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| NET INTEREST MARGIN |
|---------------------|
|                                   | Q1-’09 | Q2-’09 | Q3-’09 | Q4-’09 | Q1-’10 | Q2-’10 | Q3-’10 | Q4-’10 | Q1-’11 |
|----------------------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------|
| Net Interest Income-FTE ($millions)    | $ 39.6  | $ 39.8       | $ 40.5       | $39.2        | $37.8        | $37.7        | $37.2        | $36.7        | $36.9        |
|                                   |         |         |         |         |         |         |         |         |         |
| Tax Equivalent Yield on Earning Assets | 5.69%        | 5.52%        | 5.56%        | 5.48%        | 5.39%        | 5.38%        | 5.38%        | 5.13%        | 5.11%        |
| Cost of Supporting Liabilities         | 2.01%        | 1.88%        | 1.73%        | 1.62%        | 1.57%        | 1.48%        | 1.45%        | 1.30%        | 1.16%        |
| Net Interest Margin                    | 3.68%        | 3.64%        | 3.83%        | 3.86%        | 3.82%        | 3.90%        | 3.93%        | 3.83%        | 3.95%        |

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|                                                              | 12/31/09 | 03/31/10 | 06/30/10 | 09/30/10        | 12/31/10 | 03/31/11 |
|-------------------------------------------------------------------|----------|----------|----------|-----------------|----------|----------|
|   NON-ACCRUAL LOANS BY CATEGORY                              |     |     |  %  | $ (in millions) |
| Commercial & Industrial                                       | 5.16%    | 3.68%    | 3.55%    | 3.19%           | 1.75%    | 1.55%    | $ 8.8 |
| Land and Lot                                                      | 12.60%   | 10.25%   | 8.91%    | 6.25%           | 16.10%   | 14.76%   | 15.3 |
| Commercial Mortgage                                               | 3.18%    | 4.65%    | 4.74%    | 4.22%           | 3.69%    | 3.66%    | 43.9 |
| Agriculture Production                                            | 0.28%    | 0.86%    | 1.27%    | 0.64%           | 0.57%    | 1.06%    | 0.9 |
|  Total Commercial                                            | 4.31%    | 4.51%    | 4.43%    | 3.84%           | 3.66%    | 3.52%    | $68.9 |
| Residential Mortgage                                              | 3.01%    | 3.86%    | 3.86%    | 3.26%           | 2.78%    | 3.21%    | $16.2 |
| Home Equity                                                       | 0.76%    | 0.79%    | 1.74%    | 1.39%           | 1.31%    | 1.31%    | 2.6 |
| Other Consumer                                                    | 0.07%    | 0.06%    | 0.00%    | 0.01%           | 0.00%    | 0.03%    | 0.0 |
|  Total Consumer                                              | 2.05%    | 2.59%    | 2.83%    | 2.36%           | 2.05%    | 2.32%    | $18.8 |
|                                                              |     |     |     |            |     |     |   |
|  Total Consumer and Commercial                               | 3.61%    | 3.92%    | 3.93%    | 3.37%           | 3.17%    | 3.17%    | $87.7 |
| (% of Period End Total Loans by Category and Loans Held for Sale) |     |     |

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| Industry:                                                | ($ in millions)  |
|----------------------------------------------------------|-----------------------|
| § Commercial Rental Property                   | $ 1.1                 |
| § 1-4 Family Residential Rental Property       | 0.9                   |
| § 1-4 Family Residential Rental Property       | 0.7                   |
| § Commercial Real Estate (Retail)              | 0.7                   |
| § Investments                                  | 0.6                   |
| § Commercial Real Estate (Retail Strip Center) | 0.6                   |
| § Engineering                                  | 0.6                   |
| § Builder                                      | 0.6                   |
| § Residential Real Estate                      | 0.5                   |
| § Mini-Storage Facility                        | 0.5                   |
| Total                                                    | $ 6.8                 |
| Q1-’10 |   | Q2-’10 |   | Q3-’10 |   | Q4 ‘10 |   | Q1-’11 |
|--------------|--------|--------------|--------|--------------|--------|--------------|--------|--------------|
| $            | #      |         | $      | #            |   | $            | #      |         | $ | # |   | $ | # |
| $28.4        | 10     |         | $20.3  | 10           |   | $6.8         | 6      |         | $14.5 | 6 |   | $6.8 | 10 |

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|         | CommercialReal Estate | Land &Construction | 1-4 Family | Total |
|--------------|-----------------------|------------------------|------------|-------|
| Book Balance | $5.2                  | $7.7                   | $4.2       | $17.1 |
| % ORE        | 30.7%                 | 45.0%                  | 24.3%      | 100%  |

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|                                                                                                                   | 12/31/09 | 03/31/10 | 06/30/10 | 09/30/10 | 12/31/10 | 03/31/11 |
|------------------------------------------------------------------------------------------------------------------------|----------|----------|----------|----------|----------|----------|
| NET CHARGE-OFFs BY CATEGORY                                                                                            |
| Commercial & Industrial                                                                                            | 5.12%    | 7.60%    | 4.65%    | 3.22%    | 2.69%    | 0.30%    |
| Land and Lot                                                                                                           | 9.03%    | 0.19%    | 5.10%    | 4.14%    | 4.27%    | 9.96%    |
| Commercial Mortgage                                                                                                    | 1.52%    | 0.92%    | 1.98%    | 2.44%    | 2.18%    | 1.15%    |
| Agriculture Production                                                                                                 | 0.72%    | 2.86%    | 1.18%    | 1.36%    | 1.04%    | 0.00%    |
|  Total Commercial                                                                                                 | 3.13%    | 2.95%    | 2.88%    | 2.69%    | 2.38%    | 1.32%    |
| Residential Mortgage                                                                                                   | 0.82%    | 0.55%    | 0.79%    | 1.09%    | 1.12%    | 0.27%    |
| Home Equity                                                                                                            | 1.21%    | 0.43%    | 0.71%    | 1.04%    | 0.25%    | 1.11%    |
| Other Consumer                                                                                                         | 1.72%    | 1.03%    | 0.96%    | 1.15%    | 1.28%    | 1.13%    |
|  Total Consumer                                                                                                   | 1.04%    | 0.59%    | 0.79%    | 1.09%    | 0.94%    | 0.59%    |
|                                                                                                                   |     |     |     |     |     |     |
|  Total Consumer andCommercial                                                                                     | 2.49%    | 2.22%    | 2.23%    | 2.18%    | 1.95%    | 1.10%    |
|   (Annualized Year-to-Date Net Charge-Offs by Category as a % of Period End Total Loans plus Loans Held for Sale) |

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|                                                                | Q2-’10     | Q3-’10 | Q4-’10 | Q1-’11 |
|---------------------------------------------------------------------|------------------|--------------|--------------|--------------|
| Beginning Balance NPAs & 90+ Days Delinquent ($ in millions)    | $ 144.6          | $ 146.5      | $ 130.8      | $ 120.0      |
| Non-Accrual                                                         |             |         |         |         |
|  Add: New NPLs                                                 | $ 27.3           | $ 15.5       | $ 27.4       | $ 11.7       |
|  Less: To Accrual/Payoff/Restructured                          | ( 8.3)           | ( 18.6)      | ( 14.5)      | ( 3.2)       |
|  Less: To OREO                                                 | ( 4.0)           | ( 6.7)  | ( 7.0)       | ( 2.0)       |
|  Less: Charge-offs (includes write-downs for transfer to OREO) | ( 17.7)          | ( 11.8)      | (13.9)       | ( 9.4)       |
| Increase /(Decrease): Non-Accrual Loans                        | ($ 2.7)          | ($ 21.6)     | ($ 8.0)      | ($ 2.9)      |
| Other Real Estate Owned (ORE)                                       |             |         |         |         |
|  Add: New ORE Properties                                       | $ 4.0       | $ 6.6   | $7.2         | $ 2.2        |
|  Less: ORE Sold                                                |  ( 0.2)     | ( 3.8)       | ( 4.2)       | ( 3.6)       |
|  Less: ORE Losses (write-downs)                                | ( 1.9)           | ( 1.4)       | ( 3.6)       | ( 2.5)       |
| Increase /(Decrease): ORE                                           | $ 1.9       | $ 1.4        | ($ .60)      | ($ 3.9)      |
| Increase /(Decrease): 90 Days Delinquent                            | $ 1.9       | $ 0.8        | ($ 4.0)      | ($ 0.6)      |
| Increase /(Decrease): Restructured/Renegotiated Loans               | $  0.8 | $ 3.7   | $ 1.8        | ($ 5.0)      |
| Total NPA Change                                                    | $ 1.9       | ($ 15.7)     | ($ 10.8)     | ($ 12.4)     |
| Ending Balance NPAs & 90+ Days Delinquent                       | $ 146.5          | $ 130.8      | $ 120.0      | $ 107.6      |

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|                                             | Q1-’10 | Q2-’10 | Q3-’10 | Q4-’10 | Q1-’11 |
|--------------------------------------------------|--------------|--------------|--------------|--------------|--------------|
| 1. Allowance for Loan and Lease Losses | $88.6        | $87.0        | $83.7        | $83.0        | $80.9        |
| 2. Non-Accrual Loans                        | $122.9       | $120.2       | $98.6        | $90.6        | $87.7        |
| 3. ALLL % of Non-Accrual Loans              | 72.1%        | 72.4%        | 84.9%        | 91.6%        | 92.3%        |
| 4. Impaired Loans                           | $157.4       | $150.6       | $125.7       | $116.2       | $116.8       |
| 5. Specific Reserves                        | $21.8        | $18.4        | $14.9        | $13.9        | $15.8        |
| 6. Classified Assets                        | $328.2       | $341.6       | $334.2       | $313.0       | $293.8       |
| 7.  Criticized Assets (includes Classified) | $424.5       | $442.9       | $408.6       | $393.0       | $383.7       |
|                                             |         |         |         |         |         |

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