----

----

| CONSOLIDATED BALANCE SHEETS                                             |   |     |      |   |   |   |
|-------------------------------------------------------------------------|--------|----------|-----------|--------|--------|--------|
| (Dollars in thousands)                                                  |   | June 30, |      |
|                                                                    |   | 2010     |      |   | 2009   |   |
| ASSETS                                                                  |   |     |      |   |   |   |
| Cash and due from banks                                                 |   | $        | 60,223    |   |   | $      | 73,668 |   |
| Federal funds sold                                                      |   |     | 4,101     |   |   |   |   |   |
| Cash and cash equivalents                                               |   |     | 64,324    |   |   |   | 73,668 |   |
| Interest-bearing time deposits                                          |   |     | 40,823    |   |   |   | 44,595 |   |
| Investment securities                                                   |   |     | 646,185   |   |   |   | 630,958 |   |
| Mortgage loans held for sale                                            |   |     | 7,600     |   |   |   | 23,070 |   |
| Loans                                                                   |   |     | 3,051,346 |   |   |   | 3,554,229 |   |
| Less: Allowance for loan losses                                         |   |     | (86,970   | )      |   |   | (77,119 | ) |
| Net loans                                                               |   |     | 2,964,376 |   |   |   | 3,477,110 |   |
| Premises and equipment                                                  |   |     | 53,437    |   |   |   | 58,692 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |     | 36,218    |   |   |   | 34,441 |   |
| Interest receivable                                                     |   |     | 18,894    |   |   |   | 20,778 |   |
| Core deposit intangibles and goodwill                                   |   |     | 156,340   |   |   |   | 161,294 |   |
| Cash surrender value of life insurance                                  |   |     | 95,666    |   |   |   | 93,876 |   |
| Other real estate owned                                                 |   |     | 20,124    |   |   |   | 20,227 |   |
| Tax asset, deferred and receivable                                      |   |     | 52,839    |   |   |   | 62,183 |   |
| Other assets                                                            |   |     | 26,422    |   |   |   | 16,153 |   |
| TOTAL ASSETS                                                            |   | $        | 4,183,248 |   |   | $      | 4,717,045 |   |
| LIABILITIES                                                             |   |     |      |   |   |   |   |   |
| Deposits:                                                               |   |     |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $        | 516,769   |   |   | $      | 512,368 |   |
| Interest-bearing                                                        |   |     | 2,744,194 |   |   |   | 3,078,555 |   |
| Total Deposits                                                          |   |     | 3,260,963 |   |   |   | 3,590,923 |   |
| Borrowings:                                                             |   |     |      |   |   |   |   |   |
| Federal Funds purchased                                                 |   |     |      |   |   |   | 15,042 |   |
| Securities sold under repurchase agreements                             |   |     | 107,505   |   |   |   | 115,011 |   |
| Federal Home Loan Bank advances                                         |   |     | 100,540   |   |   |   | 268,938 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |     | 225,867   |   |   |   | 194,783 |   |
| Total Borrowings                                                        |   |     | 433,912   |   |   |   | 593,774 |   |
| Interest payable                                                        |   |     | 4,911     |   |   |   | 7,351 |   |
| Other liabilities                                                       |   |     | 25,933    |   |   |   | 51,619 |   |
| Total Liabilities                                                       |   |     | 3,725,719 |   |   |   | 4,243,667 |   |
| STOCKHOLDERS' EQUITY                                                    |   |     |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |     |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |     |      |   |   |   |   |   |
| Series A, Issued and outstanding - 69,600 and 116,000 shares            |   |     | 67,649    |   |   |   | 112,009 |   |
| 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 - 25,524,948 and 21,067,477 shares               |   |     | 3,191     |   |   |   | 2,633 |   |
| Additional paid-in capital                                              |   |     | 231,372   |   |   |   | 204,403 |   |
| Retained earnings                                                       |   |     | 158,118   |   |   |   | 172,688 |   |
| Accumulated other comprehensive loss                                    |   |     | (2,926    | )      |   |   | (18,480 | ) |
| Total Stockholders' Equity                                              |   |     | 457,529   |   |   |   | 473,378 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $        | 4,183,248 |   |   | $      | 4,717,045 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                                 |   |               |   |   |             |   |    |   |   |   |    |   |
|-----------------------------------------------------------------------|--------|--------------------|--------|--------|------------------|--------|---------|--------|--------|--------|---------|--------|
| (Dollars in thousands, except per share amounts)                      |   | Three Months Ended |   |   | Six Months Ended |   |
|                                                                  |   | June 30,           |   |   | June 30,         |   |
|                                                                  |   | 2010               |   |   | 2009             |   |    | 2010   |   |   | 2009    |   |
| INTEREST INCOME                                                       |   |               |   |   |             |   |    |   |   |   |    |   |
| Loans receivable:                                                     |   |               |   |   |             |   |    |   |   |   |    |   |
| Taxable                                                               |   | $                  | 43,977 |   |             | $      | 52,843  |   |   | $      | 89,425  |   |   | $ | 106,636 |   |
| Tax exempt                                                            |   |               | 252    |   |             |   | 247     |   |   |   | 529     |   |   |   | 462 |   |
| Investment securities:                                                |   |               |   |   |             |   |    |   |   |   |    |   |   |   |   |   |
| Taxable                                                               |   |               | 3,286  |   |             |   | 3,261   |   |   |   | 6,177   |   |   |   | 7,024 |   |
| Tax exempt                                                            |   |               | 2,548  |   |             |   | 2,362   |   |   |   | 5,194   |   |   |   | 4,131 |   |
| Federal funds sold                                                    |   |               | 3      |   |             |   | 42      |   |   |   | 20      |   |   |   | 54 |   |
| Deposits with financial institutions                                  |   |               | 95     |   |             |   | 116     |   |   |   | 155     |   |   |   | 218 |   |
| Federal Reserve and Federal Home Loan Bank stock                      |   |               | 330    |   |             |   | 199     |   |   |   | 690     |   |   |   | 672 |   |
| Total Interest Income                                                 |   |               | 50,491 |   |             |   | 59,070  |   |   |   | 102,190 |   |   |   | 119,197 |   |
| INTEREST EXPENSE                                                      |   |               |   |   |             |   |    |   |   |   |    |   |   |   |   |   |
| Deposits                                                              |   |               | 10,520 |   |             |   | 15,569  |   |   |   | 22,015  |   |   |   | 32,280 |   |
| Federal funds purchased                                               |   |               | 4      |   |             |   |    |   |   |   | 4       |   |   |   | 22 |   |
| Securities sold under repurchase agreements                           |   |               | 429    |   |             |   | 507     |   |   |   | 928     |   |   |   | 974 |   |
| Federal Home Loan Bank advances                                       |   |               | 1,440  |   |             |   | 2,447   |   |   |   | 3,004   |   |   |   | 5,396 |   |
| Subordinated debentures, revolving credit lines and term loans        |   |               | 1,919  |   |             |   | 2,113   |   |   |   | 3,845   |   |   |   | 3,592 |   |
| Total Interest Expense                                                |   |               | 14,312 |   |             |   | 20,636  |   |   |   | 29,796  |   |   |   | 42,264 |   |
| NET INTEREST INCOME                                                   |   |               | 36,179 |   |             |   | 38,434  |   |   |   | 72,394  |   |   |   | 76,933 |   |
| Provision for loan losses                                             |   |               | 15,015 |   |             |   | 58,995  |   |   |   | 28,884  |   |   |   | 71,916 |   |
| NET INTEREST INCOME (LOSS) AFTER PROVISION FOR LOAN LOSSES            |   |               | 21,164 |   |             |   | (20,561 | )      |   |   | 43,510  |   |   |   | 5,017 |   |
| OTHER INCOME                                                          |   |               |   |   |             |   |    |   |   |   |    |   |   |   |   |   |
| Service charges on deposit accounts                                   |   |               | 3,506  |   |             |   | 3,888   |   |   |   | 6,768   |   |   |   | 7,430 |   |
| Fiduciary activities                                                  |   |               | 1,978  |   |             |   | 1,680   |   |   |   | 4,038   |   |   |   | 3,739 |   |
| Other customer fees                                                   |   |               | 2,195  |   |             |   | 1,946   |   |   |   | 4,693   |   |   |   | 3,949 |   |
| Commission income                                                     |   |               | 1,487  |   |             |   | 1,698   |   |   |   | 3,476   |   |   |   | 3,757 |   |
| Earnings on cash surrender value of life insurance                    |   |               | 526    |   |             |   | 331     |   |   |   | 1,034   |   |   |   | 654 |   |
| Net gains and fees on sales of loans                                  |   |               | 1,185  |   |             |   | 1,678   |   |   |   | 2,334   |   |   |   | 3,108 |   |
| Net realized gains/(losses) on sales of available for sale securities |   |               | 257    |   |             |   | 1,154   |   |   |   | 2,099   |   |   |   | 3,946 |   |
| Other-than-temporary impairment on available for sale securities      |   |               | (400   | )      |             |   | (2,045  | )      |   |   | (888    | )      |   |   | (2,523 | ) |
| Other income                                                          |   |               | 208    |   |             |   | 1,160   |   |   |   | 352     |   |   |   | 1,901 |   |
| Total Other Income                                                    |   |               | 10,942 |   |             |   | 11,490  |   |   |   | 23,906  |   |   |   | 25,961 |   |
| OTHER EXPENSES                                                        |   |               |   |   |             |   |    |   |   |   |    |   |   |   |   |   |
| Salaries and employee benefits                                        |   |               | 17,942 |   |             |   | 19,685  |   |   |   | 35,504  |   |   |   | 39,700 |   |
| Net occupancy                                                         |   |               | 2,058  |   |             |   | 2,443   |   |   |   | 4,909   |   |   |   | 5,012 |   |
| Equipment                                                             |   |               | 1,861  |   |             |   | 1,909   |   |   |   | 3,714   |   |   |   | 3,785 |   |
| Marketing                                                             |   |               | 495    |   |             |   | 564     |   |   |   | 924     |   |   |   | 1,113 |   |
| Outside data processing fees                                          |   |               | 1,311  |   |             |   | 1,405   |   |   |   | 2,591   |   |   |   | 3,338 |   |
| Printing and office supplies                                          |   |               | 321    |   |             |   | 397     |   |   |   | 639     |   |   |   | 760 |   |
| Core deposit amortization                                             |   |               | 1,192  |   |             |   | 1,278   |   |   |   | 2,399   |   |   |   | 2,555 |   |
| FDIC assessments                                                      |   |               | 2,243  |   |             |   | 3,494   |   |   |   | 3,965   |   |   |   | 4,070 |   |
| Other expenses                                                        |   |               | 6,920  |   |             |   | 7,017   |   |   |   | 14,338  |   |   |   | 12,573 |   |
| Total Other Expenses                                                  |   |               | 34,343 |   |             |   | 38,192  |   |   |   | 68,983  |   |   |   | 72,906 |   |
| INCOME (LOSS) BEFORE INCOME TAX                                       |   |               | (2,237 | )      |             |   | (47,263 | )      |   |   | (1,567  | )      |   |   | (41,928 | ) |
| Income tax expense (benefit)                                          |   |               | (1,894 | )      |             |   | (17,534 | )      |   |   | (2,810  | )      |   |   | (16,316 | ) |
| NET INCOME (LOSS)                                                     |   |               | (343   | )      |             |   | (29,729 | )      |   |   | 1,243   |   |   |   | (25,612 | ) |
| Gain on exchange of preferred stock for trust preferred debt          |   |               | 10,052 |   |             |   |    |   |   |   | 10,052  |   |   |   |   |   |
| Preferred stock dividends and discount accretion                      |   |               | (1,443 | )      |             |   | (1,450  | )      |   |   | (2,893  | )      |   |   | (2,078 | ) |
| NET INCOME (LOSS) AVAILABLE TO COMMON STOCKHOLDERS                    |   | $                  | 8,266  |   |             | $      | (31,179 | )      |   | $      | 8,402   |   |   | $ | (27,690 | ) |
| Per Share Data:                                                       |   |               |   |   |             |   |    |   |   |   |    |   |   |   |   |   |
| Basic Net Income (Loss) Available to Common Stockholders              |   | $                  | 0.35   |   |             | $      | (1.49   | )      |   | $      | 0.36    |   |   | $ | (1.32 | ) |
| Diluted Net Income (Loss) Available to Common Stockholders            |   | $                  | 0.35   |   |             | $      | (1.49   | )      |   | $      | 0.36    |   |   | $ | (1.32 | ) |
| Cash Dividends Paid                                                   |   | $                  | 0.01   |   |             | $      | 0.08    |   |   | $      | 0.02    |   |   | $ | 0.31 |   |
| Average Diluted Shares Outstanding (in thousands)                     |   |               | 25,633 |   |             |   | 21,060  |   |   |   | 23,555  |   |   |   | 21,041 |   |

----

| FINANCIAL HIGHLIGHTS                                |   |               |      |   |             |   |      |   |   |   |      |   |
|-----------------------------------------------------|--------|--------------------|-----------|--------|------------------|--------|-----------|--------|--------|--------|-----------|--------|
| (Dollars in thousands)                              |   | Three Months Ended |      |   | Six Months Ended |   |
|                                                |   | June 30,           |      |   | June 30,         |   |
|                                                |   | 2010               |      |   | 2009             |   |      | 2010   |   |   | 2009      |   |
| NET CHARGE OFF'S                                    |   | $                  | 16,613    |   |             | $      | 40,378    |   |   | $      | 34,045    |   |   | $ | 46,380 |   |
|                                                |   |               |      |   |             |   |      |   |   |   |      |   |   |   |   |   |
| AVERAGE BALANCES:                                   |   |               |      |   |             |   |      |   |   |   |      |   |   |   |   |   |
| Total Assets                                        |   | $                  | 4,282,299 |   |             | $      | 4,813,639 |   |   | $      | 4,322,808 |   |   | $ | 4,767,145 |   |
| Total Loans                                         |   |               | 3,100,249 |   |             |   | 3,636,233 |   |   |   | 3,151,751 |   |   |   | 3,665,989 |   |
| Total Earning Assets                                |   |               | 3,868,749 |   |             |   | 4,383,570 |   |   |   | 3,912,442 |   |   |   | 4,341,330 |   |
| Total Deposits                                      |   |               | 3,332,958 |   |             |   | 3,669,103 |   |   |   | 3,382,122 |   |   |   | 3,653,466 |   |
| Total Stockholders' Equity                          |   |               | 491,162   |   |             |   | 507,484   |   |   |   | 479,145   |   |   |   | 479,554 |   |
|                                                |   |               |      |   |             |   |      |   |   |   |      |   |   |   |   |   |
| FINANCIAL RATIOS:                                   |   |               |      |   |             |   |      |   |   |   |      |   |   |   |   |   |
| Return on Average Assets                            |   |               | 0.77      | %      |             |   | -2.59     | %      |   |   | 0.39      | %      |   |   | -1.16 | % |
| Return on Average Stockholders' Equity              |   |               | 6.73      |   |             |   | (24.58    | )      |   |   | 3.51      |   |   |   | (11.56 | ) |
| Average Earning Assets to Average Assets            |   |               | 90.34     |   |             |   | 91.07     |   |   |   | 90.51     |   |   |   | 91.07 |   |
| Allowance for Loan Losses as % of Total Loans       |   |               | 2.84      |   |             |   | 2.16      |   |   |   | 2.84      |   |   |   | 2.16 |   |
| Net Charge Off's as % of Average Loans (Annualized) |   |               | 2.14      |   |             |   | 4.44      |   |   |   | 2.16      |   |   |   | 2.53 |   |
| Dividend Payout Ratio                               |   |               | 3.13      |   |             |   | (5.41     | )      |   |   | 5.56      |   |   |   | (23.66 | ) |
| Average Stockholders' Equity to Average Assets      |   |               | 11.47     |   |             |   | 10.54     |   |   |   | 11.08     |   |   |   | 10.05 |   |
| Tax Equivalent Yield on Earning Assets              |   |               | 5.38      |   |             |   | 5.52      |   |   |   | 5.38      |   |   |   | 5.61 |   |
| Cost of Supporting Liabilities                      |   |               | 1.48      |   |             |   | 1.88      |   |   |   | 1.52      |   |   |   | 1.95 |   |
| Net Interest Margin (FTE) on Earning Assets         |   |               | 3.90      |   |             |   | 3.64      |   |   |   | 3.86      |   |   |   | 3.66 |   |

| NON-PERFORMING ASSETS                    |   |     |    |   |      |   |    |         |   |   |          |   |   |     |    |
|------------------------------------------|--------|----------|---------|--------|-----------|--------|---------|--------------|--------|--------|---------------|--------|--------|----------|---------|
| (Dollars in thousands)                   |   | June 30, |    |   | March 31, |   |    | December 31, |   |   | September 30, |   |   | June 30, |    |
|                                     |   | 2010     |    |   | 2010      |   |    | 2009         |   |   | 2009          |   |   | 2009     |    |
| Non-Accrual Loans                        |   | $        | 120,205 |   |      | $      | 122,891 |         |   | $      | 118,409       |   |   | $        | 123,290 |   |   | $ | 112,220 |   |
| Renegotiated Loans                       |   |     | 1,657   |   |      |   | 859     |         |   |   | 8,833         |   |   |     | 5,595   |   |   |   | 4,216 |   |
| Non-Performing Loans (NPL)               |   |     | 121,862 |   |      |   | 123,750 |         |   |   | 127,242       |   |   |     | 128,885 |   |   |   | 116,436 |   |
| Real Estate Owned and Repossessed Assets |   |     | 20,124  |   |      |   | 18,268  |         |   |   | 14,879        |   |   |     | 21,778  |   |   |   | 20,227 |   |
| Non-Performing Assets (NPA)              |   |     | 141,986 |   |      |   | 142,018 |         |   |   | 142,121       |   |   |     | 150,663 |   |   |   | 136,663 |   |
| 90+ Days Delinquent                      |   |     | 4,537   |   |      |   | 2,600   |         |   |   | 3,967         |   |   |     | 5,422   |   |   |   | 3,596 |   |
| NPAS & 90 Day Delinquent             |   | $        | 146,523 |   |      | $      | 144,618 |         |   | $      | 146,088       |   |   | $        | 156,085 |   |   | $ | 140,259 |   |
| Loan Loss Reserve                        |   | $        | 86,970  |   |      | $      | 88,568  |         |   | $      | 92,131        |   |   | $        | 86,918  |   |   | $ | 77,119 |   |
| YTD Charge-offs                          |   |     | 34,045  |   |      |   | 17,432  |         |   |   | 81,628        |   |   |     | 60,821  |   |   |   | 46,380 |   |
| NPAs / Actual Assets %                   |   |     | 3.39    | %      |      |   | 3.25    | %            |   |   | 3.17          | %      |   |     | 3.37    | % |   |   | 2.90 | % |
| NPAs & 90 Day / Actual Assets %      |   |     | 3.50    | %      |      |   | 3.30    | %            |   |   | 3.26          | %      |   |     | 3.49    | % |   |   | 2.97 | % |
| NPAs / Actual Loans and REO %            |   |     | 4.61    | %      |      |   | 4.50    | %            |   |   | 4.32          | %      |   |     | 4.37    | % |   |   | 3.80 | % |
| Loan Loss Reserves / Actual Loans (%)    |   |     | 2.84    | %      |      |   | 2.82    | %            |   |   | 2.81          | %      |   |     | 2.54    | % |   |   | 2.16 | % |
| NCOs / YTD Average Loans (%)             |   |     | 1.08    | %      |      |   | 0.54    | %            |   |   | 2.30          | %      |   |     | 1.68    | % |   |   | 1.27 | % |

----

| CONSOLIDATED BALANCE SHEETS                                             |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |
|-------------------------------------------------------------------------|--------|----------|-----------|--------|-----------|--------|-----------|--------------|--------|--------|---------------|--------|--------|----------|-----------|
| (Dollars in thousands)                                                  |   | June 30, |      |   | March 31, |   |      | December 31, |   |   | September 30, |   |   | June 30, |      |
|                                                                    |   | 2010     |      |   | 2010      |   |      | 2009         |   |   | 2009          |   |   | 2009     |      |
| ASSETS                                                                  |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |
| Cash and due from banks                                                 |   | $        | 60,223    |   |      | $      | 52,679    |         |   | $      | 76,801        |   |   | $        | 66,887    |   |   | $ | 73,668 |   |
| Federal funds sold                                                      |   |     | 4,101     |   |      |   | 7,044     |         |   |   | 102,346       |   |   |     | 52,828    |   |   |   |   |   |
| Cash and cash equivalents                                               |   |     | 64,324    |   |      |   | 59,723    |         |   |   | 179,147       |   |   |     | 119,715   |   |   |   | 73,668 |   |
| Interest-bearing time deposits                                          |   |     | 40,823    |   |      |   | 157,735   |         |   |   | 74,025        |   |   |     | 44,312    |   |   |   | 44,595 |   |
| Investment securities                                                   |   |     | 646,185   |   |      |   | 639,081   |         |   |   | 563,117       |   |   |     | 489,010   |   |   |   | 630,958 |   |
| Mortgage loans held for sale                                            |   |     | 7,600     |   |      |   | 3,646     |         |   |   | 8,036         |   |   |     | 25,173    |   |   |   | 23,070 |   |
| Loans                                                                   |   |     | 3,051,346 |   |      |   | 3,134,540 |         |   |   | 3,269,788     |   |   |     | 3,398,722 |   |   |   | 3,554,229 |   |
| Less: Allowance for loan losses                                         |   |     | (86,970   | )      |      |   | (88,568   | )            |   |   | (92,131       | )      |   |     | (86,918   | ) |   |   | (77,119 | ) |
| Net loans                                                               |   |     | 2,964,376 |   |      |   | 3,045,972 |         |   |   | 3,177,657     |   |   |     | 3,311,804 |   |   |   | 3,477,110 |   |
| Premises and equipment                                                  |   |     | 53,437    |   |      |   | 54,431    |         |   |   | 55,804        |   |   |     | 58,482    |   |   |   | 58,692 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |     | 36,218    |   |      |   | 36,721    |         |   |   | 38,576        |   |   |     | 38,576    |   |   |   | 34,441 |   |
| Interest receivable                                                     |   |     | 18,894    |   |      |   | 19,532    |         |   |   | 20,818        |   |   |     | 22,359    |   |   |   | 20,778 |   |
| Core deposit intangibles and goodwill                                   |   |     | 156,340   |   |      |   | 157,532   |         |   |   | 158,740       |   |   |     | 160,017   |   |   |   | 161,294 |   |
| Cash surrender value of life insurance                                  |   |     | 95,666    |   |      |   | 95,146    |         |   |   | 94,636        |   |   |     | 94,267    |   |   |   | 93,876 |   |
| Other real estate owned                                                 |   |     | 20,124    |   |      |   | 18,268    |         |   |   | 14,879        |   |   |     | 21,778    |   |   |   | 20,227 |   |
| Tax asset, deferred and refundable                                      |   |     | 52,839    |   |      |   | 59,190    |         |   |   | 64,394        |   |   |     | 59,244    |   |   |   | 62,183 |   |
| Other assets                                                            |   |     | 26,422    |   |      |   | 28,889    |         |   |   | 31,123        |   |   |     | 31,747    |   |   |   | 16,153 |   |
| TOTAL ASSETS                                                            |   | $        | 4,183,248 |   |      | $      | 4,375,866 |         |   | $      | 4,480,952     |   |   | $        | 4,476,484 |   |   | $ | 4,717,045 |   |
| LIABILITIES                                                             |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Deposits:                                                               |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $        | 516,769   |   |      | $      | 520,551   |         |   | $      | 516,487       |   |   | $        | 477,040   |   |   | $ | 512,368 |   |
| Interest-bearing                                                        |   |     | 2,744,194 |   |      |   | 2,877,235 |         |   |   | 3,020,049     |   |   |     | 3,035,455 |   |   |   | 3,078,555 |   |
| Total Deposits                                                          |   |     | 3,260,963 |   |      |   | 3,397,786 |         |   |   | 3,536,536     |   |   |     | 3,512,495 |   |   |   | 3,590,923 |   |
| Borrowings:                                                             |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Federal funds purchased                                                 |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   | 15,042 |   |
| Securities sold under repurchase agreements                             |   |     | 107,505   |   |      |   | 112,826   |         |   |   | 125,687       |   |   |     | 125,045   |   |   |   | 115,011 |   |
| Federal Home Loan Bank advances                                         |   |     | 100,540   |   |      |   | 123,261   |         |   |   | 129,749       |   |   |     | 130,024   |   |   |   | 268,938 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |     | 225,867   |   |      |   | 194,794   |         |   |   | 194,790       |   |   |     | 194,787   |   |   |   | 194,783 |   |
| Total Borrowings                                                        |   |     | 433,912   |   |      |   | 430,881   |         |   |   | 450,226       |   |   |     | 449,856   |   |   |   | 593,774 |   |
| Interest payable                                                        |   |     | 4,911     |   |      |   | 4,812     |         |   |   | 5,711         |   |   |     | 5,722     |   |   |   | 7,351 |   |
| Other liabilities                                                       |   |     | 25,933    |   |      |   | 53,446    |         |   |   | 24,694        |   |   |     | 32,511    |   |   |   | 51,619 |   |
| Total Liabilities                                                       |   |     | 3,725,719 |   |      |   | 3,886,925 |         |   |   | 4,017,167     |   |   |     | 4,000,584 |   |   |   | 4,243,667 |   |
| STOCKHOLDERS' EQUITY                                                    |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Series A, Issued and outstanding - 69,600 and 116,000 shares            |   |     | 67,649    |   |      |   | 112,559   |         |   |   | 112,373       |   |   |     | 112,190   |   |   |   | 112,009 |   |
| 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 - 25,524,948 and 21,067,477 shares               |   |     | 3,191     |   |      |   | 3,187     |         |   |   | 2,653         |   |   |     | 2,648     |   |   |   | 2,633 |   |
| Additional paid-in capital                                              |   |     | 231,372   |   |      |   | 230,764   |         |   |   | 206,600       |   |   |     | 205,759   |   |   |   | 204,403 |   |
| Retained earnings                                                       |   |     | 158,118   |   |      |   | 150,595   |         |   |   | 150,860       |   |   |     | 164,419   |   |   |   | 172,688 |   |
| Accumulated other comprehensive loss                                    |   |     | (2,926    | )      |      |   | (8,289    | )            |   |   | (8,826        | )      |   |     | (9,241    | ) |   |   | (18,480 | ) |
| Total Stockholders' Equity                                              |   |     | 457,529   |   |      |   | 488,941   |         |   |   | 463,785       |   |   |     | 475,900   |   |   |   | 473,378 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $        | 4,183,248 |   |      | $      | 4,375,866 |         |   | $      | 4,480,952     |   |   | $        | 4,476,484 |   |   | $ | 4,717,045 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                                       |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |
|-----------------------------------------------------------------------------|--------|----------|--------|--------|-----------|--------|--------|--------------|--------|--------|---------------|--------|--------|----------|--------|
| (Dollars in thousands, except per share amounts)                            |   | June 30, |   |   | March 31, |   |   | December 31, |   |   | September 30, |   |   | June 30, |   |
|                                                                        |   | 2010     |   |   | 2010      |   |   | 2009         |   |   | 2009          |   |   | 2009     |   |
| INTEREST INCOME                                                             |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |
| Loans receivable:                                                           |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |
| Taxable                                                                     |   | $        | 43,977 |   |      | $      | 45,448 |         |   | $      | 48,297        |   |   | $        | 50,683 |   |   | $ | 52,843 |   |
| Tax exempt                                                                  |   |     | 252    |   |      |   | 277    |         |   |   | 296           |   |   |     | 280    |   |   |   | 247 |   |
| Investment securities:                                                      |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Taxable                                                                     |   |     | 3,286  |   |      |   | 2,891  |         |   |   | 2,348         |   |   |     | 2,963  |   |   |   | 3,261 |   |
| Tax exempt                                                                  |   |     | 2,548  |   |      |   | 2,646  |         |   |   | 2,668         |   |   |     | 2,788  |   |   |   | 2,362 |   |
| Federal funds sold                                                          |   |     | 3      |   |      |   | 17     |         |   |   | 37            |   |   |     | 27     |   |   |   | 42 |   |
| Deposits with financial institutions                                        |   |     | 95     |   |      |   | 60     |         |   |   | 75            |   |   |     | 73     |   |   |   | 116 |   |
| Federal Reserve and Federal Home Loan Bank stock                            |   |     | 330    |   |      |   | 360    |         |   |   | 348           |   |   |     | 359    |   |   |   | 199 |   |
| Total Interest Income                                                       |   |     | 50,491 |   |      |   | 51,699 |         |   |   | 54,069        |   |   |     | 57,173 |   |   |   | 59,070 |   |
| INTEREST EXPENSE                                                            |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Deposits                                                                    |   |     | 10,520 |   |      |   | 11,495 |         |   |   | 12,445        |   |   |     | 13,666 |   |   |   | 15,569 |   |
| Federal funds purchased                                                     |   |     | 4      |   |      |   |   |         |   |   |          |   |   |     | 6      |   |   |   |   |   |
| Securities sold under repurchase agreements                                 |   |     | 429    |   |      |   | 499    |         |   |   | 511           |   |   |     | 512    |   |   |   | 507 |   |
| Federal Home Loan Bank advances                                             |   |     | 1,440  |   |      |   | 1,564  |         |   |   | 1,627         |   |   |     | 2,209  |   |   |   | 2,447 |   |
| Subordinated debentures, revolving credit lines and term loans              |   |     | 1,919  |   |      |   | 1,926  |         |   |   | 1,921         |   |   |     | 1,932  |   |   |   | 2,113 |   |
| Total Interest Expense                                                      |   |     | 14,312 |   |      |   | 15,484 |         |   |   | 16,504        |   |   |     | 18,325 |   |   |   | 20,636 |   |
| NET INTEREST INCOME                                                         |   |     | 36,179 |   |      |   | 36,215 |         |   |   | 37,565        |   |   |     | 38,848 |   |   |   | 38,434 |   |
| Provision for loan losses                                                   |   |     | 15,015 |   |      |   | 13,869 |         |   |   | 26,020        |   |   |     | 24,240 |   |   |   | 58,995 |   |
| NET INTEREST INCOME (LOSS) AFTER PROVISION FOR LOAN LOSSES                  |   |     | 21,164 |   |      |   | 22,346 |         |   |   | 11,545        |   |   |     | 14,608 |   |   |   | (20,561 | ) |
| OTHER INCOME                                                                |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Service charges on deposit accounts                                         |   |     | 3,506  |   |      |   | 3,262  |         |   |   | 3,735         |   |   |     | 3,963  |   |   |   | 3,888 |   |
| Fiduciary activities                                                        |   |     | 1,978  |   |      |   | 2,060  |         |   |   | 1,826         |   |   |     | 1,844  |   |   |   | 1,680 |   |
| Other customer fees                                                         |   |     | 2,195  |   |      |   | 2,498  |         |   |   | 1,969         |   |   |     | 2,004  |   |   |   | 1,946 |   |
| Commission income                                                           |   |     | 1,487  |   |      |   | 1,989  |         |   |   | 1,181         |   |   |     | 1,459  |   |   |   | 1,698 |   |
| Earnings on cash surrender value of life insurance                          |   |     | 526    |   |      |   | 508    |         |   |   | 569           |   |   |     | 391    |   |   |   | 331 |   |
| Net gains and fees on sales of loans                                        |   |     | 1,185  |   |      |   | 1,149  |         |   |   | 1,744         |   |   |     | 1,997  |   |   |   | 1,678 |   |
| Net realized and unrealized gains on sales of available for sale securities |   |     | 257    |   |      |   | 1,842  |         |   |   | 1,984         |   |   |     | 5,211  |   |   |   | 1,154 |   |
| Other-than-temporary impairment on available for sale securities            |   |     | (400   | )      |      |   | (488   | )            |   |   | (2,979        | )      |   |     | (1,227 | ) |   |   | (2,045 | ) |
| Other income                                                                |   |     | 208    |   |      |   | 144    |         |   |   | (472          | )      |   |     | 41     |   |   |   | 1,160 |   |
| Total Other Income                                                          |   |     | 10,942 |   |      |   | 12,964 |         |   |   | 9,557         |   |   |     | 15,683 |   |   |   | 11,490 |   |
| OTHER EXPENSES                                                              |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Salaries and employee benefits                                              |   |     | 17,942 |   |      |   | 17,562 |         |   |   | 18,680        |   |   |     | 17,945 |   |   |   | 19,685 |   |
| Net occupancy                                                               |   |     | 2,058  |   |      |   | 2,851  |         |   |   | 2,816         |   |   |     | 2,422  |   |   |   | 2,443 |   |
| Equipment                                                                   |   |     | 1,861  |   |      |   | 1,853  |         |   |   | 1,935         |   |   |     | 1,875  |   |   |   | 1,909 |   |
| Marketing                                                                   |   |     | 495    |   |      |   | 429    |         |   |   | 513           |   |   |     | 508    |   |   |   | 564 |   |
| Outside data processing fees                                                |   |     | 1,311  |   |      |   | 1,280  |         |   |   | 1,488         |   |   |     | 1,360  |   |   |   | 1,405 |   |
| Printing and office supplies                                                |   |     | 321    |   |      |   | 318    |         |   |   | 359           |   |   |     | 300    |   |   |   | 397 |   |
| Core deposit amortization                                                   |   |     | 1,192  |   |      |   | 1,207  |         |   |   | 1,277         |   |   |     | 1,277  |   |   |   | 1,278 |   |
| FDIC assessments                                                            |   |     | 2,243  |   |      |   | 1,722  |         |   |   | 3,203         |   |   |     | 3,121  |   |   |   | 3,494 |   |
| Other expenses                                                              |   |     | 6,920  |   |      |   | 7,418  |         |   |   | 9,386         |   |   |     | 10,187 |   |   |   | 7,017 |   |
| Total Other Expenses                                                        |   |     | 34,343 |   |      |   | 34,640 |         |   |   | 39,657        |   |   |     | 38,995 |   |   |   | 38,192 |   |
| INCOME (LOSS) BEFORE INCOME TAX                                             |   |     | (2,237 | )      |      |   | 670    |         |   |   | (18,555       | )      |   |     | (8,704 | ) |   |   | (47,263 | ) |
| Income tax expense (benefit)                                                |   |     | (1,894 | )      |      |   | (916   | )            |   |   | (8,334        | )      |   |     | (3,774 | ) |   |   | (17,534 | ) |
| NET INCOME (LOSS)                                                           |   |     | (343   | )      |      |   | 1,586  |         |   |   | (10,221       | )      |   |     | (4,930 | ) |   |   | (29,729 | ) |
| Gain on exchange of preferred stock for trust preferred debt                |   |     | 10,052 |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Preferred stock dividends and discount accretion                            |   |     | (1,443 | )      |      |   | (1,450 | )            |   |   | (1,451        | )      |   |     | (1,450 | ) |   |   | (1,450 | ) |
| NET INCOME (LOSS) AVAILABLE TO COMMON STOCKHOLDERS                          |   | $        | 8,266  |   |      | $      | 136    |         |   | $      | (11,672       | )      |   | $        | (6,380 | ) |   | $ | (31,179 | ) |
| PER SHARE:                                                                  |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Basic Net Income (Loss) Available to Common Stockholders                    |   | $        | 0.35   |   |      | $      | 0.01   |         |   | $      | (0.55         | )      |   | $        | (0.30  | ) |   | $ | (1.49 | ) |
| Diluted Net Income (Loss) Available to Common Stockholders                  |   | $        | 0.35   |   |      | $      | 0.01   |         |   | $      | (0.55         | )      |   | $        | (0.30  | ) |   | $ | (1.49 | ) |
| Cash Dividends Paid                                                         |   | $        | 0.01   |   |      | $      | 0.01   |         |   | $      | 0.08          |   |   | $        | 0.08   |   |   | $ | 0.08 |   |
| Average Diluted Shares Outstanding (in thousands)                           |   |     | 25,633 |   |      |   | 21,462 |         |   |   | 21,211        |   |   |     | 21,170 |   |   |   | 21,060 |   |
| FINANCIAL RATIOS:                                                           |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Return on Average Assets                                                    |   |     | 0.77   | %      |      |   | 0.01   | %            |   |   | -1.04         | %      |   |     | -0.55  | % |   |   | -2.59 | % |
| Return on Average Stockholders' Equity                                      |   |     | 6.73   |   |      |   | 0.12   |         |   |   | (9.87         | )      |   |     | (5.35  | ) |   |   | (24.58 | ) |
| Average Earning Assets to Average Assets                                    |   |     | 90.34  |   |      |   | 90.64  |         |   |   | 90.28         |   |   |     | 90.82  |   |   |   | 91.07 |   |
| Allowance for Loan Losses as % of Total Loans                               |   |     | 2.84   |   |      |   | 2.82   |         |   |   | 2.81          |   |   |     | 2.54   |   |   |   | 2.16 |   |
| Net Charge Off's as % of Average Loans (Annualized)                         |   |     | 2.14   |   |      |   | 2.18   |         |   |   | 2.49          |   |   |     | 1.64   |   |   |   | 4.44 |   |
| Dividend Payout Ratio                                                       |   |     | 3.13   |   |      |   | 100.00 |         |   |   | (14.55        | )      |   |     | (26.67 | ) |   |   | (5.41 | ) |
| Average Stockholders' Equity to Average Assets                              |   |     | 11.47  |   |      |   | 10.70  |         |   |   | 10.50         |   |   |     | 10.23  |   |   |   | 10.54 |   |
| Tax Equivalent Yield on Earning Assets                                      |   |     | 5.38   |   |      |   | 5.39   |         |   |   | 5.48          |   |   |     | 5.56   |   |   |   | 5.52 |   |
| Cost of Supporting Liabilities                                              |   |     | 1.48   |   |      |   | 1.57   |         |   |   | 1.62          |   |   |     | 1.73   |   |   |   | 1.88 |   |
| Net Interest Margin (FTE) on Earning Assets                                 |   |     | 3.90   |   |      |   | 3.82   |         |   |   | 3.86          |   |   |     | 3.83   |   |   |   | 3.64 |   |

----

| LOANS                                                            |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |
|------------------------------------------------------------------|--------|----------|-----------|--------|-----------|--------|-----------|--------------|--------|--------|---------------|--------|--------|----------|-----------|
| (Dollars in thousands)                                           |   | June 30, |      |   | March 31, |   |      | December 31, |   |   | September 30, |   |   | June 30, |      |
|                                                             |   | 2010     |      |   | 2010      |   |      | 2009         |   |   | 2009          |   |   | 2009     |      |
| Commercial and industrial loans                                  |   | $        | 589,157   |   |      | $      | 621,591   |         |   | $      | 675,860       |   |   | $        | 806,289   |   |   | $ | 874,671 |   |
| Agricultural production financing and other loans to farmers     |   |     | 108,439   |   |      |   | 109,457   |         |   |   | 121,031       |   |   |     | 124,601   |   |   |   | 121,361 |   |
| Real estate loans:                                               |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Construction                                                     |   |     | 111,070   |   |      |   | 131,548   |         |   |   | 158,725       |   |   |     | 147,343   |   |   |   | 162,765 |   |
| Commercial and farmland                                          |   |     | 1,251,430 |   |      |   | 1,259,588 |         |   |   | 1,254,115     |   |   |     | 1,228,983 |   |   |   | 1,231,986 |   |
| Residential                                                      |   |     | 816,823   |   |      |   | 821,014   |         |   |   | 841,584       |   |   |     | 855,931   |   |   |   | 930,714 |   |
| Individuals' loans for household and other personal expenditures |   |     | 129,724   |   |      |   | 142,108   |         |   |   | 154,132       |   |   |     | 177,338   |   |   |   | 174,363 |   |
| Tax exempt loans                                                 |   |     | 18,025    |   |      |   | 23,047    |         |   |   | 22,049        |   |   |     | 23,846    |   |   |   | 23,596 |   |
| Lease financing receivables, net of unearned income              |   |     | 6,143     |   |      |   | 6,396     |         |   |   | 7,135         |   |   |     | 7,797     |   |   |   | 8,095 |   |
| Other loans                                                      |   |     | 20,535    |   |      |   | 19,791    |         |   |   | 35,157        |   |   |     | 26,594    |   |   |   | 26,678 |   |
|     LOANS                                    |   |     | 3,051,346 |   |      |   | 3,134,540 |         |   |   | 3,269,788     |   |   |     | 3,398,722 |   |   |   | 3,554,229 |   |
| Allowance for loan losses                                        |   |     | (86,970   | )      |      |   | (88,568   | )            |   |   | (92,131       | )      |   |     | (86,918   | ) |   |   | (77,119 | ) |
| NET LOANS                                                        |   | $        | 2,964,376 |   |      | $      | 3,045,972 |         |   | $      | 3,177,657     |   |   | $        | 3,311,804 |   |   | $ | 3,477,110 |   |

| DEPOSITS                                                 |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |
|----------------------------------------------------------|--------|----------|-----------|--------|-----------|--------|-----------|--------------|--------|--------|---------------|--------|--------|----------|-----------|
| (Dollars in thousands)                                   |   | June 30, |      |   | March 31, |   |      | December 31, |   |   | September 30, |   |   | June 30, |      |
|                                                     |   | 2010     |      |   | 2010      |   |      | 2009         |   |   | 2009          |   |   | 2009     |      |
| Demand deposits                                          |   | $        | 1,246,006 |   |      | $      | 1,261,305 |         |   | $      | 1,308,741     |   |   | $        | 1,178,372 |   |   | $ | 1,197,646 |   |
| Savings deposits                                         |   |     | 730,105   |   |      |   | 738,742   |         |   |   | 733,142       |   |   |     | 726,894   |   |   |   | 740,340 |   |
| Certificates and other time deposits of $100,000 or more |   |     | 374,016   |   |      |   | 416,113   |         |   |   | 438,264       |   |   |     | 492,875   |   |   |   | 503,971 |   |
| Other certificates and time deposits                     |   |     | 715,941   |   |      |   | 750,382   |         |   |   | 781,509       |   |   |     | 803,173   |   |   |   | 835,899 |   |
| Brokered deposits                                        |   |     | 194,895   |   |      |   | 231,244   |         |   |   | 274,880       |   |   |     | 311,181   |   |   |   | 313,067 |   |
| TOTAL DEPOSITS                                           |   | $        | 3,260,963 |   |      | $      | 3,397,786 |         |   | $      | 3,536,536     |   |   | $        | 3,512,495 |   |   | $ | 3,590,923 |   |

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