First Midwest Bancorp (ONBPP) 8-K Results of Operations and Financial Condition

Exhibit 99.2

First Midwest Bancorp, Inc.

Selected Financial Information

(Amounts in thousands, except per share data)

2012

2011

2010

March 31

June 30

September 30

December 31

Dec. 31/YTD

March 31

June 30

September 30

December 31

Dec. 31/YTD

March 31

June 30

September 30

December 31

Dec. 31/YTD

Period-End Balance Sheet

Assets:

Cash and cash equivalents	$	486,373		$	478,162		$	518,374		$	716,266		$	716,266		$	526,460		$	711,469		$	1,062,333		$	641,530		$	641,530		$	126,914		$	373,080		$	735,945		$	585,776		$	585,776
Securities available-for-sale, at fair value	1,183,975			1,174,931			1,191,582			1,082,403			1,082,403			1,057,758			1,009,873			970,430			1,013,006			1,013,006			1,152,039			1,090,109			1,058,609			1,057,802			1,057,802
Securities held-to-maturity, at amortized cost	56,319			60,933			41,944			34,295			34,295			81,218			76,142			74,375			60,458			60,458			90,449			87,843			85,687			81,320			81,320
FHLB and FRB stock	46,750			46,750			47,232			47,232			47,232			61,338			58,187			58,187			58,187			58,187			59,428			59,864			62,038			61,338			61,338
Loans held-for-sale	1,500			—			90,011			—			—			3,800			1,595			4,620			4,200			4,200			—			—			1,168			236			236
Loans:
Commercial and industrial	1,496,966			1,597,427			1,610,169			1,631,474			1,631,474			1,493,465			1,518,772			1,476,034			1,458,446			1,458,446			1,454,714			1,494,119			1,472,439			1,465,903			1,465,903
Agricultural	237,686			272,742			259,787			268,618			268,618			234,898			237,518			250,436			243,776			243,776			200,527			199,597			212,800			227,756			227,756
Commercial real estate:
Office, retail, and industrial	1,366,899			1,391,129			1,330,331			1,333,191			1,333,191			1,205,880			1,229,100			1,263,315			1,299,082			1,299,082			1,239,583			1,220,191			1,215,649			1,203,613			1,203,613
Multi-family	301,356			308,250			309,509			285,481			285,481			344,645			336,138			317,313			288,336			288,336			348,178			369,281			350,458			349,862			349,862
Residential construction	99,768			88,908			61,920			61,462			61,462			151,887			129,327			116,283			105,836			105,836			276,322			241,094			226,126			174,690			174,690
Commercial construction	142,307			147,626			136,509			124,954			124,954			153,392			146,679			145,889			144,909			144,909			233,662			202,041			193,041			164,472			164,472
Other commercial real estate	829,005			817,071			780,712			773,121			773,121			850,334			852,966			877,241			888,146			888,146			790,502			831,723			837,877			856,357			856,357
1-4 family mortgages	217,729			237,341			292,908			282,948			282,948			178,538			185,002			189,587			201,099			201,099			139,840			145,457			150,110			160,890			160,890
Consumer	445,612			437,532			436,500			428,427			428,427			482,504			477,409			468,396			458,483			458,483			512,546			504,844			506,166			497,017			497,017
Total loans, excluding covered loans	5,137,328			5,298,026			5,218,345			5,189,676			5,189,676			5,095,543			5,112,911			5,104,494			5,088,113			5,088,113			5,195,874			5,208,347			5,164,666			5,100,560			5,100,560
Covered loans	251,376			230,047			216,610			197,894			197,894			349,446			314,942			289,747			260,502			260,502			144,369			164,924			396,121			371,729			371,729
Allowance for loan and covered losses	(116,264		)	(116,182		)	(102,445		)	(99,446		)	(99,446		)	(142,503		)	(137,331		)	(128,791		)	(119,462		)	(119,462		)	(144,824		)	(145,027		)	(144,569		)	(142,572		)	(142,572		)
Net loans	5,272,440			5,411,891			5,332,510			5,288,124			5,288,124			5,302,486			5,290,522			5,265,450			5,229,153			5,229,153			5,195,419			5,228,244			5,416,218			5,329,717			5,329,717
OREO, excluding covered OREO	35,276			28,309			36,487			39,953			39,953			33,863			24,407			23,863			33,975			33,975			62,565			57,023			52,044			31,069			31,069
Covered OREO	16,990			9,136			8,729			13,123			13,123			21,543			14,583			21,594			23,455			23,455			8,649			10,657			24,222			22,370			22,370
FDIC indemnification asset	58,488			58,302			47,191			37,051			37,051			85,386			95,752			63,508			65,609			65,609			54,591			75,991			95,641			95,899			95,899
Investment in bank-owned life insurance	206,304			206,572			206,043			206,405			206,405			197,889			198,149			205,886			206,235			206,235			198,201			198,399			198,666			197,644			197,644
Goodwill and other intangible assets	282,815			281,981			281,914			281,059			281,059			285,077			284,120			283,163			283,650			283,650			280,477			281,255			287,173			286,033			286,033
Other assets	340,772			342,388			365,159			353,928			353,928			379,791			364,592			346,765			354,136			354,136			364,175			342,624			350,412			389,098			389,098
Total assets	$	7,988,002		$	8,099,355		$	8,167,176		$	8,099,839		$	8,099,839		$	8,036,609		$	8,129,391		$	8,380,174		$	7,973,594		$	7,973,594		$	7,592,907		$	7,805,089		$	8,367,823		$	8,138,302		$	8,138,302
Liabilities and Stockholders’ Equity:
Noninterest-bearing deposits	$	1,637,593		$	1,727,009		$	1,773,928		$	1,762,903		$	1,762,903		$	1,346,698		$	1,494,390		$	1,634,623		$	1,593,773		$	1,593,773		$	1,129,777		$	1,188,356		$	1,284,940		$	1,329,505		$	1,329,505
Interest-bearing deposits	4,848,770			4,900,734			4,975,127			4,909,352			4,909,352			5,073,196			5,001,159			4,991,985			4,885,402			4,885,402			4,734,327			4,935,209			5,392,319			5,181,971			5,181,971
Total deposits	6,486,363			6,627,743			6,749,055			6,672,255			6,672,255			6,419,894			6,495,549			6,626,608			6,479,175			6,479,175			5,864,104			6,123,565			6,677,259			6,511,476			6,511,476
Borrowed funds	202,155			189,524			183,691			185,984			185,984			273,342			272,024			386,429			205,371			205,371			387,163			328,470			323,077			303,974			303,974
Senior and subordinated debt	231,106			231,138			231,171			214,779			214,779			137,746			137,748			137,751			252,153			252,153			137,737			137,739			137,741			137,744			137,744
Other liabilities	95,677			72,398			69,824			85,928			85,928			81,925			82,828			77,476			74,308			74,308			60,135			59,803			69,687			73,063			73,063
Stockholders’ equity	972,701			978,552			933,435			940,893			940,893			1,123,702			1,141,242			1,151,910			962,587			962,587			1,143,768			1,155,512			1,160,059			1,112,045			1,112,045
Total liabilities and stockholders’ equity	$	7,988,002		$	8,099,355		$	8,167,176		$	8,099,839		$	8,099,839		$	8,036,609		$	8,129,391		$	8,380,174		$	7,973,594		$	7,973,594		$	7,592,907		$	7,805,089		$	8,367,823		$	8,138,302		$	8,138,302
Stockholders’ equity, excluding OCI	$	983,620		$	990,419		$	942,683		$	956,553		$	956,553		$	1,148,075		$	1,156,581		$	1,163,323		$	975,863		$	975,863		$	1,162,646		$	1,168,315		$	1,169,262		$	1,139,784		$	1,139,784
Stockholders’ equity, common	972,701			978,552			933,435			940,893			940,893			930,702			948,242			958,910			962,587			962,587			950,768			962,512			967,059			919,045			919,045
Stockholders’ equity, common excluding OCI	983,620			990,419			942,683			956,553			956,553			955,075			963,581			970,323			975,863			975,863			969,646			975,315			976,262			946,784			946,784
Stockholders’ equity, preferred	—			—			—			—			—			193,000			193,000			193,000			—			—			193,000			193,000			193,000			193,000			193,000
Average Balance Sheet
Total assets	$	7,957,190		$	8,113,742		$	8,227,113		$	8,139,243		$	8,109,726		$	8,094,951		$	8,171,095		$	8,229,780		$	8,142,503		$	8,159,906		$	7,665,781		$	7,905,364		$	8,203,617		$	8,314,634		$	8,024,654
Investment securities	1,163,338			1,238,767			1,220,654			1,144,997			1,191,889			1,166,991			1,150,221			1,057,075			1,069,844			1,110,619			1,298,832			1,213,455			1,178,794			1,139,127			1,207,036
FHLB and FRB stock	52,531			46,750			47,111			47,232			48,400			61,338			59,745			58,187			58,187			59,352			58,495			59,758			60,998			61,703			60,249
Total loans, excluding covered loans	5,089,286			5,213,944			5,353,911			5,160,576			5,204,718			5,075,840			5,108,234			5,136,130			5,085,792			5,101,621			5,197,499			5,204,566			5,207,419			5,155,416			5,191,154
Covered loans and FDIC indemnification asset	318,569			297,141			276,180			248,971			285,091			444,242			420,108			387,635			343,479			398,559			208,663			233,907			367,727			480,612			323,595
Other interest-earning assets	464,373			448,126			450,917			631,693			502,069			483,252			582,570			758,030			732,051			639,984			55,275			314,480			464,793			609,391			382,023
Total interest-earning assets	$	7,088,097		$	7,244,728		$	7,348,773		$	7,233,469		$	7,232,167		$	7,231,663		$	7,320,878		$	7,397,057		$	7,289,353		$	7,310,135		$	6,818,764		$	7,026,166		$	7,279,731		$	7,446,249		$	7,164,057
Demand deposits	$	1,591,198		$	1,797,854		$	1,852,810		$	1,808,522		$	1,762,968		$	1,342,013		$	1,465,438		$	1,569,671		$	1,613,221		$	1,498,900		$	1,124,320		$	1,181,097		$	1,242,257		$	1,348,188		$	1,224,629
Interest-bearing demand deposits	386			718			514			155			443			—			—			—			24			6			—			—			—			—			—
Savings deposits	995,955			1,042,099			1,048,430			1,066,611			1,038,379			901,205			944,802			940,151			952,962			934,937			759,786			803,353			832,672			864,334			815,371
NOW accounts	1,051,484			1,063,336			1,110,898			1,133,585			1,090,003			1,044,280			1,126,913			1,129,893			1,062,993			1,091,178			922,179			1,157,246			1,173,347			1,075,642			1,082,774
Money market deposits	1,184,316			1,176,723			1,234,833			1,268,046			1,216,173			1,240,439			1,205,736			1,236,546			1,237,600			1,230,090			1,110,519			1,155,889			1,226,314			1,302,325			1,199,362
Transactional deposits	4,823,339			5,080,730			5,247,485			5,276,919			5,107,966			4,527,937			4,742,889			4,876,261			4,866,800			4,755,111			3,916,804			4,297,585			4,474,590			4,590,489			4,322,136
Time deposits	1,621,926			1,548,410			1,498,993			1,447,918			1,529,006			1,937,890			1,813,164			1,731,413			1,688,971			1,792,009			1,956,745			1,916,116			2,022,721			2,069,389			1,991,637
Total deposits	6,445,265			6,629,140			6,746,478			6,724,837			6,636,972			6,465,827			6,556,053			6,607,674			6,555,771			6,547,120			5,873,549			6,213,701			6,497,311			6,659,878			6,313,773
Borrowed funds	203,548			195,934			189,835			185,390			193,643			285,847			262,525			262,001			252,839			265,702			477,323			342,808			337,905			281,050			359,174
Senior and subordinated debt	248,232			231,123			231,156			214,764			231,273			137,745			137,747			137,749			187,488			150,285			137,736			137,738			137,740			137,743			137,739
Total funding sources	$	6,897,045		$	7,056,197		$	7,167,469		$	7,124,991		$	7,061,888		$	6,889,419		$	6,956,325		$	7,007,424		$	6,996,098		$	6,963,107		$	6,488,608		$	6,694,247		$	6,972,956		$	7,078,671		$	6,810,686
Stockholders’ equity	$	970,368		$	977,054		$	982,582		$	941,175		$	967,763		$	1,122,315		$	1,134,770		$	1,148,548		$	1,072,684		$	1,119,523		$	1,119,866		$	1,152,394		$	1,163,661		$	1,156,263		$	1,148,219
Stockholders’ equity, common	970,368			977,054			982,582			941,175			967,763			929,315			941,770			955,548			961,500			947,145			926,866			959,394			970,661			963,263			955,219
Stockholders’ equity, preferred	—			—			—			—			—			193,000			193,000			193,000			111,184			172,378			193,000			193,000			193,000			193,000			193,000

2012

2011

2010

March 31

June 30

September 30

December 31

Dec. 31/YTD

March 31

June 30

September 30

December 31

Dec. 31/YTD

March 31

June 30

September 30

December 31

Dec. 31/YTD

Income Statement

Interest income	$	75,268		$	75,518		$	75,584		$	74,199		$	300,569		$	81,283		$	81,296		$	80,175		$	78,757		$	321,511		$	81,779		$	82,274		$	82,338		$	82,476		$	328,867
Interest expense	10,086			8,814			8,324			7,677			34,901			10,637			9,935			9,640			9,679			39,891			13,841			12,655			12,125			10,897			49,518
Net interest income	65,182			66,704			67,260			66,522			265,668			70,646			71,361			70,535			69,078			281,620			67,938			69,619			70,213			71,579			279,349
Provision for loan and covered loan losses	18,210			22,458			111,791			5,593			158,052			19,492			18,763			20,425			21,902			80,582			18,350			21,526			33,576			73,897			147,349
Service charges on deposit accounts	8,660			8,848			9,502			9,689			36,699			8,144			9,563			10,215			9,957			37,879			8,381			9,052			9,249			9,202			35,884
Wealth management fees	5,392			5,394			5,415			5,590			21,791			5,053			5,237			4,982			5,052			20,324			4,529			4,620			4,714			4,944			18,807
Other service charges, commissions, and fees	3,520			4,097			4,187			6,177			17,981			3,977			4,243			4,289			3,877			16,386			3,236			3,710			3,946			3,602			14,494
Card-based fees	5,020			5,312			5,246			5,274			20,852			4,529			5,162			4,931			4,971			19,593			3,893			4,497			4,547			4,640			17,577
Total fee-based revenues	22,592			23,651			24,350			26,730			97,323			21,703			24,205			24,417			23,857			94,182			20,039			21,879			22,456			22,388			86,762
Bank-owned life insurance income	248			404			300			355			1,307			252			259			1,479			241			2,231			248			349			267			696			1,560
Net securities (losses) gains	(943		)	151			(217		)	88			(921		)	540			1,531			449			(110		)	2,410			3,057			1,121			6,376			1,662			12,216
Gains on acquisitions	—			—			3,289			—			3,289			—			—			—			1,076			1,076			—			4,303			—			—			4,303
Gain on bulk loan sales	—			—			—			5,153			5,153			—			—			—			—			—			—			—			—			—			—
Net gains (losses) on early extinguishment of debt	256			—			—			(814		)	(558		)	—			—			—			—			—			—			—			—			—			—
Other	2,536			(169		)	1,412			576			4,355			1,722			499			(1,754		)	1,571			2,038			977			(342		)	1,654			1,421			3,710
Total noninterest income	24,689			24,037			29,134			32,088			109,948			24,217			26,494			24,591			26,635			101,937			24,321			27,310			30,753			26,167			108,551
Salaries and employee benefits	34,050			29,566			33,111			34,028			130,755			32,818			31,554			29,182			35,220			128,774			26,884			26,540			29,926			31,028			114,378
Net occupancy and equipment expense	8,331			7,513			8,108			8,747			32,699			9,103			8,012			8,157			7,681			32,953			8,168			7,808			8,326			7,916			32,218
FDIC premiums	1,719			1,659			1,785			1,763			6,926			2,725			1,708			1,799			1,758			7,990			2,532			2,546			2,835			2,967			10,880
Losses on sales and valuation adjustments of OREO	303			2,527			2,025			31			4,886			2,227			3,423			2,611			1,425			9,686			7,879			8,924			8,265			15,412			40,480
Other real estate expense, net	1,561			1,597			1,183			1,294			5,635			1,704			1,800			1,563			1,540			6,607			2,908			2,926			1,312			2,408			9,554
Other intangibles amortization	834			834			849			855			3,372			957			956			957			932			3,802			1,003			1,029			1,107			1,139			4,278
Other expenses	15,815			17,461			23,062			26,889			83,227			15,884			18,266			19,907			18,035			72,092			16,099			17,682			17,006			16,204			66,991
Total noninterest expense	62,613			61,157			70,123			73,607			267,500			65,418			65,719			64,176			66,591			261,904			65,473			67,455			68,777			77,074			278,779
Income (loss) before income tax	9,048			7,126			(85,520		)	19,410			(49,936		)	9,953			13,373			10,525			7,220			41,071			8,436			7,948			(1,387		)	(53,225		)	(38,228		)
Income tax	1,156			761			(36,993		)	6,194			(28,882		)	(91		)	2,720			1,583			296			4,508			355			139			(3,972		)	(25,066		)	(28,544		)
Net income (loss)	$	7,892		$	6,365		$	(48,527	)	$	13,216		$	(21,054	)	$	10,044		$	10,653		$	8,942		$	6,924		$	36,563		$	8,081		$	7,809		$	2,585		$	(28,159	)	$	(9,684	)
Net income (loss) applicable to common shares	$	7,753		$	6,289		$	(47,812	)	$	13,022		$	(20,748	)	$	7,326		$	7,971		$	6,263		$	3,877		$	25,437		$	5,428		$	5,171		$	11		$	(30,327	)	$	(19,717	)
Basic earnings (loss) per common share	0.11			0.09			(0.65		)	0.18			(0.28		)	0.10			0.11			0.09			0.05			0.35			0.08			0.07			0.00			(0.41		)	(0.27		)
Diluted earnings (loss) per common share	0.11			0.09			(0.65		)	0.18			(0.28		)	0.10			0.11			0.09			0.05			0.35			0.08			0.07			0.00			(0.41		)	(0.27		)
Weighted average shares outstanding	73,505			73,659			73,742			73,750			73,665			73,151			73,259			73,361			73,382			73,289			70,469			73,028			73,072			73,085			72,422
Weighted average diluted shares outstanding	73,505			73,659			73,742			73,758			73,666			73,151			73,259			73,361			73,382			73,289			70,469			73,028			73,072			73,085			72,422
Tax equivalent adjustment (1)	$	3,292		$	3,324		$	3,400		$	3,233		$	13,249		$	3,567		$	3,517		$	3,395		$	3,339		$	13,818		$	4,252		$	4,265		$	4,053		$	3,742		$	16,312
Net interest income (FTE) (1)	68,474			70,028			70,660			69,755			278,917			74,213			74,878			73,930			72,417			295,438			72,190			73,884			74,266			75,321			295,661
Common stock and related per common share data:
Book value	$	12.99		$	13.07		$	12.47		$	12.57		$	12.57		$	12.49		$	12.73		$	12.87		$	12.93		$	12.93		$	12.84		$	13.00		$	13.06		$	12.40		$	12.40
Tangible book value	9.21			9.30			8.71			8.82			8.82			8.66			8.92			9.07			9.12			9.12			9.05			9.20			9.18			8.54			8.54
Dividends declared per share	0.01			0.01			0.01			0.01			0.04			0.01			0.01			0.01			0.01			0.04			0.01			0.01			0.01			0.01			0.04
Closing price at period end	11.98			10.98			12.56			12.52			12.52			11.79			12.29			7.32			10.13			10.13			13.55			12.16			11.53			11.52			11.52
Market price - period high	12.87			12.25			13.40			13.57			13.57			13.07			13.48			12.72			10.31			13.48			14.43			17.95			13.43			13.13			17.95
Market price - period low	10.25			9.42			10.43			11.62			9.42			10.79			11.05			7.22			6.89			6.89			10.37			12.10			10.72			9.26			9.26
Closing price to book value	0.9			0.8			1.0			1.0			1.0			0.9			1.0			0.6			0.8			0.8			1.1			0.9			0.9			0.9			0.9
Period end shares outstanding	74,898			74,862			74,831			74,840			74,840			74,543			74,473			74,485			74,435			74,435			74,046			74,049			74,057			74,096			74,096
Period end treasury shares	10,889			10,925			10,956			10,947			10,947			11,244			11,314			11,302			11,352			11,352			11,741			11,738			11,730			11,691			11,691
Common dividends	$	749		$	745		$	747		$	739		$	2,980		$	746		$	743		$	745		$	744		$	2,978		$	740		$	741		$	743		$	741		$	2,965
Preferred dividends	—			—			—			—			—			2,413			2,412			2,413			1,420			8,658			2,413			2,412			2,412			2,413			9,650
Other Key Ratios/Data:
Return on average common equity (2)	3.21		%	2.59		%	-19.36		%	5.50		%	-2.14		%	3.20		%	3.39		%	2.60		%	1.60		%	2.69		%	2.38		%	2.16		%	0.00		%	-12.49		%	-2.06		%
Return on average assets (2)	0.40		%	0.32		%	-2.35		%	0.65		%	-0.26		%	0.50		%	0.52		%	0.43		%	0.34		%	0.45		%	0.43		%	0.40		%	0.13		%	-1.34		%	-0.12		%
Net interest margin (1)	3.88		%	3.88		%	3.83		%	3.84		%	3.86		%	4.15		%	4.10		%	3.97		%	3.95		%	4.04		%	4.28		%	4.21		%	4.05		%	4.02		%	4.13		%
Yield on average interest-earning assets (1)	4.45		%	4.37		%	4.28		%	4.26		%	4.34		%	4.75		%	4.64		%	4.49		%	4.47		%	4.59		%	5.10		%	4.94		%	4.72		%	4.60		%	4.82		%
Cost of funds	0.76		%	0.67		%	0.62		%	0.57		%	0.66		%	0.78		%	0.73		%	0.70		%	0.71		%	0.73		%	1.05		%	0.92		%	0.84		%	0.75		%	0.89		%
Efficiency ratio (1)	64.62		%	60.56		%	69.04		%	74.02		%	67.14		%	62.70		%	60.49		%	60.57		%	64.76		%	62.12		%	58.41		%	57.92		%	59.91		%	59.08		%	58.84		%
Net noninterest expense ratio (2)	1.88		%	1.85		%	2.13		%	2.25		%	2.03		%	2.09		%	2.00		%	1.93		%	1.99		%	2.00		%	2.34		%	2.31		%	2.15		%	2.51		%	2.33		%
Effective income tax rate	12.78		%	10.68		%	43.26		%	31.91		%	57.84		%	-0.91		%	20.34		%	15.04		%	4.10		%	10.98		%	4.21		%	1.75		%	286.37		%	47.09		%	74.67		%
Full time equivalent employees - end of period	1,757			1,758			1,768			1,731			1,731			1,845			1,846			1,833			1,791			1,791			1,729			1,762			1,884			1,838			1,838
Number of bank offices	98			98			95			92			92			97			96			96			98			98			94			95			100			98			98
Number of automated teller machines	132			132			131			130			130			136			135			133			132			132			129			131			129			137			137

Note: Discussion of footnotes (1) and (2) are located at the end of this document.

2012

2011

2010

March 31

June 30

September 30

December 31

Dec. 31/YTD

March 31

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September 30

December 31

Dec. 31/YTD

March 31

June 30

September 30

December 31

Dec. 31/YTD

Pre-Tax, Pre-Provision Operating Earnings

Income (loss) before income tax	$	9,048		$	7,126		$	(85,520	)	$	19,410		$	(49,936	)	$	9,953		$	13,373		$	10,525		$	7,220		$	41,071		$	8,436		$	7,948		$	(1,387	)	$	(53,225	)	$	(38,228	)
Provision for loan losses	18,210			22,458			111,791			5,593			158,052			19,492			18,763			20,425			21,902			80,582			18,350			21,526			33,576			73,897			147,349
Pre-tax, pre-provision earnings	27,258			29,584			26,271			25,003			108,116			29,445			32,136			30,950			29,122			121,653			26,786			29,474			32,189			20,672			109,121
Adjustments to pre-tax, pre-provision earnings:
Net securities (losses) gains	(943		)	151			(217		)	88			(921		)	540			1,531			449			(110		)	2,410			3,057			1,121			6,376			1,662			12,216
Gain, less related expenses, on bulk loan sales	—			—			—			2,639			2,639			—			—			—			—			—			—			—			—			—			—
Gains on acquisitions, net of integration costs	—			—			3,074			(588		)	2,486			—			—			—			1,076			1,076			(129		)	2,531			(847		)	(576		)	979
Net gains (losses) on early extinguishment of debt	256			—			—			(814		)	(558		)	—			—			—			—			—			—			—			—			—			—
Accelerated amortization of FDIC indemnification asset	—			—			(4,000		)	(2,705		)	(6,705		)	—			—			—			—			—			—			—			—			—			—
Net losses on sales and valuation adjustments of OREO, excess properties, assets held-for-sale, and other	(303		)	(2,527		)	(3,280		)	(1,864		)	(7,974		)	(2,537		)	(4,149		)	(2,686		)	(1,425		)	(10,797		)	(7,879		)	(8,924		)	(8,265		)	(15,412		)	(40,480		)
Severance-related costs	(315		)	—			(840		)	—			(1,155		)	—			(191		)	(78		)	(2,000		)	(2,269		)	—			—			—			—			—
Total adjustments	(1,305		)	(2,376		)	(5,263		)	(3,244		)	(12,188		)	(1,997		)	(2,809		)	(2,315		)	(2,459		)	(9,580		)	(4,951		)	(5,272		)	(2,736		)	(14,326		)	(27,285		)
Pre-tax, pre-provision operating earnings	$	28,563		$	31,960		$	31,534		$	28,247		$	120,304		$	31,442		$	34,945		$	33,265		$	31,581		$	131,233		$	31,737		$	34,746		$	34,925		$	34,998		$	136,406
Risk-Based Capital Data:
Preferred stock	$	—		$	—		$	—		$	—		$	—		$	191,050		$	191,220		$	191,393		$	—		$	—		$	190,392		$	190,553		$	190,716		$	190,882		$	190,882
Common stock	858			858			858			858			858			858			858			858			858			858			858			858			858			858			858
Additional paid-in capital	413,742			414,665			417,245			418,318			418,318			422,405			424,877			425,647			428,001			428,001			434,704			435,605			436,774			437,550			437,550
Retained earnings	817,630			823,250			773,976			786,453			786,453			794,395			801,723			807,334			810,487			810,487			815,395			819,890			819,157			787,678			787,678
Treasury stock, at cost	(248,610		)	(248,354		)	(249,396		)	(249,076		)	(249,076		)	(260,633		)	(262,097		)	(261,909		)	(263,483		)	(263,483		)	(278,703		)	(278,591		)	(278,243		)	(277,184		)	(277,184		)
Trust preferred securities	64,265			64,265			64,265			59,965			59,965			84,730			84,730			84,730			84,730			84,730			84,730			84,730			84,730			84,730			84,730
Minority interest	—			—			—			—			—			—			—			—			—			—			3			1			1			—			—
Unrealized loss on equity securities
Goodwill and other intangible assets	(282,815		)	(281,981		)	(281,914		)	(281,059		)	(281,059		)	(285,077		)	(284,120		)	(283,163		)	(283,650		)	(283,650		)	(280,477		)	(281,255		)	(287,173		)	(286,033		)	(286,033		)
Disallowed deferred tax assets	(50,602		)	(54,178		)	(86,201		)	(82,979		)	(82,979		)	(43,392		)	(41,363		)	(44,858		)	(52,080		)	(52,080		)	—			(1,761		)	(13,662		)	(41,071		)	(41,071		)
Tier 1 capital	714,468			718,525			638,833			652,480			652,480			904,336			915,828			920,032			724,863			724,863			966,902			970,030			953,158			897,410			897,410
Tier 2 capital	129,330			110,938			111,102			102,784			102,784			130,033			129,595			129,277			129,098			129,098			131,114			130,949			131,564			130,351			130,351
Total capital	$	843,798		$	829,463		$	749,935		$	755,264		$	755,264		$	1,034,369		$	1,045,423		$	1,049,309		$	853,961		$	853,961		$	1,098,016		$	1,100,979		$	1,084,722		$	1,027,761		$	1,027,761
Risk-adjusted assets	$	6,263,673		$	6,409,297		$	6,437,263		$	6,348,523		$	6,348,523		$	6,291,987		$	6,261,928		$	6,244,070		$	6,241,191		$	6,241,191		$	6,372,521		$	6,361,397		$	6,416,082		$	6,317,744		$	6,317,744
Tier 1 common capital	650,203			654,260			574,568			592,515			592,515			626,606			638,098			642,302			640,133			640,133			689,172			692,300			675,428			619,680			619,680
Tangible common equity	689,886			696,571			651,521			659,834			659,834			645,625			664,122			675,747			678,937			678,937			670,291			681,257			679,886			633,012			633,012
Tangible common equity excluding OCI	700,805			708,438			660,769			675,494			675,494			669,998			679,461			687,160			692,213			692,213			689,169			694,060			689,089			660,751			660,751
Adjusted average assets	7,620,776			7,772,866			7,854,202			7,768,967			7,768,967			7,795,603			7,862,447			7,909,645			7,813,637			7,813,637			7,404,963			7,640,068			7,909,998			8,002,186			8,002,186
Total capital to risk-weighted assets	13.47		%	12.94		%	11.65		%	11.90		%	11.90		%	16.44		%	16.69		%	16.80		%	13.68		%	13.68		%	17.23		%	17.31		%	16.91		%	16.27		%	16.27		%
Tier 1 capital to risk-weighted assets	11.41		%	11.21		%	9.92		%	10.28		%	10.28		%	14.37		%	14.63		%	14.73		%	11.61		%	11.61		%	15.17		%	15.25		%	14.86		%	14.20		%	14.20		%
Tier 1 leverage to average assets	9.38		%	9.24		%	8.13		%	8.40		%	8.40		%	11.60		%	11.65		%	11.63		%	9.28		%	9.28		%	13.06		%	12.70		%	12.05		%	11.21		%	11.21		%
Tier 1 common capital to risk-weighted assets	10.38		%	10.21		%	8.93		%	9.33		%	9.33		%	9.96		%	10.19		%	10.29		%	10.26		%	10.26		%	10.81		%	10.88		%	10.53		%	9.81		%	9.81		%
Tangible common equity ratio	8.95		%	8.91		%	8.26		%	8.44		%	8.44		%	8.33		%	8.47		%	8.35		%	8.83		%	8.83		%	9.17		%	9.05		%	8.41		%	8.06		%	8.06		%
Tangible common equity ratio, excluding OCI	9.10		%	9.06		%	8.38		%	8.64		%	8.64		%	8.64		%	8.66		%	8.49		%	9.00		%	9.00		%	9.42		%	9.22		%	8.53		%	8.41		%	8.41		%
Tangible common equity to risk-weighted assets	11.01		%	10.87		%	10.12		%	10.39		%	10.39		%	10.26		%	10.61		%	10.82		%	10.88		%	10.88		%	10.52		%	10.71		%	10.60		%	10.02		%	10.02		%

2012

2011

2010

March 31

June 30

September 30

December 31

Dec. 31/YTD

March 31

June 30

September 30

December 31

Dec. 31/YTD

March 31

June 30

September 30

December 31

Dec. 31/YTD

Asset Quality Performance Data:

Ending loans, excluding covered loans	$	5,137,328		$	5,298,026		$	5,218,345		$	5,189,676		$	5,189,676		$	5,095,543		$	5,112,911		$	5,104,494		$	5,088,113		$	5,088,113		$	5,195,874		$	5,208,347		$	5,164,666		$	5,100,560		$	5,100,560
Average loans, excluding covered loans	5,089,286			5,213,944			5,353,911			5,160,576			5,204,718			5,075,840			5,108,234			5,136,130			5,085,792			5,101,621			5,197,499			5,204,566			5,207,419			5,155,416			5,191,154
Non-performing loans (3):
Commercial and industrial	$	55,158		$	55,358		$	31,102		$	25,941		$	25,941		$	54,561		$	44,393		$	30,507		$	44,152		$	44,152		$	38,095		$	39,942		$	40,955		$	50,088		$	50,088
Agricultural	882			1,293			1,204			1,173			1,173			1,171			1,009			2,977			1,019			1,019			2,532			1,139			3,495			2,497			2,497
Commercial real estate:
Office, retail, and industrial	34,831			46,629			22,624			23,224			23,224			16,753			16,567			24,728			30,043			30,043			18,204			17,170			21,721			19,573			19,573
Multi-family	9,615			8,843			2,028			1,434			1,434			6,787			23,385			18,196			6,487			6,487			8,349			7,904			6,813			6,203			6,203
Residential construction	21,104			17,500			4,750			4,612			4,612			36,326			23,576			20,911			18,076			18,076			93,412			71,148			61,050			52,122			52,122
Commercial construction	20,297			21,981			4,423			873			873			20,980			21,449			15,672			23,347			23,347			20,023			20,457			21,471			28,685			28,685
Other commercial real estate	43,137			34,192			21,284			16,214			16,214			38,732			36,984			45,727			51,447			51,447			21,806			21,950			44,516			40,605			40,605
1-4 family mortgages	5,648			5,466			5,901			4,874			4,874			3,362			4,577			4,648			5,322			5,322			5,826			5,706			3,310			3,902			3,902
Consumer	8,873			7,246			6,263			6,189			6,189			7,891			5,555			7,823			7,432			7,432			7,826			8,273			8,035			8,107			8,107
Total non-accrual loans	199,545			198,508			99,579			84,534			84,534			186,563			177,495			171,189			187,325			187,325			216,073			193,689			211,366			211,782			211,782
90 days or more past due loans	7,674			8,192			12,582			8,689			8,689			5,231			6,502			6,008			9,227			9,227			7,995			6,280			9,136			4,244			4,244
Total non-performing loans	207,219			206,700			112,161			93,223			93,223			191,794			183,997			177,197			196,552			196,552			224,068			199,969			220,502			216,026			216,026
Troubled debt restructurings	2,076			7,811			6,391			6,867			6,867			14,120			14,529			7,033			17,864			17,864			5,168			9,030			11,002			22,371			22,371
Other real estate owned	35,276			28,309			36,487			39,953			39,953			33,863			24,407			23,863			33,975			33,975			62,565			57,023			52,044			31,069			31,069
Total non-performing assets (3)	$	244,571		$	242,820		$	155,039		$	140,043		$	140,043		$	239,777		$	222,933		$	208,093		$	248,391		$	248,391		$	291,801		$	266,022		$	283,548		$	269,466		$	269,466
30-89 days past due loans (3)	$	21,241		$	23,597		$	20,088		$	22,666		$	22,666		$	28,927		$	30,424		$	34,061		$	27,495		$	27,495		$	28,018		$	32,012		$	41,590		$	23,646		$	23,646
Allowance for credit losses:
Allowance for loan losses (3)	$	115,271		$	115,200		$	93,048		$	87,384		$	87,384		$	142,503		$	137,331		$	127,768		$	118,473		$	118,473		$	144,824		$	145,027		$	144,569		$	142,572		$	142,572
Allowance for covered loan losses	993			982			9,397			12,062			12,062			—			—			1,023			989			989			—			—			—			—			—
Reserve for unfunded commitments	2,500			2,500			2,500			3,366			3,366			2,500			2,500			2,500			2,500			2,500			—			450			450			2,500			2,500
Total allowance for credit losses	$	118,764		$	118,682		$	104,945		$	102,812		$	102,812		$	145,003		$	139,831		$	131,291		$	121,962		$	121,962		$	144,824		$	145,477		$	145,019		$	145,072		$	145,072
Provision for loan and covered loan losses	$	18,210		$	22,458		$	111,791		$	5,593		$	158,052		$	19,492		$	18,763		$	20,425		$	21,902		$	80,582		$	18,350		$	21,526		$	33,576		$	73,897		$	147,349
Net charge-offs by category:
Commercial and industrial	$	7,524		$	5,870		$	41,781		$	1,778		$	56,953		$	3,128		$	5,585		$	10,165		$	8,910		$	27,788		$	4,463		$	2,679		$	13,262		$	10,198		$	30,602
Agricultural	(50		)	18			4,531			(177		)	4,322			9			799			177			484			1,469			141			546			489			125			1,301
Commercial real estate:
Office, retail, and industrial	2,665			2,263			29,368			95			34,391			1,183			609			2,543			3,779			8,114			1,644			2,353			2,825			2,888			9,710
Multi-family	9			313			2,755			9			3,086			549			6,652			2,170			4,803			14,174			512			485			222			1,206			2,425
Residential construction	463			3,598			9,242			134			13,437			5,418			899			2,250			2,498			11,065			4,452			9,994			4,460			35,935			54,841
Commercial construction	170			2,616			11,037			100			13,923			261			133			4,115			1,673			6,182			270			115			228			7,743			8,356
Other commercial real estate	8,177			2,934			23,452			1,786			36,349			5,358			2,107			4,421			3,002			14,888			4,449			1,507			10,217			12,202			28,375
1-4 family mortgages	210			250			569			826			1,855			246			340			320			196			1,102			120			261			363			238			982
Consumer	1,966			2,244			2,351			1,710			8,271			2,317			2,703			1,780			2,199			8,999			2,283			2,282			1,979			2,374			8,918
Net charge-offs, excluding covered assets	21,134			20,106			125,086			6,261			172,587			18,469			19,827			27,941			27,544			93,781			18,334			20,222			34,045			72,909			145,510
Charge-offs on covered assets	274			2,434			442			1,465			4,615			1,092			4,108			1,024			3,687			9,911			—			651			(11		)	935			1,575
Total net charge-offs	$	21,408		$	22,540		$	125,528		$	7,726		$	177,202		$	19,561		$	23,935		$	28,965		$	31,231		$	103,692		$	18,334		$	20,873		$	34,034		$	73,844		$	147,085
Asset Quality ratios (3):
Non-accrual loans to loans	3.88		%	3.75		%	1.91		%	1.63		%	1.63		%	3.66		%	3.47		%	3.35		%	3.68		%	3.68		%	4.16		%	3.72		%	4.09		%	4.15		%	4.15		%
Non-performing loans to loans	4.03		%	3.90		%	2.15		%	1.80		%	1.80		%	3.76		%	3.60		%	3.47		%	3.86		%	3.86		%	4.31		%	3.84		%	4.27		%	4.24		%	4.24		%
Non-performing assets to loans plus OREO	4.73		%	4.56		%	2.95		%	2.68		%	2.68		%	4.67		%	4.34		%	4.06		%	4.85		%	4.85		%	5.55		%	5.05		%	5.44		%	5.25		%	5.25		%
Non-performing assets to tangible common equity plus allowance for credit losses	30.24		%	29.78		%	20.50		%	18.36		%	18.36		%	30.33		%	27.73		%	25.78		%	31.01		%	31.01		%	35.80		%	32.18		%	34.37		%	34.63		%	34.63		%
Non-accrual loans to total assets	2.50		%	2.45		%	1.22		%	1.04		%	1.04		%	2.32		%	2.18		%	2.04		%	2.35		%	2.35		%	2.85		%	2.48		%	2.53		%	2.60		%	2.60		%
Allowance for credit losses and net charge-off ratios, excluding covered loans:
Allowance for credit losses to loans	2.29		%	2.22		%	1.83		%	1.75		%	1.75		%	2.85		%	2.73		%	2.55		%	2.38		%	2.38		%	2.79		%	2.79		%	2.81		%	2.84		%	2.84		%
Allowance for credit losses to non-accrual loans	59.02		%	59.29		%	95.95		%	107.35		%	107.35		%	77.72		%	78.78		%	76.10		%	64.58		%	64.58		%	67.03		%	75.11		%	68.61		%	68.50		%	68.50		%
Allowance for credit losses to non-performing loans	56.83		%	56.94		%	85.19		%	97.35		%	97.35		%	75.60		%	76.00		%	73.52		%	61.55		%	61.55		%	64.63		%	72.75		%	65.77		%	67.15		%	67.15		%
Net charge-offs to average net loans (2)	1.67		%	1.55		%	9.29		%	0.48		%	3.32		%	1.48		%	1.56		%	2.16		%	2.15		%	1.84		%	1.43		%	1.56		%	2.59		%	5.61		%	2.80		%
Allowance for credit losses to loans, including covered loans	2.20		%	2.15		%	1.93		%	1.91		%	1.91		%	2.66		%	2.58		%	2.43		%	2.28		%	2.28		%	2.71		%	2.71		%	2.61		%	2.65		%	2.65		%

Footnotes:

(1)	Tax equivalent basis reflects federal and state tax benefits.
(2)	Annualized based on the actual number of days for each period presented.
(3)	Excludes covered loans and covered OREO.