains on sales of available for sale securities     |   |               | 463    |   |   |   | 1,842 |   |
| Other-than-temporary impairment on available for sale securities |   |               | (400   | )      |   |   | (488 | ) |
| Other income                                                     |   |               | 406    |   |   |   | 144 |   |
| Total Other Income                                               |   |               | 11,858 |   |   |   | 12,964 |   |
| OTHER EXPENSES                                                   |   |               |   |   |   |   |   |   |
| Salaries and employee benefits                                   |   |               | 17,176 |   |   |   | 17,562 |   |
| Net occupancy                                                    |   |               | 2,745  |   |   |   | 2,851 |   |
| Equipment                                                        |   |               | 1,783  |   |   |   | 1,853 |   |
| Marketing                                                        |   |               | 382    |   |   |   | 429 |   |
| Outside data processing fees                                     |   |               | 1,445  |   |   |   | 1,280 |   |
| Printing and office supplies                                     |   |               | 288    |   |   |   | 318 |   |
| Core deposit amortization                                        |   |               | 1,101  |   |   |   | 1,207 |   |
| FDIC assessments                                                 |   |               | 2,104  |   |   |   | 1,722 |   |
| Other real estate owned and credit-related expenses              |   |               | 3,195  |   |   |   | 2,685 |   |
| Other expenses                                                   |   |               | 3,662  |   |   |   | 4,733 |   |
| Total Other Expenses                                             |   |               | 33,881 |   |   |   | 34,640 |   |
| INCOME BEFORE INCOME TAX                                         |   |               | 7,860  |   |   |   | 670 |   |
| Income tax expense (benefit)                                     |   |               | 2,399  |   |   |   | (916 | ) |
| NET INCOME                                                       |   |               | 5,461  |   |   |   | 1,586 |   |
| Preferred stock dividends and discount accretion                 |   |               | (988   | )      |   |   | (1,450 | ) |
| NET INCOME AVAILABLE TO COMMON STOCKHOLDERS                      |   | $                  | 4,473  |   |   | $      | 136 |   |
|  Per Share Data:                                            |   |               |   |   |   |   |   |   |
| Basic Net Income Available to Common Stockholders                |   | $                  | 0.17   |   |   | $      | 0.01 |   |
| Diluted Net Income Available to Common Stockholders              |   | $                  | 0.17   |   |   | $      | 0.01 |   |
| Cash Dividends Paid                                              |   | $                  | 0.01   |   |   | $      | 0.01 |   |
| Average Diluted Shares Outstanding (in thousands)                |   |               | 25,763 |   |   |   | 21,462 |   |

----

| FINANCIAL HIGHLIGHTS                                |   |               |      |   |   |   |
|-----------------------------------------------------|--------|--------------------|-----------|--------|--------|--------|
| (Dollars in thousands)                              |   | Three Months Ended |      |
|                                                |   | March 31,          |      |
|                                                |   | 2011               |      |   | 2010   |   |
| NET CHARGE OFF'S                                    |   | $                  | 7,635     |   |   | $      | 17,432 |   |
|                                                |   |               |      |   |   |   |   |   |
| AVERAGE BALANCES:                                   |   |               |      |   |   |   |   |   |
| Total Assets                                        |   | $                  | 4,122,390 |   |   | $      | 4,363,768 |   |
| Total Loans                                         |   |               | 2,804,303 |   |   |   | 3,203,826 |   |
| Total Earning Assets                                |   |               | 3,744,196 |   |   |   | 3,955,515 |   |
| Total Deposits                                      |   |               | 3,218,504 |   |   |   | 3,431,831 |   |
| Total Stockholders' Equity                          |   |               | 456,189   |   |   |   | 466,994 |   |
|                                                |   |               |      |   |   |   |   |   |
| FINANCIAL RATIOS:                                   |   |               |      |   |   |   |   |   |
| Return on Average Assets                            |   |               | 0.43      | %      |   |   | 0.01 | % |
| Return on Average Stockholders' Equity              |   |               | 3.92      |   |   |   | 0.12 |   |
| Average Earning Assets to Average Assets            |   |               | 90.83     |   |   |   | 90.64 |   |
| Allowance for Loan Losses as % of Total Loans       |   |               | 2.93      |   |   |   | 2.82 |   |
| Net Charge Off's as % of Average Loans (Annualized) |   |               | 1.09      |   |   |   | 2.18 |   |
| Average Stockholders' Equity to Average Assets      |   |               | 11.07     |   |   |   | 10.70 |   |
| Tax Equivalent Yield on Earning Assets              |   |               | 5.11      |   |   |   | 5.39 |   |
| Cost of Supporting Liabilities                      |   |               | 1.16      |   |   |   | 1.57 |   |
| Net Interest Margin (FTE) on Earning Assets         |   |               | 3.95      |   |   |   | 3.82 |   |

| NON-PERFORMING ASSETS                    |   |      |    |   |         |   |    |          |   |   |     |   |   |      |    |
|------------------------------------------|--------|-----------|---------|--------|--------------|--------|---------|---------------|--------|--------|----------|--------|--------|-----------|---------|
| (Dollars in thousands)                   |   | March 31, |    |   | December 31, |   |    | September 30, |   |   | June 30, |   |   | March 31, |    |
|                                     |   | 2011      |    |   | 2010         |   |    | 2010          |   |   | 2010     |   |   | 2010      |    |
| Non-Accrual Loans                        |   | $         | 87,712  |   |         | $      | 90,591  |          |   | $      | 98,597   |   |   | $         | 120,205 |   |   | $ | 122,891 |   |
| Renegotiated Loans                       |   |      | 2,125   |   |         |   | 7,139   |          |   |   | 5,320    |   |   |      | 1,657   |   |   |   | 859 |   |
| Non-Performing Loans (NPL)               |   |      | 89,837  |   |         |   | 97,730  |          |   |   | 103,917  |   |   |      | 121,862 |   |   |   | 123,750 |   |
| Real Estate Owned and Repossessed Assets |   |      | 17,056  |   |         |   | 20,927  |          |   |   | 21,546   |   |   |      | 20,124  |   |   |   | 18,268 |   |
| Non-Performing Assets (NPA)              |   |      | 106,893 |   |         |   | 118,657 |          |   |   | 125,463  |   |   |      | 141,986 |   |   |   | 142,018 |   |
| 90+ Days Delinquent                      |   |      | 752     |   |         |   | 1,330   |          |   |   | 5,320    |   |   |      | 4,537   |   |   |   | 2,600 |   |
| NPAS & 90 Day Delinquent             |   | $         | 107,645 |   |         | $      | 119,987 |          |   | $      | 130,783  |   |   | $         | 146,523 |   |   | $ | 144,618 |   |
|  Loan Loss Reserve                  |   | $         | 80,936  |   |         | $      | 82,977  |          |   | $      | 83,660   |   |   | $         | 86,970  |   |   | $ | 88,568 |   |
| YTD Charge-offs                          |   |      | 7,635   |   |         |   | 55,637  |          |   |   | 47,876   |   |   |      | 34,045  |   |   |   | 17,432 |   |
| NPAs / Actual Assets %                   |   |      | 2.60    | %      |         |   | 2.84    | %             |   |   | 3.00     | %      |   |      | 3.39    | % |   |   | 3.25 | % |
| NPAs & 90 Day / Actual Assets %      |   |      | 2.61    | %      |         |   | 2.88    | %             |   |   | 3.13     | %      |   |      | 3.50    | % |   |   | 3.30 | % |
| NPAs / Actual Loans and REO %            |   |      | 3.84    | %      |         |   | 4.12    | %             |   |   | 4.25     | %      |   |      | 4.61    | % |   |   | 4.50 | % |
| Loan Loss Reserves / Actual Loans (%)    |   |      | 2.93    | %      |         |   | 2.90    | %             |   |   | 2.86     | %      |   |      | 2.84    | % |   |   | 2.82 | % |
| NCOs / YTD Average Loans (%)             |   |      | 0.27    | %      |         |   | 1.82    | %             |   |   | 1.54     | %      |   |      | 1.08    | % |   |   | 0.54 | % |

----

| CONSOLIDATED BALANCE SHEETS                                             |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |
|-------------------------------------------------------------------------|--------|-----------|-----------|--------|--------------|--------|-----------|---------------|--------|--------|-----------|--------|--------|-----------|-----------|
| (Dollars in thousands)                                                  |   | March 31, |      |   | December 31, |   |      | September 30, |   |   | June 30,  |   |   | March 31, |      |
|                                                                    |   | 2011      |      |   | 2010         |   |      | 2010          |   |   | 2010      |   |   | 2010      |      |
| ASSETS                                                                  |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |
| Cash and due from banks                                                 |   | $         | 44,283    |   |         | $      | 50,844    |          |   | $      | 54,736    |   |   | $         | 60,223    |   |   | $ | 52,679 |   |
| Federal funds sold                                                      |   |      | 6,092     |   |         |   | 7,463     |          |   |   | 6,392     |   |   |      | 4,101     |   |   |   | 7,044 |   |
| Cash and cash equivalents                                               |   |      | 50,375    |   |         |   | 58,307    |          |   |   | 61,128    |   |   |      | 64,324    |   |   |   | 59,723 |   |
| Interest-bearing time deposits                                          |   |      | 61,843    |   |         |   | 65,216    |          |   |   | 114,401   |   |   |      | 40,823    |   |   |   | 157,735 |   |
| Investment securities                                                   |   |      | 886,029   |   |         |   | 826,797   |          |   |   | 701,852   |   |   |      | 646,185   |   |   |   | 639,081 |   |
| Mortgage loans held for sale                                            |   |      | 2,111     |   |         |   | 21,469    |          |   |   | 15,390    |   |   |      | 7,600     |   |   |   | 3,646 |   |
| Loans                                                                   |   |      | 2,764,128 |   |         |   | 2,835,683 |          |   |   | 2,913,364 |   |   |      | 3,051,346 |   |   |   | 3,134,540 |   |
| Less: Allowance for loan losses                                         |   |      | (80,936   | )      |         |   | (82,977   | )             |   |   | (83,660   | )      |   |      | (86,970   | ) |   |   | (88,568 | ) |
| Net loans                                                               |   |      | 2,683,192 |   |         |   | 2,752,706 |          |   |   | 2,829,704 |   |   |      | 2,964,376 |   |   |   | 3,045,972 |   |
| Premises and equipment                                                  |   |      | 51,818    |   |         |   | 52,450    |          |   |   | 52,774    |   |   |      | 53,437    |   |   |   | 54,431 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |      | 33,801    |   |         |   | 33,884    |          |   |   | 36,271    |   |   |      | 36,218    |   |   |   | 36,721 |   |
| Interest receivable                                                     |   |      | 17,583    |   |         |   | 18,674    |          |   |   | 20,310    |   |   |      | 18,894    |   |   |   | 19,532 |   |
| Core deposit intangibles and goodwill                                   |   |      | 152,918   |   |         |   | 154,019   |          |   |   | 155,180   |   |   |      | 156,340   |   |   |   | 157,532 |   |
| Cash surrender value of life insurance                                  |   |      | 102,309   |   |         |   | 96,731    |          |   |   | 96,206    |   |   |      | 95,666    |   |   |   | 95,146 |   |
| Other real estate owned                                                 |   |      | 17,056    |   |         |   | 20,927    |          |   |   | 21,546    |   |   |      | 20,124    |   |   |   | 18,268 |   |
| Tax asset, deferred and refundable                                      |   |      | 38,224    |   |         |   | 45,623    |          |   |   | 50,972    |   |   |      | 52,839    |   |   |   | 59,190 |   |
| Other assets                                                            |   |      | 19,916    |   |         |   | 24,045    |          |   |   | 24,586    |   |   |      | 26,422    |   |   |   | 28,889 |   |
| TOTAL ASSETS                                                            |   | $         | 4,117,175 |   |         | $      | 4,170,848 |          |   | $      | 4,180,320 |   |   | $         | 4,183,248 |   |   | $ | 4,375,866 |   |
| LIABILITIES                                                             |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Deposits:                                                               |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $         | 586,973   |   |         | $      | 583,696   |          |   | $      | 525,463   |   |   | $         | 516,769   |   |   | $ | 520,551 |   |
| Interest-bearing                                                        |   |      | 2,565,363 |   |         |   | 2,685,184 |          |   |   | 2,728,888 |   |   |      | 2,744,194 |   |   |   | 2,877,235 |   |
| Total Deposits                                                          |   |      | 3,152,336 |   |         |   | 3,268,880 |          |   |   | 3,254,351 |   |   |      | 3,260,963 |   |   |   | 3,397,786 |   |
| Borrowings:                                                             |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |      | 115,684   |   |         |   | 109,871   |          |   |   | 109,647   |   |   |      | 107,505   |   |   |   | 112,826 |   |
| Federal Home Loan Bank advances                                         |   |      | 104,697   |   |         |   | 82,684    |          |   |   | 92,628    |   |   |      | 100,540   |   |   |   | 123,261 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |      | 226,400   |   |         |   | 226,440   |          |   |   | 227,514   |   |   |      | 225,867   |   |   |   | 194,794 |   |
| Total Borrowings                                                        |   |      | 446,781   |   |         |   | 418,995   |          |   |   | 429,789   |   |   |      | 433,912   |   |   |   | 430,881 |   |
| Interest payable                                                        |   |      | 3,117     |   |         |   | 4,262     |          |   |   | 4,011     |   |   |      | 4,911     |   |   |   | 4,812 |   |
| Other liabilities                                                       |   |      | 52,419    |   |         |   | 24,303    |          |   |   | 29,704    |   |   |      | 25,933    |   |   |   | 53,446 |   |
| Total Liabilities                                                       |   |      | 3,654,653 |   |         |   | 3,716,440 |          |   |   | 3,717,855 |   |   |      | 3,725,719 |   |   |   | 3,886,925 |   |
| STOCKHOLDERS' EQUITY                                                    |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Series A, Issued and outstanding - 69,600 and 116,000 shares            |   |      | 67,998    |   |         |   | 67,880    |          |   |   | 67,764    |   |   |      | 67,649    |   |   |   | 112,559 |   |
| 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 - 25,650,057 and 25,495,550 shares               |   |      | 3,206     |   |         |   | 3,197     |          |   |   | 3,194     |   |   |      | 3,191     |   |   |   | 3,187 |   |
| Additional paid-in capital                                              |   |      | 233,032   |   |         |   | 232,503   |          |   |   | 231,979   |   |   |      | 231,372   |   |   |   | 230,764 |   |
| Retained earnings                                                       |   |      | 165,075   |   |         |   | 160,860   |          |   |   | 158,074   |   |   |      | 158,118   |   |   |   | 150,595 |   |
| Accumulated other comprehensive income (loss)                           |   |      | (6,914    | )      |         |   | (10,157   | )             |   |   | 1,329     |   |   |      | (2,926    | ) |   |   | (8,289 | ) |
| Total Stockholders' Equity                                              |   |      | 462,522   |   |         |   | 454,408   |          |   |   | 462,465   |   |   |      | 457,529   |   |   |   | 488,941 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $         | 4,117,175 |   |         | $      | 4,170,848 |          |   | $      | 4,180,320 |   |   | $         | 4,183,248 |   |   | $ | 4,375,866 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                                       |   |      |   |   |         |   |   |          |   |   |     |   |   |      |   |
|-----------------------------------------------------------------------------|--------|-----------|--------|--------|--------------|--------|--------|---------------|--------|--------|----------|--------|--------|-----------|--------|
| (Dollars in thousands, except per share amounts)                            |   | March 31, |   |   | December 31, |   |   | September 30, |   |   | June 30, |   |   | March 31, |   |
|                                                                        |   | 2011      |   |   | 2010         |   |   | 2010          |   |   | 2010     |   |   | 2010      |   |
| INTEREST INCOME                                                             |   |      |   |   |         |   |   |          |   |   |     |   |   |      |   |
| Loans receivable:                                                           |   |      |   |   |         |   |   |          |   |   |     |   |   |      |   |
| Taxable                                                                     |   | $         | 38,738 |   |         | $      | 41,497 |          |   | $      | 43,148   |   |   | $         | 43,977 |   |   | $ | 45,448 |   |
| Tax exempt                                                                  |   |      | 102    |   |         |   | (250   | )             |   |   | 236      |   |   |      | 252    |   |   |   | 277 |   |
| Investment securities:                                                      |   |      |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |
| Taxable                                                                     |   |      | 4,547  |   |         |   | 3,680  |          |   |   | 3,100    |   |   |      | 3,286  |   |   |   | 2,891 |   |
| Tax exempt                                                                  |   |      | 2,553  |   |         |   | 2,573  |          |   |   | 2,610    |   |   |      | 2,548  |   |   |   | 2,646 |   |
| Federal funds sold                                                          |   |      | 2      |   |         |   | 3      |          |   |   | 3        |   |   |      | 3      |   |   |   | 17 |   |
| Deposits with financial institutions                                        |   |      | 83     |   |         |   | 142    |          |   |   | 84       |   |   |      | 95     |   |   |   | 60 |   |
| Federal Reserve and Federal Home Loan Bank stock                            |   |      | 341    |   |         |   | 312    |          |   |   | 250      |   |   |      | 330    |   |   |   | 360 |   |
| Total Interest Income                                                       |   |      | 46,366 |   |         |   | 47,957 |          |   |   | 49,431   |   |   |      | 50,491 |   |   |   | 51,699 |   |
| INTEREST EXPENSE                                                            |   |      |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |
| Deposits                                                                    |   |      | 6,866  |   |         |   | 8,427  |          |   |   | 9,434    |   |   |      | 10,520 |   |   |   | 11,495 |   |
| Federal funds purchased                                                     |   |      | 3      |   |         |   |   |          |   |   | 1        |   |   |      | 4      |   |   |   |   |   |
| Securities sold under repurchase agreements                                 |   |      | 378    |   |         |   | 383    |          |   |   | 401      |   |   |      | 429    |   |   |   | 499 |   |
| Federal Home Loan Bank advances                                             |   |      | 1,001  |   |         |   | 1,146  |          |   |   | 1,218    |   |   |      | 1,440  |   |   |   | 1,564 |   |
| Subordinated debentures, revolving credit lines and term loans              |   |      | 2,641  |   |         |   | 2,508  |          |   |   | 2,695    |   |   |      | 1,919  |   |   |   | 1,926 |   |
| Total Interest Expense                                                      |   |      | 10,889 |   |         |   | 12,464 |          |   |   | 13,749   |   |   |      | 14,312 |   |   |   | 15,484 |   |
| NET INTEREST INCOME                                                         |   |      | 35,477 |   |         |   | 35,493 |          |   |   | 35,682   |   |   |      | 36,179 |   |   |   | 36,215 |   |
| Provision for loan losses                                                   |   |      | 5,594  |   |         |   | 7,078  |          |   |   | 10,521   |   |   |      | 15,015 |   |   |   | 13,869 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES                         |   |      | 29,883 |   |         |   | 28,415 |          |   |   | 25,161   |   |   |      | 21,164 |   |   |   | 22,346 |   |
| OTHER INCOME                                                                |   |      |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |
| Service charges on deposit accounts                                         |   |      | 2,779  |   |         |   | 3,111  |          |   |   | 3,404    |   |   |      | 3,506  |   |   |   | 3,262 |   |
| Fiduciary activities                                                        |   |      | 2,036  |   |         |   | 1,881  |          |   |   | 1,773    |   |   |      | 1,978  |   |   |   | 2,060 |   |
| Other customer fees                                                         |   |      | 2,235  |   |         |   | 2,217  |          |   |   | 2,080    |   |   |      | 2,195  |   |   |   | 2,498 |   |
| Commission income                                                           |   |      | 1,888  |   |         |   | 1,267  |          |   |   | 1,482    |   |   |      | 1,487  |   |   |   | 1,989 |   |
| Earnings on cash surrender value of life insurance                          |   |      | 578    |   |         |   | 524    |          |   |   | 540      |   |   |      | 526    |   |   |   | 508 |   |
| Net gains and fees on sales of loans                                        |   |      | 1,873  |   |         |   | 2,384  |          |   |   | 2,088    |   |   |      | 1,185  |   |   |   | 1,149 |   |
| Net realized and unrealized gains on sales of available for sale securities |   |      | 463    |   |         |   | 1,305  |          |   |   | 2        |   |   |      | 257    |   |   |   | 1,842 |   |
| Other-than-temporary impairment on available for sale securities            |   |      | (400   | )      |         |   |   |          |   |   | (656     | )      |   |      | (400   | ) |   |   | (488 | ) |
| Other income                                                                |   |      | 406    |   |         |   | 904    |          |   |   | 332      |   |   |      | 208    |   |   |   | 144 |   |
| Total Other Income                                                          |   |      | 11,858 |   |         |   | 13,593 |          |   |   | 11,045   |   |   |      | 10,942 |   |   |   | 12,964 |   |
| OTHER EXPENSES                                                              |   |      |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |
| Salaries and employee benefits                                              |   |      | 17,176 |   |         |   | 19,655 |          |   |   | 18,094   |   |   |      | 17,942 |   |   |   | 17,562 |   |
| Net occupancy                                                               |   |      | 2,745  |   |         |   | 2,452  |          |   |   | 2,574    |   |   |      | 2,058  |   |   |   | 2,851 |   |
| Equipment                                                                   |   |      | 1,783  |   |         |   | 1,812  |          |   |   | 1,797    |   |   |      | 1,861  |   |   |   | 1,853 |   |
| Marketing                                                                   |   |      | 382    |   |         |   | 527    |          |   |   | 519      |   |   |      | 495    |   |   |   | 429 |   |
| Outside data processing fees                                                |   |      | 1,445  |   |         |   | 1,154  |          |   |   | 1,348    |   |   |      | 1,311  |   |   |   | 1,280 |   |
| Printing and office supplies                                                |   |      | 288    |   |         |   | 317    |          |   |   | 303      |   |   |      | 321    |   |   |   | 318 |   |
| Core deposit amortization                                                   |   |      | 1,101  |   |         |   | 1,161  |          |   |   | 1,161    |   |   |      | 1,192  |   |   |   | 1,207 |   |
| FDIC assessments                                                            |   |      | 2,104  |   |         |   | 2,044  |          |   |   | 2,112    |   |   |      | 2,243  |   |   |   | 1,722 |   |
| Other real estate owned and credit-related expenses                         |   |      | 3,195  |   |         |   | 5,257  |          |   |   | 2,991    |   |   |      | 1,503  |   |   |   | 2,685 |   |
| Other expenses                                                              |   |      | 3,662  |   |         |   | 3,814  |          |   |   | 4,236    |   |   |      | 5,417  |   |   |   | 4,733 |   |
| Total Other Expenses                                                        |   |      | 33,881 |   |         |   | 38,193 |          |   |   | 35,135   |   |   |      | 34,343 |   |   |   | 34,640 |   |
| INCOME (LOSS) BEFORE INCOME TAX                                             |   |      | 7,860  |   |         |   | 3,815  |          |   |   | 1,071    |   |   |      | (2,237 | ) |   |   | 670 |   |
| Income tax expense (benefit)                                                |   |      | 2,399  |   |         |   | (216   | )             |   |   | (564     | )      |   |      | (1,894 | ) |   |   | (916 | ) |
| NET INCOME (LOSS)                                                           |   |      | 5,461  |   |         |   | 4,031  |          |   |   | 1,635    |   |   |      | (343   | ) |   |   | 1,586 |   |
| Gain on exchange of preferred stock for trust preferred debt                |   |      |   |   |         |   |   |          |   |   |     |   |   |      | 10,052 |   |   |   |   |   |
| Preferred stock dividends and discount accretion                            |   |      | (988   | )      |         |   | (1,476 | )             |   |   | (870     | )      |   |      | (1,443 | ) |   |   | (1,450 | ) |
| NET INCOME AVAILABLE TO COMMON STOCKHOLDERS                                 |   | $         | 4,473  |   |         | $      | 2,555  |          |   | $      | 765      |   |   | $         | 8,266  |   |   | $ | 136 |   |
|  PER SHARE:                                                            |   |      |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |
| Basic Net Income Available to Common Stockholders                           |   | $         | 0.17   |   |         | $      | 0.10   |          |   | $      | 0.02     |   |   | $         | 0.35   |   |   | $ | 0.01 |   |
| Diluted Net Income Available to Common Stockholders                         |   | $         | 0.17   |   |         | $      | 0.10   |          |   | $      | 0.02     |   |   | $         | 0.35   |   |   | $ | 0.01 |   |
| Cash Dividends Paid                                                         |   | $         | 0.01   |   |         | $      | 0.01   |          |   | $      | 0.01     |   |   | $         | 0.01   |   |   | $ | 0.01 |   |
| Average Diluted Shares Outstanding (in thousands)                           |   |      | 25,763 |   |         |   | 25,737 |          |   |   | 25,686   |   |   |      | 25,633 |   |   |   | 21,462 |   |
| FINANCIAL RATIOS:                                                           |   |      |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |
| Return on Average Assets                                                    |   |      | 0.43   | %      |         |   | 0.24   | %             |   |   | 0.07     | %      |   |      | 0.77   | % |   |   | 0.01 | % |
| Return on Average Stockholders' Equity                                      |   |      | 3.92   |   |         |   | 2.20   |          |   |   | 0.67     |   |   |      | 6.73   |   |   |   | 0.12 |   |
| Average Earning Assets to Average Assets                                    |   |      | 90.83  |   |         |   | 90.27  |          |   |   | 90.39    |   |   |      | 90.34  |   |   |   | 90.64 |   |
| Allowance for Loan Losses as % of Total Loans                               |   |      | 2.93   |   |         |   | 2.90   |          |   |   | 2.86     |   |   |      | 2.84   |   |   |   | 2.82 |   |
| Net Charge Off's as % of Average Loans (Annualized)                         |   |      | 1.09   |   |         |   | 1.07   |          |   |   | 1.84     |   |   |      | 2.14   |   |   |   | 2.18 |   |
| Average Stockholders' Equity to Average Assets                              |   |      | 11.07  |   |         |   | 10.93  |          |   |   | 10.95    |   |   |      | 11.47  |   |   |   | 10.70 |   |
| Tax Equivalent Yield on Earning Assets                                      |   |      | 5.11   |   |         |   | 5.13   |          |   |   | 5.38     |   |   |      | 5.38   |   |   |   | 5.39 |   |
| Cost of Supporting Liabilities                                              |   |      | 1.16   |   |         |   | 1.30   |          |   |   | 1.45     |   |   |      | 1.48   |   |   |   | 1.57 |   |
| Net Interest Margin (FTE) on Earning Assets                                 |   |      | 3.95   |   |         |   | 3.83   |          |   |   | 3.93     |   |   |      | 3.90   |   |   |   | 3.82 |   |

----

| LOANS                                                            |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |
|------------------------------------------------------------------|--------|-----------|-----------|--------|--------------|--------|-----------|---------------|--------|--------|-----------|--------|--------|-----------|-----------|
| (Dollars in thousands)                                           |   | March 31, |      |   | December 31, |   |      | September 30, |   |   | June 30,  |   |   | March 31, |      |
|                                                             |   | 2011      |      |   | 2010         |   |      | 2010          |   |   | 2010      |   |   | 2010      |      |
| Commercial and industrial loans                                  |   | $         | 529,110   |   |         | $      | 530,322   |          |   | $      | 550,310   |   |   | $         | 589,157   |   |   | $ | 621,591 |   |
| Agricultural production financing and other loans to farmers     |   |      | 89,032    |   |         |   | 95,516    |          |   |   | 99,087    |   |   |      | 108,439   |   |   |   | 109,457 |   |
| Real estate loans:                                               |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |   |   |   |   |   |
| Construction                                                     |   |      | 103,956   |   |         |   | 106,615   |          |   |   | 91,705    |   |   |      | 111,070   |   |   |   | 131,548 |   |
| Commercial and farm land                                         |   |      | 1,199,078 |   |         |   | 1,229,037 |          |   |   | 1,229,836 |   |   |      | 1,269,455 |   |   |   | 1,282,635 |   |
| Residential                                                      |   |      | 699,773   |   |         |   | 724,020   |          |   |   | 779,483   |   |   |      | 816,823   |   |   |   | 821,014 |   |
| Individuals' loans for household and other personal expenditures |   |      | 104,701   |   |         |   | 115,295   |          |   |   | 128,400   |   |   |      | 129,724   |   |   |   | 142,108 |   |
| Lease financing receivables, net of unearned income              |   |      | 4,706     |   |         |   | 5,157     |          |   |   | 5,763     |   |   |      | 6,143     |   |   |   | 6,396 |   |
| Other loans                                                      |   |      | 33,772    |   |         |   | 29,721    |          |   |   | 28,780    |   |   |      | 20,535    |   |   |   | 19,791 |   |
| Loans                                                            |   |      | 2,764,128 |   |         |   | 2,835,683 |          |   |   | 2,913,364 |   |   |      | 3,051,346 |   |   |   | 3,134,540 |   |
| Allowance for loan losses                                        |   |      | (80,936   | )      |         |   | (82,977   | )             |   |   | (83,660   | )      |   |      | (86,970   | ) |   |   | (88,568 | ) |
| NET LOANS                                                        |   | $         | 2,683,192 |   |         | $      | 2,752,706 |          |   | $      | 2,829,704 |   |   | $         | 2,964,376 |   |   | $ | 3,045,972 |   |

| DEPOSITS                                                 |   |      |      |   |         |   |      |          |   |   |      |   |   |      |      |
|----------------------------------------------------------|--------|-----------|-----------|--------|--------------|--------|-----------|---------------|--------|--------|-----------|--------|--------|-----------|-----------|
| (Dollars in thousands)                                   |   | March 31, |      |   | December 31, |   |      | September 30, |   |   | June 30,  |   |   | March 31, |      |
|                                                     |   | 2011      |      |   | 2010         |   |      | 2010          |   |   | 2010      |   |   | 2010      |      |
| Demand deposits                                          |   | $         | 1,318,188 |   |         | $      | 1,362,927 |          |   | $      | 1,288,975 |   |   | $         | 1,246,006 |   |   | $ | 1,261,305 |   |
| Savings deposits                                         |   |      | 765,138   |   |         |   | 763,949   |          |   |   | 761,181   |   |   |      | 730,105   |   |   |   | 738,742 |   |
| Certificates and other time deposits of $100,000 or more |   |      | 318,663   |   |         |   | 334,748   |          |   |   | 350,623   |   |   |      | 374,016   |   |   |   | 416,113 |   |
| Other certificates and time deposits                     |   |      | 624,032   |   |         |   | 661,569   |          |   |   | 685,917   |   |   |      | 715,941   |   |   |   | 750,382 |   |
| Brokered deposits                                        |   |      | 126,315   |   |         |   | 145,687   |          |   |   | 167,655   |   |   |      | 194,895   |   |   |   | 231,244 |   |
| TOTAL DEPOSITS                                           |   | $         | 3,152,336 |   |         | $      | 3,268,880 |          |   | $      | 3,254,351 |   |   | $         | 3,260,963 |   |   | $ | 3,397,786 |   |

----