----

----

----

| CONSOLIDATED BALANCE SHEETS                                             |   |     |      |   |   |   |
|-------------------------------------------------------------------------|--------|----------|-----------|--------|--------|--------|
| (Dollars in thousands)                                                  |   | June 30, |      |
|                                                                    |   | 2011     |      |   | 2010   |   |
| ASSETS                                                                  |   |     |      |   |   |   |
| Cash and due from banks                                                 |   | $        | 50,874    |   |   | $      | 60,223 |   |
| Federal funds sold                                                      |   |     |      |   |   |   | 4,101 |   |
| Cash and cash equivalents                                               |   |     | 50,874    |   |   |   | 64,324 |   |
| Interest-bearing time deposits                                          |   |     | 15,865    |   |   |   | 40,823 |   |
| Investment securities                                                   |   |     | 938,366   |   |   |   | 646,185 |   |
| Mortgage loans held for sale                                            |   |     | 4,846     |   |   |   | 7,600 |   |
| Loans                                                                   |   |     | 2,724,022 |   |   |   | 3,051,346 |   |
| Less: Allowance for loan losses                                         |   |     | (77,133   | )      |   |   | (86,970 | ) |
| Net loans                                                               |   |     | 2,646,889 |   |   |   | 2,964,376 |   |
| Premises and equipment                                                  |   |     | 51,851    |   |   |   | 53,437 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |     | 31,384    |   |   |   | 36,218 |   |
| Interest receivable                                                     |   |     | 17,001    |   |   |   | 18,894 |   |
| Core deposit intangibles and goodwill                                   |   |     | 151,817   |   |   |   | 156,340 |   |
| Cash surrender value of life insurance                                  |   |     | 102,880   |   |   |   | 95,666 |   |
| Other real estate owned                                                 |   |     | 15,437    |   |   |   | 20,124 |   |
| Tax asset, deferred and receivable                                      |   |     | 36,790    |   |   |   | 52,839 |   |
| Other assets                                                            |   |     | 30,218    |   |   |   | 26,422 |   |
| TOTAL ASSETS                                                            |   | $        | 4,094,218 |   |   | $      | 4,183,248 |   |
| LIABILITIES                                                             |   |     |      |   |   |   |   |   |
| Deposits:                                                               |   |     |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $        | 590,199   |   |   | $      | 516,769 |   |
| Interest-bearing                                                        |   |     | 2,552,334 |   |   |   | 2,744,194 |   |
| Total Deposits                                                          |   |     | 3,142,533 |   |   |   | 3,260,963 |   |
| Borrowings:                                                             |   |     |      |   |   |   |   |   |
| Federal Funds purchased                                                 |   |     | 22,978    |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |     | 124,236   |   |   |   | 107,505 |   |
| Federal Home Loan Bank advances                                         |   |     | 74,050    |   |   |   | 100,540 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |     | 226,580   |   |   |   | 225,867 |   |
| Total Borrowings                                                        |   |     | 447,844   |   |   |   | 433,912 |   |
| Interest payable                                                        |   |     | 3,601     |   |   |   | 4,911 |   |
| Other liabilities                                                       |   |     | 31,762    |   |   |   | 25,933 |   |
| Total Liabilities                                                       |   |     | 3,625,740 |   |   |   | 3,725,719 |   |
| STOCKHOLDERS' EQUITY                                                    |   |     |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |     |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |     |      |   |   |   |   |   |
| Series A, Issued and outstanding - 69,600 shares                        |   |     | 68,118    |   |   |   | 67,649 |   |
| 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 - 25,690,649 and 25,524,948 shares               |   |     | 3,211     |   |   |   | 3,191 |   |
| Additional paid-in capital                                              |   |     | 233,544   |   |   |   | 231,372 |   |
| Retained earnings                                                       |   |     | 169,313   |   |   |   | 158,118 |   |
| Accumulated other comprehensive loss                                    |   |     | (5,833    | )      |   |   | (2,926 | ) |
| Total Stockholders' Equity                                              |   |     | 468,478   |   |   |   | 457,529 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $        | 4,094,218 |   |   | $      | 4,183,248 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                            |   |               |   |   |             |   |   |   |   |   |   |   |
|------------------------------------------------------------------|--------|--------------------|--------|--------|------------------|--------|--------|--------|--------|--------|--------|--------|
| (Dollars in thousands, except per share amounts)                 |   | Three Months Ended |   |   | Six Months Ended |   |
|                                                             |   | June 30,           |   |   | June 30,         |   |
|                                                             |   | 2011               |   |   | 2010             |   |   | 2011   |   |   | 2010   |   |
| INTEREST INCOME                                                  |   |               |   |   |             |   |   |   |   |   |   |   |
| Loans receivable:                                                |   |               |   |   |             |   |   |   |   |   |   |   |
| Taxable                                                          |   | $                  | 37,457 |   |             | $      | 43,977 |   |   | $      | 76,195 |   |   | $ | 89,425 |   |
| Tax-exempt                                                       |   |               | 247    |   |             |   | 252    |   |   |   | 349    |   |   |   | 529 |   |
| Investment securities:                                           |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Taxable                                                          |   |               | 5,040  |   |             |   | 3,286  |   |   |   | 9,587  |   |   |   | 6,177 |   |
| Tax-exempt                                                       |   |               | 2,535  |   |             |   | 2,548  |   |   |   | 5,088  |   |   |   | 5,194 |   |
| Federal funds sold                                               |   |               | 1      |   |             |   | 3      |   |   |   | 3      |   |   |   | 20 |   |
| Deposits with financial institutions                             |   |               | 100    |   |             |   | 95     |   |   |   | 183    |   |   |   | 155 |   |
| Federal Reserve and Federal Home Loan Bank stock                 |   |               | 341    |   |             |   | 330    |   |   |   | 682    |   |   |   | 690 |   |
| Total Interest Income                                            |   |               | 45,721 |   |             |   | 50,491 |   |   |   | 92,087 |   |   |   | 102,190 |   |
| INTEREST EXPENSE                                                 |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                         |   |               | 5,864  |   |             |   | 10,520 |   |   |   | 12,730 |   |   |   | 22,015 |   |
| Federal funds purchased                                          |   |               | 3      |   |             |   | 4      |   |   |   | 6      |   |   |   | 4 |   |
| Securities sold under repurchase agreements                      |   |               | 386    |   |             |   | 429    |   |   |   | 764    |   |   |   | 928 |   |
| Federal Home Loan Bank advances                                  |   |               | 977    |   |             |   | 1,440  |   |   |   | 1,978  |   |   |   | 3,004 |   |
| Subordinated debentures, revolving credit lines and term loans   |   |               | 2,644  |   |             |   | 1,919  |   |   |   | 5,285  |   |   |   | 3,845 |   |
| Total Interest Expense                                           |   |               | 9,874  |   |             |   | 14,312 |   |   |   | 20,763 |   |   |   | 29,796 |   |
| NET INTEREST INCOME                                              |   |               | 35,847 |   |             |   | 36,179 |   |   |   | 71,324 |   |   |   | 72,394 |   |
| Provision for loan losses                                        |   |               | 5,625  |   |             |   | 15,015 |   |   |   | 11,219 |   |   |   | 28,884 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES              |   |               | 30,222 |   |             |   | 21,164 |   |   |   | 60,105 |   |   |   | 43,510 |   |
| OTHER INCOME                                                     |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Service charges on deposit accounts                              |   |               | 2,997  |   |             |   | 3,506  |   |   |   | 5,776  |   |   |   | 6,768 |   |
| Fiduciary activities                                             |   |               | 1,929  |   |             |   | 1,978  |   |   |   | 3,965  |   |   |   | 4,038 |   |
| Other customer fees                                              |   |               | 2,634  |   |             |   | 2,195  |   |   |   | 4,869  |   |   |   | 4,693 |   |
| Commission income                                                |   |               | 1,024  |   |             |   | 1,487  |   |   |   | 2,912  |   |   |   | 3,476 |   |
| Earnings on cash surrender value of life insurance               |   |               | 571    |   |             |   | 526    |   |   |   | 1,149  |   |   |   | 1,034 |   |
| Net gains and fees on sales of loans                             |   |               | 1,030  |   |             |   | 1,185  |   |   |   | 2,903  |   |   |   | 2,334 |   |
| Net realized gains on sales of available for sale securities     |   |               | 825    |   |             |   | 257    |   |   |   | 1,288  |   |   |   | 2,099 |   |
| Other-than-temporary impairment on available for sale securities |   |               |   |   |             |   | (400   | )      |   |   | (400   | )      |   |   | (888 | ) |
| Other income                                                     |   |               | 51     |   |             |   | 208    |   |   |   | 457    |   |   |   | 352 |   |
| Total Other Income                                               |   |               | 11,061 |   |             |   | 10,942 |   |   |   | 22,919 |   |   |   | 23,906 |   |
| OTHER EXPENSES                                                   |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Salaries and employee benefits                                   |   |               | 18,560 |   |             |   | 17,942 |   |   |   | 35,736 |   |   |   | 35,504 |   |
| Net occupancy                                                    |   |               | 2,415  |   |             |   | 2,058  |   |   |   | 5,160  |   |   |   | 4,909 |   |
| Equipment                                                        |   |               | 1,677  |   |             |   | 1,861  |   |   |   | 3,460  |   |   |   | 3,714 |   |
| Marketing                                                        |   |               | 436    |   |             |   | 495    |   |   |   | 818    |   |   |   | 924 |   |
| Outside data processing fees                                     |   |               | 1,458  |   |             |   | 1,311  |   |   |   | 2,903  |   |   |   | 2,591 |   |
| Printing and office supplies                                     |   |               | 313    |   |             |   | 321    |   |   |   | 601    |   |   |   | 639 |   |
| Core deposit amortization                                        |   |               | 1,101  |   |             |   | 1,192  |   |   |   | 2,202  |   |   |   | 2,399 |   |
| FDIC assessments                                                 |   |               | 1,451  |   |             |   | 2,243  |   |   |   | 3,555  |   |   |   | 3,965 |   |
| Other real estate owned and credit-related expenses              |   |               | 2,843  |   |             |   | 1,503  |   |   |   | 6,038  |   |   |   | 4,188 |   |
| Other expenses                                                   |   |               | 4,145  |   |             |   | 5,417  |   |   |   | 7,807  |   |   |   | 10,150 |   |
| Total Other Expenses                                             |   |               | 34,399 |   |             |   | 34,343 |   |   |   | 68,280 |   |   |   | 68,983 |   |
| INCOME (LOSS) BEFORE INCOME TAX                                  |   |               | 6,884  |   |             |   | (2,237 | )      |   |   | 14,744 |   |   |   | (1,567 | ) |
| Income tax expense (benefit)                                     |   |               | 1,396  |   |             |   | (1,894 | )      |   |   | 3,795  |   |   |   | (2,810 | ) |
| NET INCOME (LOSS)                                                |   |               | 5,488  |   |             |   | (343   | )      |   |   | 10,949 |   |   |   | 1,243 |   |
| Gain on exchange of preferred stock for trust preferred debt     |   |               |   |   |             |   | 10,052 |   |   |   |   |   |   |   | 10,052 |   |
| Preferred stock dividends and discount accretion                 |   |               | (990   | )      |             |   | (1,443 | )      |   |   | (1,978 | )      |   |   | (2,893 | ) |
| NET INCOME AVAILABLE TO COMMON STOCKHOLDERS                      |   | $                  | 4,498  |   |             | $      | 8,266  |   |   | $      | 8,971  |   |   | $ | 8,402 |   |
| Per Share Data:                                                  |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Basic Net Income Available to Common Stockholders                |   | $                  | 0.18   |   |             | $      | 0.35   |   |   | $      | 0.35   |   |   | $ | 0.36 |   |
| Diluted Net Income Available to Common Stockholders              |   | $                  | 0.18   |   |             | $      | 0.35   |   |   | $      | 0.35   |   |   | $ | 0.36 |   |
| Cash Dividends Paid                                              |   | $                  | 0.01   |   |             | $      | 0.01   |   |   | $      | 0.02   |   |   | $ | 0.02 |   |
| Average Diluted Shares Outstanding (in thousands)                |   |               | 25,783 |   |             |   | 25,633 |   |   |   | 25,773 |   |   |   | 23,555 |   |

----

| FINANCIAL HIGHLIGHTS                                |   |               |      |   |             |   |      |   |   |   |      |   |
|-----------------------------------------------------|--------|--------------------|-----------|--------|------------------|--------|-----------|--------|--------|--------|-----------|--------|
| (Dollars in thousands)                              |   | Three Months Ended |      |   | Six Months Ended |   |
|                                                |   | June 30,           |      |   | June 30,         |   |
|                                                |   | 2011               |      |   | 2010             |   |      | 2011   |   |   | 2010      |   |
| NET CHARGE OFF'S                                    |   | $                  | 9,428     |   |             | $      | 16,613    |   |   | $      | 17,063    |   |   | $ | 34,045 |   |
|                                                |   |               |      |   |             |   |      |   |   |   |      |   |   |   |   |   |
| AVERAGE BALANCES:                                   |   |               |      |   |             |   |      |   |   |   |      |   |   |   |   |   |
| Total Assets                                        |   | $                  | 4,138,484 |   |             | $      | 4,282,299 |   |   | $      | 4,130,481 |   |   | $ | 4,322,808 |   |
| Total Loans                                         |   |               | 2,747,021 |   |             |   | 3,100,249 |   |   |   | 2,775,504 |   |   |   | 3,151,751 |   |
| Total Earning Assets                                |   |               | 3,751,241 |   |             |   | 3,868,749 |   |   |   | 3,747,738 |   |   |   | 3,912,442 |   |
| Total Deposits                                      |   |               | 3,218,979 |   |             |   | 3,332,958 |   |   |   | 3,218,743 |   |   |   | 3,382,122 |   |
| Total Stockholders' Equity                          |   |               | 464,739   |   |             |   | 491,162   |   |   |   | 460,488   |   |   |   | 479,145 |   |
|                                                |   |               |      |   |             |   |      |   |   |   |      |   |   |   |   |   |
| FINANCIAL RATIOS:                                   |   |               |      |   |             |   |      |   |   |   |      |   |   |   |   |   |
| Return on Average Assets                            |   |               | 0.43      | %      |             |   | 0.77      | %      |   |   | 0.43      | %      |   |   | 0.39 | % |
| Return on Average Stockholders' Equity              |   |               | 3.87      |   |             |   | 6.73      |   |   |   | 3.90      |   |   |   | 3.51 |   |
| Average Earning Assets to Average Assets            |   |               | 90.64     |   |             |   | 90.34     |   |   |   | 90.73     |   |   |   | 90.51 |   |
| Allowance for Loan Losses as % of Total Loans       |   |               | 2.83      |   |             |   | 2.84      |   |   |   | 2.83      |   |   |   | 2.84 |   |
| Net Charge Off's as % of Average Loans (Annualized) |   |               | 1.37      |   |             |   | 2.14      |   |   |   | 1.23      |   |   |   | 2.16 |   |
| Average Stockholders' Equity to Average Assets      |   |               | 11.23     |   |             |   | 11.47     |   |   |   | 11.15     |   |   |   | 11.08 |   |
| Tax Equivalent Yield on Earning Assets              |   |               | 5.04      |   |             |   | 5.38      |   |   |   | 5.07      |   |   |   | 5.38 |   |
| Cost of Supporting Liabilities                      |   |               | 1.05      |   |             |   | 1.48      |   |   |   | 1.11      |   |   |   | 1.52 |   |
| Net Interest Margin (FTE) on Earning Assets         |   |               | 3.99      |   |             |   | 3.90      |   |   |   | 3.96      |   |   |   | 3.86 |   |

| NON-PERFORMING ASSETS                    |   |     |    |   |      |   |    |         |   |   |          |   |   |     |    |
|------------------------------------------|--------|----------|---------|--------|-----------|--------|---------|--------------|--------|--------|---------------|--------|--------|----------|---------|
| (Dollars in thousands)                   |   | June 30, |    |   | March 31, |   |    | December 31, |   |   | September 30, |   |   | June 30, |    |
|                                     |   | 2011     |    |   | 2011      |   |    | 2010         |   |   | 2010          |   |   | 2010     |    |
| Non-Accrual Loans                        |   | $        | 87,583  |   |      | $      | 87,712  |         |   | $      | 90,591        |   |   | $        | 98,597  |   |   | $ | 120,205 |   |
| Renegotiated Loans                       |   |     | 6,269   |   |      |   | 2,125   |         |   |   | 7,139         |   |   |     | 5,320   |   |   |   | 1,657 |   |
| Non-Performing Loans (NPL)               |   |     | 93,852  |   |      |   | 89,837  |         |   |   | 97,730        |   |   |     | 103,917 |   |   |   | 121,862 |   |
| Real Estate Owned and Repossessed Assets |   |     | 15,437  |   |      |   | 17,056  |         |   |   | 20,927        |   |   |     | 21,546  |   |   |   | 20,124 |   |
| Non-Performing Assets (NPA)              |   |     | 109,289 |   |      |   | 106,893 |         |   |   | 118,657       |   |   |     | 125,463 |   |   |   | 141,986 |   |
| 90+ Days Delinquent                      |   |     | 227     |   |      |   | 752     |         |   |   | 1,330         |   |   |     | 5,320   |   |   |   | 4,537 |   |
| NPAS & 90 Day Delinquent             |   | $        | 109,516 |   |      | $      | 107,645 |         |   | $      | 119,987       |   |   | $        | 130,783 |   |   | $ | 146,523 |   |
|   Loan Loss Reserve            |   | $        | 77,133  |   |      | $      | 80,936  |         |   | $      | 82,977        |   |   | $        | 83,660  |   |   | $ | 86,970 |   |
| YTD Charge-offs                          |   |     | 17,063  |   |      |   | 7,635   |         |   |   | 55,637        |   |   |     | 47,876  |   |   |   | 34,045 |   |
| NPAs / Actual Assets %                   |   |     | 2.67    | %      |      |   | 2.60    | %            |   |   | 2.84          | %      |   |     | 3.00    | % |   |   | 3.39 | % |
| NPAs & 90 Day / Actual Assets %      |   |     | 2.67    | %      |      |   | 2.61    | %            |   |   | 2.88          | %      |   |     | 3.13    | % |   |   | 3.50 | % |
| NPAs / Actual Loans and REO %            |   |     | 3.98    | %      |      |   | 3.84    | %            |   |   | 4.12          | %      |   |     | 4.25    | % |   |   | 4.61 | % |
| Loan Loss Reserves / Actual Loans (%)    |   |     | 2.83    | %      |      |   | 2.93    | %            |   |   | 2.90          | %      |   |     | 2.86    | % |   |   | 2.84 | % |
| NCOs / YTD Average Loans (%)             |   |     | 0.61    | %      |      |   | 0.27    | %            |   |   | 1.82          | %      |   |     | 1.54    | % |   |   | 1.08 | % |

----

| CONSOLIDATED BALANCE SHEETS                                             |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |
|-------------------------------------------------------------------------|--------|----------|-----------|--------|-----------|--------|-----------|--------------|--------|--------|---------------|--------|--------|----------|-----------|
| (Dollars in thousands)                                                  |   | June 30, |      |   | March 31, |   |      | December 31, |   |   | September 30, |   |   | June 30, |      |
|                                                                    |   | 2011     |      |   | 2011      |   |      | 2010         |   |   | 2010          |   |   | 2010     |      |
| ASSETS                                                                  |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |
| Cash and due from banks                                                 |   | $        | 50,874    |   |      | $      | 44,283    |         |   | $      | 50,844        |   |   | $        | 54,736    |   |   | $ | 60,223 |   |
| Federal funds sold                                                      |   |     |      |   |      |   | 6,092     |         |   |   | 7,463         |   |   |     | 6,392     |   |   |   | 4,101 |   |
| Cash and cash equivalents                                               |   |     | 50,874    |   |      |   | 50,375    |         |   |   | 58,307        |   |   |     | 61,128    |   |   |   | 64,324 |   |
| Interest-bearing time deposits                                          |   |     | 15,865    |   |      |   | 61,843    |         |   |   | 65,216        |   |   |     | 114,401   |   |   |   | 40,823 |   |
| Investment securities                                                   |   |     | 938,366   |   |      |   | 886,029   |         |   |   | 826,797       |   |   |     | 701,852   |   |   |   | 646,185 |   |
| Mortgage loans held for sale                                            |   |     | 4,846     |   |      |   | 2,111     |         |   |   | 21,469        |   |   |     | 15,390    |   |   |   | 7,600 |   |
| Loans                                                                   |   |     | 2,724,022 |   |      |   | 2,764,128 |         |   |   | 2,835,683     |   |   |     | 2,913,364 |   |   |   | 3,051,346 |   |
| Less: Allowance for loan losses                                         |   |     | (77,133   | )      |      |   | (80,936   | )            |   |   | (82,977       | )      |   |     | (83,660   | ) |   |   | (86,970 | ) |
| Net loans                                                               |   |     | 2,646,889 |   |      |   | 2,683,192 |         |   |   | 2,752,706     |   |   |     | 2,829,704 |   |   |   | 2,964,376 |   |
| Premises and equipment                                                  |   |     | 51,851    |   |      |   | 51,818    |         |   |   | 52,450        |   |   |     | 52,774    |   |   |   | 53,437 |   |
| Federal Reserve and Federal Home Loan Bank stock                        |   |     | 31,384    |   |      |   | 33,801    |         |   |   | 33,884        |   |   |     | 36,271    |   |   |   | 36,218 |   |
| Interest receivable                                                     |   |     | 17,001    |   |      |   | 17,583    |         |   |   | 18,674        |   |   |     | 20,310    |   |   |   | 18,894 |   |
| Core deposit intangibles and goodwill                                   |   |     | 151,817   |   |      |   | 152,918   |         |   |   | 154,019       |   |   |     | 155,180   |   |   |   | 156,340 |   |
| Cash surrender value of life insurance                                  |   |     | 102,880   |   |      |   | 102,309   |         |   |   | 96,731        |   |   |     | 96,206    |   |   |   | 95,666 |   |
| Other real estate owned                                                 |   |     | 15,437    |   |      |   | 17,056    |         |   |   | 20,927        |   |   |     | 21,546    |   |   |   | 20,124 |   |
| Tax asset, deferred and receivable                                      |   |     | 36,790    |   |      |   | 38,224    |         |   |   | 45,623        |   |   |     | 50,972    |   |   |   | 52,839 |   |
| Other assets                                                            |   |     | 30,218    |   |      |   | 19,916    |         |   |   | 24,045        |   |   |     | 24,586    |   |   |   | 26,422 |   |
| TOTAL ASSETS                                                            |   | $        | 4,094,218 |   |      | $      | 4,117,175 |         |   | $      | 4,170,848     |   |   | $        | 4,180,320 |   |   | $ | 4,183,248 |   |
| LIABILITIES                                                             |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Deposits:                                                               |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Noninterest-bearing                                                     |   | $        | 590,199   |   |      | $      | 586,973   |         |   | $      | 583,696       |   |   | $        | 525,463   |   |   | $ | 516,769 |   |
| Interest-bearing                                                        |   |     | 2,552,334 |   |      |   | 2,565,363 |         |   |   | 2,685,184     |   |   |     | 2,728,888 |   |   |   | 2,744,194 |   |
| Total Deposits                                                          |   |     | 3,142,533 |   |      |   | 3,152,336 |         |   |   | 3,268,880     |   |   |     | 3,254,351 |   |   |   | 3,260,963 |   |
| Borrowings:                                                             |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Federal Funds purchased                                                 |   |     | 22,978    |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Securities sold under repurchase agreements                             |   |     | 124,236   |   |      |   | 115,684   |         |   |   | 109,871       |   |   |     | 109,647   |   |   |   | 107,505 |   |
| Federal Home Loan Bank advances                                         |   |     | 74,050    |   |      |   | 104,697   |         |   |   | 82,684        |   |   |     | 92,628    |   |   |   | 100,540 |   |
| Subordinated debentures, revolving credit lines and term loans          |   |     | 226,580   |   |      |   | 226,400   |         |   |   | 226,440       |   |   |     | 227,514   |   |   |   | 225,867 |   |
| Total Borrowings                                                        |   |     | 447,844   |   |      |   | 446,781   |         |   |   | 418,995       |   |   |     | 429,789   |   |   |   | 433,912 |   |
| Interest payable                                                        |   |     | 3,601     |   |      |   | 3,117     |         |   |   | 4,262         |   |   |     | 4,011     |   |   |   | 4,911 |   |
| Other liabilities                                                       |   |     | 31,762    |   |      |   | 52,419    |         |   |   | 24,303        |   |   |     | 29,704    |   |   |   | 25,933 |   |
| Total Liabilities                                                       |   |     | 3,625,740 |   |      |   | 3,654,653 |         |   |   | 3,716,440     |   |   |     | 3,717,855 |   |   |   | 3,725,719 |   |
| STOCKHOLDERS' EQUITY                                                    |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Preferred Stock, no-par value:                                          |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Authorized -- 500,000 shares                                            |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Series A, Issued and outstanding - 69,600 shares                        |   |     | 68,118    |   |      |   | 67,998    |         |   |   | 67,880        |   |   |     | 67,764    |   |   |   | 67,649 |   |
| 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 - 25,690,649 and 25,524,948 shares               |   |     | 3,211     |   |      |   | 3,206     |         |   |   | 3,197         |   |   |     | 3,194     |   |   |   | 3,191 |   |
| Additional paid-in capital                                              |   |     | 233,544   |   |      |   | 233,032   |         |   |   | 232,503       |   |   |     | 231,979   |   |   |   | 231,372 |   |
| Retained earnings                                                       |   |     | 169,313   |   |      |   | 165,075   |         |   |   | 160,860       |   |   |     | 158,074   |   |   |   | 158,118 |   |
| Accumulated other comprehensive income (loss)                           |   |     | (5,833    | )      |      |   | (6,914    | )            |   |   | (10,157       | )      |   |     | 1,329     |   |   |   | (2,926 | ) |
| Total Stockholders' Equity                                              |   |     | 468,478   |   |      |   | 462,522   |         |   |   | 454,408       |   |   |     | 462,465   |   |   |   | 457,529 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              |   | $        | 4,094,218 |   |      | $      | 4,117,175 |         |   | $      | 4,170,848     |   |   | $        | 4,180,320 |   |   | $ | 4,183,248 |   |

----

| CONSOLIDATED STATEMENTS OF OPERATIONS                                       |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |
|-----------------------------------------------------------------------------|--------|----------|--------|--------|-----------|--------|--------|--------------|--------|--------|---------------|--------|--------|----------|--------|
| (Dollars in thousands, except per share amounts)                            |   | June 30, |   |   | March 31, |   |   | December 31, |   |   | September 30, |   |   | June 30, |   |
|                                                                        |   | 2011     |   |   | 2011      |   |   | 2010         |   |   | 2010          |   |   | 2010     |   |
| INTEREST INCOME                                                             |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |
| Loans receivable:                                                           |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |
| Taxable                                                                     |   | $        | 37,457 |   |      | $      | 38,738 |         |   | $      | 41,497        |   |   | $        | 43,148 |   |   | $ | 43,977 |   |
| Tax exempt                                                                  |   |     | 247    |   |      |   | 102    |         |   |   | (250          | )      |   |     | 236    |   |   |   | 252 |   |
| Investment securities:                                                      |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Taxable                                                                     |   |     | 5,040  |   |      |   | 4,547  |         |   |   | 3,680         |   |   |     | 3,100  |   |   |   | 3,286 |   |
| Tax exempt                                                                  |   |     | 2,535  |   |      |   | 2,553  |         |   |   | 2,573         |   |   |     | 2,610  |   |   |   | 2,548 |   |
| Federal funds sold                                                          |   |     | 1      |   |      |   | 2      |         |   |   | 3             |   |   |     | 3      |   |   |   | 3 |   |
| Deposits with financial institutions                                        |   |     | 100    |   |      |   | 83     |         |   |   | 142           |   |   |     | 84     |   |   |   | 95 |   |
| Federal Reserve and Federal Home Loan Bank stock                            |   |     | 341    |   |      |   | 341    |         |   |   | 312           |   |   |     | 250    |   |   |   | 330 |   |
| Total Interest Income                                                       |   |     | 45,721 |   |      |   | 46,366 |         |   |   | 47,957        |   |   |     | 49,431 |   |   |   | 50,491 |   |
| INTEREST EXPENSE                                                            |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Deposits                                                                    |   |     | 5,864  |   |      |   | 6,866  |         |   |   | 8,427         |   |   |     | 9,434  |   |   |   | 10,520 |   |
| Federal funds purchased                                                     |   |     | 3      |   |      |   | 3      |         |   |   |          |   |   |     | 1      |   |   |   | 4 |   |
| Securities sold under repurchase agreements                                 |   |     | 386    |   |      |   | 378    |         |   |   | 383           |   |   |     | 401    |   |   |   | 429 |   |
| Federal Home Loan Bank advances                                             |   |     | 977    |   |      |   | 1,001  |         |   |   | 1,146         |   |   |     | 1,218  |   |   |   | 1,440 |   |
| Subordinated debentures, revolving credit lines and term loans              |   |     | 2,644  |   |      |   | 2,641  |         |   |   | 2,508         |   |   |     | 2,695  |   |   |   | 1,919 |   |
| Total Interest Expense                                                      |   |     | 9,874  |   |      |   | 10,889 |         |   |   | 12,464        |   |   |     | 13,749 |   |   |   | 14,312 |   |
| NET INTEREST INCOME                                                         |   |     | 35,847 |   |      |   | 35,477 |         |   |   | 35,493        |   |   |     | 35,682 |   |   |   | 36,179 |   |
| Provision for loan losses                                                   |   |     | 5,625  |   |      |   | 5,594  |         |   |   | 7,078         |   |   |     | 10,521 |   |   |   | 15,015 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES                         |   |     | 30,222 |   |      |   | 29,883 |         |   |   | 28,415        |   |   |     | 25,161 |   |   |   | 21,164 |   |
| OTHER INCOME                                                                |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Service charges on deposit accounts                                         |   |     | 2,997  |   |      |   | 2,779  |         |   |   | 3,111         |   |   |     | 3,404  |   |   |   | 3,506 |   |
| Fiduciary activities                                                        |   |     | 1,929  |   |      |   | 2,036  |         |   |   | 1,881         |   |   |     | 1,773  |   |   |   | 1,978 |   |
| Other customer fees                                                         |   |     | 2,634  |   |      |   | 2,235  |         |   |   | 2,217         |   |   |     | 2,080  |   |   |   | 2,195 |   |
| Commission income                                                           |   |     | 1,024  |   |      |   | 1,888  |         |   |   | 1,267         |   |   |     | 1,482  |   |   |   | 1,487 |   |
| Earnings on cash surrender value of life insurance                          |   |     | 571    |   |      |   | 578    |         |   |   | 524           |   |   |     | 540    |   |   |   | 526 |   |
| Net gains and fees on sales of loans                                        |   |     | 1,030  |   |      |   | 1,873  |         |   |   | 2,384         |   |   |     | 2,088  |   |   |   | 1,185 |   |
| Net realized and unrealized gains on sales of available for sale securities |   |     | 825    |   |      |   | 463    |         |   |   | 1,305         |   |   |     | 2      |   |   |   | 257 |   |
| Other-than-temporary impairment on available for sale securities            |   |     |   |   |      |   | (400   | )            |   |   |          |   |   |     | (656   | ) |   |   | (400 | ) |
| Other income                                                                |   |     | 51     |   |      |   | 406    |         |   |   | 904           |   |   |     | 332    |   |   |   | 208 |   |
| Total Other Income                                                          |   |     | 11,061 |   |      |   | 11,858 |         |   |   | 13,593        |   |   |     | 11,045 |   |   |   | 10,942 |   |
| OTHER EXPENSES                                                              |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Salaries and employee benefits                                              |   |     | 18,560 |   |      |   | 17,176 |         |   |   | 19,655        |   |   |     | 18,094 |   |   |   | 17,942 |   |
| Net occupancy                                                               |   |     | 2,415  |   |      |   | 2,745  |         |   |   | 2,452         |   |   |     | 2,574  |   |   |   | 2,058 |   |
| Equipment                                                                   |   |     | 1,677  |   |      |   | 1,783  |         |   |   | 1,812         |   |   |     | 1,797  |   |   |   | 1,861 |   |
| Marketing                                                                   |   |     | 436    |   |      |   | 382    |         |   |   | 527           |   |   |     | 519    |   |   |   | 495 |   |
| Outside data processing fees                                                |   |     | 1,458  |   |      |   | 1,445  |         |   |   | 1,154         |   |   |     | 1,348  |   |   |   | 1,311 |   |
| Printing and office supplies                                                |   |     | 313    |   |      |   | 288    |         |   |   | 317           |   |   |     | 303    |   |   |   | 321 |   |
| Core deposit amortization                                                   |   |     | 1,101  |   |      |   | 1,101  |         |   |   | 1,161         |   |   |     | 1,161  |   |   |   | 1,192 |   |
| FDIC assessments                                                            |   |     | 1,451  |   |      |   | 2,104  |         |   |   | 2,044         |   |   |     | 2,112  |   |   |   | 2,243 |   |
| Other real estate owned and credit-related expenses                         |   |     | 2,843  |   |      |   | 3,195  |         |   |   | 5,257         |   |   |     | 2,991  |   |   |   | 1,503 |   |
| Other expenses                                                              |   |     | 4,145  |   |      |   | 3,662  |         |   |   | 3,814         |   |   |     | 4,236  |   |   |   | 5,417 |   |
| Total Other Expenses                                                        |   |     | 34,399 |   |      |   | 33,881 |         |   |   | 38,193        |   |   |     | 35,135 |   |   |   | 34,343 |   |
| INCOME (LOSS) BEFORE INCOME TAX                                             |   |     | 6,884  |   |      |   | 7,860  |         |   |   | 3,815         |   |   |     | 1,071  |   |   |   | (2,237 | ) |
| Income tax expense (benefit)                                                |   |     | 1,396  |   |      |   | 2,399  |         |   |   | (216          | )      |   |     | (564   | ) |   |   | (1,894 | ) |
| NET INCOME (LOSS)                                                           |   |     | 5,488  |   |      |   | 5,461  |         |   |   | 4,031         |   |   |     | 1,635  |   |   |   | (343 | ) |
| Gain on exchange of preferred stock for trust preferred debt                |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   | 10,052 |   |
| Preferred stock dividends and discount accretion                            |   |     | (990   | )      |      |   | (988   | )            |   |   | (1,476        | )      |   |     | (870   | ) |   |   | (1,443 | ) |
| NET INCOME AVAILABLE TO COMMON STOCKHOLDERS                                 |   | $        | 4,498  |   |      | $      | 4,473  |         |   | $      | 2,555         |   |   | $        | 765    |   |   | $ | 8,266 |   |
| PER SHARE:                                                                  |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Basic Net Income Available to Common Stockholders                           |   | $        | 0.18   |   |      | $      | 0.17   |         |   | $      | 0.10          |   |   | $        | 0.02   |   |   | $ | 0.35 |   |
| Diluted Net Income Available to Common Stockholders                         |   | $        | 0.18   |   |      | $      | 0.17   |         |   | $      | 0.10          |   |   | $        | 0.02   |   |   | $ | 0.35 |   |
| Cash Dividends Paid                                                         |   | $        | 0.01   |   |      | $      | 0.01   |         |   | $      | 0.01          |   |   | $        | 0.01   |   |   | $ | 0.01 |   |
| Average Diluted Shares Outstanding (in thousands)                           |   |     | 25,783 |   |      |   | 25,763 |         |   |   | 25,737        |   |   |     | 25,686 |   |   |   | 25,633 |   |
| FINANCIAL RATIOS:                                                           |   |     |   |   |      |   |   |         |   |   |          |   |   |     |   |   |   |   |   |   |
| Return on Average Assets                                                    |   |     | 0.43   | %      |      |   | 0.43   | %            |   |   | 0.24          | %      |   |     | 0.07   | % |   |   | 0.77 | % |
| Return on Average Stockholders' Equity                                      |   |     | 3.87   |   |      |   | 3.92   |         |   |   | 2.20          |   |   |     | 0.67   |   |   |   | 6.73 |   |
| Average Earning Assets to Average Assets                                    |   |     | 90.64  |   |      |   | 90.83  |         |   |   | 90.27         |   |   |     | 90.39  |   |   |   | 90.34 |   |
| Allowance for Loan Losses as % of Total Loans                               |   |     | 2.83   |   |      |   | 2.93   |         |   |   | 2.90          |   |   |     | 2.86   |   |   |   | 2.84 |   |
| Net Charge Off's as % of Average Loans (Annualized)                         |   |     | 1.37   |   |      |   | 1.09   |         |   |   | 1.07          |   |   |     | 1.84   |   |   |   | 2.14 |   |
| Average Stockholders' Equity to Average Assets                              |   |     | 11.23  |   |      |   | 11.07  |         |   |   | 10.93         |   |   |     | 10.95  |   |   |   | 11.47 |   |
| Tax Equivalent Yield on Earning Assets                                      |   |     | 5.04   |   |      |   | 5.11   |         |   |   | 5.13          |   |   |     | 5.38   |   |   |   | 5.38 |   |
| Cost of Supporting Liabilities                                              |   |     | 1.05   |   |      |   | 1.16   |         |   |   | 1.30          |   |   |     | 1.45   |   |   |   | 1.48 |   |
| Net Interest Margin (FTE) on Earning Assets                                 |   |     | 3.99   |   |      |   | 3.95   |         |   |   | 3.83          |   |   |     | 3.93   |   |   |   | 3.90 |   |

----

| LOANS                                                            |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |
|------------------------------------------------------------------|--------|----------|-----------|--------|-----------|--------|-----------|--------------|--------|--------|---------------|--------|--------|----------|-----------|
| (Dollars in thousands)                                           |   | June 30, |      |   | March 31, |   |      | December 31, |   |   | September 30, |   |   | June 30, |      |
|                                                             |   | 2011     |      |   | 2011      |   |      | 2010         |   |   | 2010          |   |   | 2010     |      |
| Commercial and industrial loans                                  |   | $        | 529,742   |   |      | $      | 529,110   |         |   | $      | 530,322       |   |   | $        | 550,310   |   |   | $ | 589,157 |   |
| Agricultural production financing and other loans to farmers     |   |     | 99,360    |   |      |   | 89,032    |         |   |   | 95,516        |   |   |     | 99,087    |   |   |   | 108,439 |   |
| Real estate loans:                                               |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |   |   |   |   |   |
| Construction                                                     |   |     | 96,308    |   |      |   | 103,956   |         |   |   | 106,615       |   |   |     | 91,705    |   |   |   | 111,070 |   |
| Commercial and farm land                                         |   |     | 1,171,901 |   |      |   | 1,199,078 |         |   |   | 1,229,037     |   |   |     | 1,229,836 |   |   |   | 1,269,455 |   |
| Residential                                                      |   |     | 687,095   |   |      |   | 699,773   |         |   |   | 724,020       |   |   |     | 779,483   |   |   |   | 816,823 |   |
| Individuals' loans for household and other personal expenditures |   |     | 94,123    |   |      |   | 104,701   |         |   |   | 115,295       |   |   |     | 128,400   |   |   |   | 129,724 |   |
| Lease financing receivables, net of unearned income              |   |     | 4,399     |   |      |   | 4,706     |         |   |   | 5,157         |   |   |     | 5,763     |   |   |   | 6,143 |   |
| Other loans                                                      |   |     | 41,094    |   |      |   | 33,772    |         |   |   | 29,721        |   |   |     | 28,780    |   |   |   | 20,535 |   |
| Loans                                                            |   |     | 2,724,022 |   |      |   | 2,764,128 |         |   |   | 2,835,683     |   |   |     | 2,913,364 |   |   |   | 3,051,346 |   |
| Allowance for loan losses                                        |   |     | (77,133   | )      |      |   | (80,936   | )            |   |   | (82,977       | )      |   |     | (83,660   | ) |   |   | (86,970 | ) |
| NET LOANS                                                        |   | $        | 2,646,889 |   |      | $      | 2,683,192 |         |   | $      | 2,752,706     |   |   | $        | 2,829,704 |   |   | $ | 2,964,376 |   |

| DEPOSITS                                                 |   |     |      |   |      |   |      |         |   |   |          |   |   |     |      |
|----------------------------------------------------------|--------|----------|-----------|--------|-----------|--------|-----------|--------------|--------|--------|---------------|--------|--------|----------|-----------|
| (Dollars in thousands)                                   |   | June 30, |      |   | March 31, |   |      | December 31, |   |   | September 30, |   |   | June 30, |      |
|                                                     |   | 2011     |      |   | 2011      |   |      | 2010         |   |   | 2010          |   |   | 2010     |      |
| Demand deposits                                          |   | $        | 1,363,621 |   |      | $      | 1,318,188 |         |   | $      | 1,362,927     |   |   | $        | 1,288,975 |   |   | $ | 1,246,006 |   |
| Savings deposits                                         |   |     | 750,337   |   |      |   | 765,138   |         |   |   | 763,949       |   |   |     | 761,181   |   |   |   | 730,105 |   |
| Certificates and other time deposits of $100,000 or more |   |     | 292,613   |   |      |   | 318,663   |         |   |   | 334,748       |   |   |     | 350,623   |   |   |   | 374,016 |   |
| Other certificates and time deposits                     |   |     | 597,330   |   |      |   | 624,032   |         |   |   | 661,569       |   |   |     | 685,917   |   |   |   | 715,941 |   |
| Brokered deposits                                        |   |     | 138,632   |   |      |   | 126,315   |         |   |   | 145,687       |   |   |     | 167,655   |   |   |   | 194,895 |   |
|      TOTAL DEPOSITS             |   | $        | 3,142,533 |   |      | $      | 3,152,336 |         |   | $      | 3,268,880     |   |   | $        | 3,254,351 |   |   | $ | 3,260,963 |   |

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