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)

	2009								2008										2007				2006
	Sept. 30 / YTD		3rd Quarter		2nd Quarter		1st Quarter		Dec. 31 /YTD		4th Quarter		3rd Quarter		2nd Quarter		1st Quarter		Dec. 31 /YTD		4th Quarter		Dec. 31 /YTD
Period-End Balance Sheet
Total assets	$	7,678,434	$	7,678,434	$	7,767,312	$	8,252,576	$	8,528,341	$	8,528,341	$	8,246,655	$	8,311,025	$	8,315,368	$	8,091,518	$	8,091,518	$	8,441,526
Securities HTM - amortized cost		83,860		83,860		86,245		81,566		84,306		84,306		85,982		94,580		95,651		97,671		97,671		91,380
Securities AFS - fair market value		1,349,669		1,349,669		1,450,082		1,901,919		2,216,186		2,216,186		2,024,881		2,106,461		2,100,602		2,080,046		2,080,046		2,387,788
FHLB and FRB stock		54,768		54,768		54,768		54,768		54,767		54,767		54,767		54,767		54,767		54,767		54,767		54,886
Loans:
Commercial and industrial		1,484,601		1,484,601		1,457,413		1,508,175		1,490,101		1,490,101		1,485,541		1,448,723		1,396,665		1,347,481		1,347,481		1,413,263
Agricultural		200,955		200,955		210,675		219,178		216,814		216,814		234,755		281,002		257,505		235,498		235,498		158,305
Real estate - office, retail, and industrial		1,151,276		1,151,276		1,117,748		1,086,987		1,025,241		1,025,241		999,319		951,776		908,098		824,078		824,078		895,666
Real estate - residential construction		400,502		400,502		458,913		466,195		509,059		509,059		509,974		510,818		515,052		505,194		505,194		451,186
Real estate - commercial construction		196,198		196,198		204,042		232,675		258,253		258,253		229,492		246,668		255,463		244,904		244,904		209,064
Real estate - multifamily		342,807		342,807		305,976		311,865		286,963		286,963		237,506		218,805		209,087		217,266		217,266		278,009
Real estate - other commercial		858,693		858,693		880,515		832,851		827,651		827,651		776,104		768,308		731,960		804,769		804,769		736,211
Real estate - 1-4 family		138,862		138,862		171,186		185,486		198,197		198,197		205,851		213,295		224,895		220,741		220,741		215,464
Consumer		532,174		532,174		534,303		543,716		547,784		547,784		545,040		542,960		547,040		563,741		563,741		651,776
Total loans		5,306,068		5,306,068		5,340,771		5,387,128		5,360,063		5,360,063		5,223,582		5,182,355		5,045,765		4,963,672		4,963,672		5,008,944
Other Assets:
Other earning assets		94,924		94,924		19,926		14,626		20,584		20,584		15,816		18,060		19,113		19,397		19,397		5,081
Total earning assets		6,889,289		6,889,289		6,951,792		7,440,007		7,735,906		7,735,906		7,405,028		7,456,223		7,315,898		7,215,947		7,215,947		7,552,839
Bank owned life insurance		197,681		197,681		197,564		199,070		198,533		198,533		207,390		206,132		203,987		203,535		203,535		196,598
Goodwill and other intangibles		281,614		281,614		282,592		283,570		284,548		284,548		285,643		286,737		287,141		288,235		288,235		292,658
Deposits:
Demand deposits		1,069,870		1,069,870		1,058,553		1,046,660		1,040,763		1,040,763		1,056,905		1,077,659		1,060,545		1,064,684		1,064,684		1,124,081
Interest bearing deposits		4,679,283		4,679,283		4,708,103		4,461,722		4,544,991		4,544,991		4,601,379		4,707,504		4,661,017		4,714,177		4,714,177		5,043,135
Total deposits		5,749,153		5,749,153		5,766,656		5,508,382		5,585,754		5,585,754		5,658,284		5,785,163		5,721,562		5,778,861		5,778,861		6,167,216
Fed funds purchased and repurchase agreements		265,917		265,917		566,794		685,016		737,598		737,598		928,966		676,571		569,662		665,164		665,164		612,608
Other borrowed funds		450,382		450,382		225,382		850,736		960,736		960,736		625,737		813,337		844,064		599,064		599,064		569,660
Subordinated debt		157,717		157,717		232,342		232,375		232,409		232,409		232,442		232,476		232,509		230,082		230,082		228,674
Stockholders’ equity		983,579		983,579		892,053		903,612		908,279		908,279		718,909		724,034		737,927		723,975		723,975		751,014
Stockholders’ equity, excluding OCI		999,796		999,796		941,535		941,082		926,321		926,321		770,716		759,983		747,260		735,702		735,702		766,302
Stockholders’ equity, common		790,579		790,579		699,053		710,612		715,949		715,949		718,909		724,034		737,927		723,975		723,975		751,014
Stockholders’ equity, common excluding OCI		806,796		806,796		748,535		748,082		733,991		733,991		770,716		759,983		747,260		735,702		735,702		766,302
Stockholders’ equity, preferred		193,000		193,000		193,000		193,000		192,330		192,330		—		—		—		—		—		—
Average Balance Sheet
Total assets	$	8,165,187	$	7,877,055	$	8,195,690	$	8,428,879	$	8,225,440	$	8,365,535	$	8,275,818	$	8,187,594	$	8,070,724	$	8,091,333	$	7,920,731	$	8,255,764
Securities - HTM taxable		7,473		7,396		7,454		7,571		7,670		7,575		7,647		7,701		7,756		9,450		8,170		9,848
Securities - HTM tax-exempt		77,340		77,470		79,129		75,398		84,718		78,089		82,213		90,682		87,991		88,099		81,814		91,046
Securities - AFS taxable		971,220		711,552		990,358		1,217,308		1,171,264		1,195,909		1,192,899		1,162,348		1,133,390		1,268,389		1,140,075		1,456,220
Securities - AFS tax-exempt		807,552		721,872		810,485		892,169		936,933		917,418		931,565		943,278		955,745		906,905		915,398		998,727
FHLB and FRB stock		54,768		54,768		54,768		54,768		54,767		54,767		54,767		54,767		54,767		54,774		54,767		59,056
Total loans		5,363,905		5,346,769		5,366,393		5,378,905		5,149,879		5,275,981		5,205,188		5,097,586		5,018,767		4,943,479		4,921,210		4,869,360
Other earning assets		119,812		210,667		129,716		16,921		35,310		58,231		24,868		37,327		20,676		30,507		26,955		10,892
Total earning assets		7,402,070		7,130,494		7,438,303		7,643,040		7,440,541		7,587,970		7,499,147		7,393,689		7,279,092		7,301,603		7,148,389		7,495,149
Deposits:
Demand deposits		1,043,047		1,056,188		1,044,033		1,028,617		1,043,972		1,043,596		1,053,530		1,053,339		1,025,320		1,055,251		1,050,954		1,052,413
Savings deposits		753,580		749,995		762,375		748,350		792,524		748,065		784,646		823,196		814,764		754,009		788,526		653,321
NOW accounts		994,895		1,062,708		1,026,432		893,687		935,429		923,643		983,364		953,808		880,505		900,956		885,966		924,539
Money market deposits		889,852		995,132		903,728		768,202		787,218		737,658		770,967		818,815		822,154		859,864		854,409		867,775
Core transactional deposits		3,681,374		3,864,023		3,736,568		3,438,856		3,559,143		3,452,962		3,592,507		3,649,158		3,542,743		3,570,080		3,579,855		3,498,048
Time deposits > $100,000		1,236,562		1,225,893		741,356		698,301		802,500		738,486		839,495		830,166		802,149		827,907		810,802		746,036
Time deposits < $100,000		762,111		712,552		1,247,992		1,371,370		1,369,879		1,444,120		1,330,535		1,331,445		1,373,034		1,491,995		1,429,534		1,683,866
Total time deposits		1,998,673		1,938,445		1,989,348		2,069,671		2,172,379		2,182,606		2,170,030		2,161,611		2,175,183		2,319,902		2,240,336		2,429,902
Total deposits		5,680,047		5,802,468		5,725,916		5,508,527		5,731,522		5,635,568		5,762,537		5,810,769		5,717,926		5,889,982		5,820,191		5,927,950
FFP, repos, other borrowed funds		1,272,738		870,397		1,261,949		1,694,928		1,438,908		1,638,037		1,476,403		1,331,195		1,307,398		1,131,700		1,046,041		1,339,826
Subordinated debt		230,460		226,693		232,358		232,391		231,961		232,425		232,458		232,492		230,458		227,756		227,973		206,449
Total funding sources		7,183,245		6,899,558		7,220,223		7,435,846		7,402,391		7,506,030		7,471,398		7,374,456		7,255,782		7,249,438		7,094,205		7,474,225
Stockholders’ equity		908,828		905,347		907,421		913,809		764,731		845,755		735,022		745,128		732,458		750,111		738,664		695,020
Stockholders’ equity, common		715,828		712,347		714,421		720,809		750,497		789,128		735,022		745,128		732,458		750,111		738,664		695,020
Stockholders’ equity, preferred		193,000		193,000		193,000		193,000		14,234		56,627		—		—		—		—		—		—

First Midwest Bancorp, Inc.

Selected Financial Information

(Amounts in thousands, except per share data)

	2009												2008															2007						2006
	Sept. 30 / YTD			3rd Quarter			2nd Quarter			1st Quarter			Dec. 31 /YTD			4th Quarter			3rd Quarter			2nd Quarter			1st Quarter			Dec. 31 /YTD			4th Quarter			Dec. 31 /YTD
Income Statement
Interest income	$	259,381		$	82,762		$	85,139		$	91,480		$	409,207		$	97,933		$	101,486		$	101,313		$	108,475		$	476,961		$	114,611		$	476,409
Interest expense		73,790			21,781			24,748			27,261			162,610			32,920			38,728			40,987			49,975			236,832			56,513			224,550
Net interest income		185,591			60,981			60,391			64,219			246,597			65,013			62,758			60,326			58,500			240,129			58,098			251,859
Loan loss provision		122,672			38,000			36,262			48,410			70,254			42,385			13,029			5,780			9,060			7,233			2,042			10,229
Service charges on deposit accounts		28,777			10,046			9,687			9,044			44,987			11,206			11,974			11,385			10,422			45,015			11,986			40,036
Trust and investment management fees		10,355			3,555			3,471			3,329			15,130			3,420			3,818			3,945			3,947			15,701			4,061			14,269
Other service charges, commissions, and fees		12,249			4,222			4,021			4,006			18,846			4,554			4,834			4,456			5,002			22,183			5,324			20,135
Card-based fees		11,826			4,023			4,048			3,755			16,143			3,868			4,141			4,236			3,898			15,925			3,979			13,777
Subtotal, total fee-based revenue		63,207			21,846			21,227			20,134			95,106			23,048			24,767			24,022			23,269			98,824			25,350			88,217
Bank owned life insurance income		1,982			282			1,159			541			(2,369	)		(8,858	)		1,882			2,145			2,462			8,033			2,117			7,616
Security (losses) gains, net		7,882			(6,975	)		6,635			8,222			(35,611	)		(34,215	)		(1,746	)		(4,618	)		4,968			(50,801	)		(50,041	)		4,269
Gains on early extinguishment of debt		13,991			13,991			—			—			—			—			—			—			—			—			—			—
Other income		4,193			1,946			2,373			(126	)		(3,119	)		(2,104	)		(1,209	)		874			(680	)		4,197			109			3,181
Total noninterest income		91,255			31,090			31,394			28,771			54,007			(22,129	)		23,694			22,423			30,019			60,253			(22,465	)		103,283
Salaries and employee benefits		78,956			27,416			28,229			23,311			99,910			20,356			26,996			26,368			26,190			111,598			27,686			106,201
Occupancy and equipment expense		24,063			7,837			7,389			8,837			33,334			8,421			8,216			7,979			8,718			32,594			8,224			30,380
FDIC insurance		10,953			2,558			6,034			2,361			1,065			301			261			251			252			747			173			763
Other real estate expense, net		7,766			3,461			3,301			1,004			3,409			1,289			637			1,165			318			972			533			843
Other intangibles amortization		2,935			979			978			978			4,378			1,095			1,094			1,095			1,094			4,423			1,106			4,039
Acquisition and restructure charges		—			—			—			—			—			—			—			—			—			36			—			1,753
Other expenses		39,594			14,389			13,302			11,903			52,209			15,119			11,232			13,087			12,771			48,767			12,542			48,636
Total noninterest expense		164,267			56,640			59,233			48,394			194,305			46,581			48,436			49,945			49,343			199,137			50,264			192,615
Pre-tax earnings		(10,093	)		(2,569	)		(3,710	)		(3,814	)		36,045			(46,082	)		24,987			27,024			30,116			94,012			(16,673	)		152,298
Income taxes		(21,834	)		(5,920	)		(6,373	)		(9,541	)		(13,291	)		(19,192	)		796			27			5,078			13,853			(11,255	)		35,052
Net income	$	11,741		$	3,351		$	2,663		$	5,727		$	49,336		$	(26,890	)	$	24,191		$	26,997		$	25,038		$	80,159		$	(5,418	)	$	117,246
Net income applicable to common shares	$	3,991		$	773		$	63		$	3,155		$	48,482		$	(27,568	)	$	24,149		$	26,922		$	24,979		$	80,094		$	(5,414	)	$	117,189
Basic earnings per common share	$	0.08		$	0.02		$	0.00		$	0.07		$	1.00		$	(0.57	)	$	0.50		$	0.56		$	0.52		$	1.62		$	(0.11	)	$	2.39
Diluted earnings per common share	$	0.08		$	0.02		$	0.00		$	0.07		$	1.00		$	(0.57	)	$	0.50		$	0.55		$	0.51		$	1.62		$	(0.11	)	$	2.37
Weighted average shares outstanding		48,647			48,942			48,501			48,493			48,462			48,487			48,470			48,459			48,433			49,295			48,525			49,102
Weighted average diluted shares outstanding		48,647			48,942			48,501			48,493			48,515			48,508			48,499			48,519			48,537			49,586			48,711			49,463
Tax equivalent adjustment(1)	$	15,210		$	4,691		$	5,091		$	5,428		$	22,225		$	5,496		$	5,572		$	5,603		$	5,554		$	20,906		$	5,236		$	23,551
Net interest income (FTE)(1)	$	200,801		$	65,672		$	65,482		$	69,647		$	268,822		$	70,509		$	68,330		$	65,929		$	64,054		$	261,035		$	63,334		$	275,410
Common stock and related per common share data:
Book value	$	14.43		$	14.43		$	14.22		$	14.61		$	14.72		$	14.72		$	14.80		$	14.90		$	15.20		$	14.94		$	14.94		$	15.01
Tangible book value		9.29			9.29			8.47			8.78			8.87			8.87			8.92			9.00			9.28			8.99			8.99			9.16
Dividends declared per share		0.030			0.010			0.010			0.010			1.155			0.225			0.310			0.310			0.310			1.195			0.310			1.120
Market price - period high		20.25			11.64			12.00			20.25			40.09			28.97			40.09			29.36			31.98			39.31			36.50			39.52
Market price - period low		5.94			6.19			5.94			5.96			13.56			13.65			13.56			18.65			24.38			29.67			29.67			32.62
Closing price at period end	$	11.27		$	11.27		$	7.31		$	8.59		$	19.97		$	19.97		$	24.24		$	18.65		$	27.77		$	30.60		$	30.60		$	38.68
Closing price to book value		0.8			0.8			0.5			0.6			1.4			1.4			1.6			1.3			1.8			2.0			2.0			2.6
Period end shares outstanding		54,800			54,800			49,161			48,628			48,630			48,630			48,590			48,584			48,561			48,453			48,453			50,025
Period end treasury shares		12,169			12,169			12,165			12,698			12,696			12,696			12,736			12,742			12,765			12,873			12,873			11,301
Number of shares repurchased		—			—			—			—			5			—			—			1			4			1,767			297			23
Common dividends	$	1,528		$	556		$	486		$	486		$	56,206		$	10,955		$	15,088		$	15,084		$	15,079		$	58,765		$	15,045		$	56,033
Preferred dividends	$	7,237		$	2,412		$	2,413		$	2,412		$	670		$	670		$	—		$	—		$	—		$	—		$	—		$	13,736
Other Key Ratios/Data:
Return on average common equity(2)		0.75	%		0.43	%		0.04	%		1.78	%		6.46	%		-13.90	%		13.07	%		14.53	%		13.72	%		10.68	%		-2.91	%		16.86	%
Return on average assets(2)		0.19	%		0.17	%		0.13	%		0.28	%		0.60	%		-1.28	%		1.16	%		1.33	%		1.25	%		0.99	%		-0.27	%		1.42	%
Net interest margin(1)		3.62	%		3.66	%		3.53	%		3.67	%		3.61	%		3.71	%		3.63	%		3.58	%		3.53	%		3.58	%		3.53	%		3.67	%
Yield on average earning assets(1)		4.96	%		4.88	%		4.86	%		5.12	%		5.80	%		5.43	%		5.69	%		5.81	%		6.29	%		6.82	%		6.67	%		6.67	%
Cost of funds		1.61	%		1.48	%		1.61	%		1.73	%		2.56	%		2.03	%		2.40	%		2.61	%		3.23	%		3.82	%		3.71	%		3.50	%
Efficiency ratio(1)		57.64	%		59.13	%		61.45	%		52.33	%		53.49	%		59.06	%		50.30	%		51.67	%		54.02	%		52.50	%		53.87	%		50.53	%

Net noninterest expense ratio(2)	1.55	%	1.64	%	1.69	%	1.34	%	1.27	%	1.64	%	1.11	%	1.13	%	1.21	%	1.09	%	1.14	%	1.13	%
Effective income tax rate	216.3	%	230.4	%	171.8	%	250.2	%	-36.9	%	41.6	%	3.2	%	0.1	%	16.9	%	14.7	%	67.5	%	23.0	%
Full time equivalent employees - end of period	1,751		1,751		1,766		1,767		1,809		1,809		1,792		1,828		1,833		1,856		1,856		1,892
Number of bank offices	94		94		94		97		97		97		98		98		99		99		99		99
Number of automated teller machines	127		127		128		130		129		129		130		130		131		131		131		130

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

First Midwest Bancorp, Inc.

Selected Financial Information

(Amounts in thousands, except per share data)

	2009												2008															2007						2006
	Sept. 30 / YTD			3rd Quarter			2nd Quarter			1st Quarter			Dec. 31 /YTD			4th Quarter			3rd Quarter			2nd Quarter			1st Quarter			Dec. 31 /YTD			4th Quarter			Dec. 31 /YTD
Parent Company Data:
Parent investment in subsidiaries - end of period	$	947,040		$	947,040		$	915,129		$	921,904		$	921,548		$	921,548		$	910,987		$	897,482		$	893,182		$	861,841		$	861,841		$	887,908
Risk-Based Capital Data:
Tier 1 capital	$	803,023		$	803,023		$	784,008		$	782,385		$	766,758		$	766,758		$	610,048		$	598,238		$	585,181		$	572,553		$	572,553		$	598,755
Tier 2 capital		149,073			149,073			179,709			182,844			182,675			182,675			169,727			166,018			164,690			161,708			161,708			162,266
Total capital		952,096			952,096			963,717			965,229			949,433			949,433			779,775			764,256			749,871			734,261			734,261			761,021
Risk-adjusted assets	$	6,234,283		$	6,234,283		$	6,335,010		$	6,600,684		$	6,609,359		$	6,609,359		$	6,475,903		$	6,436,784		$	6,448,210		$	6,340,614		$	6,340,614		$	6,259,983
Tier 1 capital / risk-based assets		12.88	%		12.88	%		12.38	%		11.85	%		11.60	%		11.60	%		9.42	%		9.29	%		9.08	%		9.03	%		9.03	%		9.56	%
Tier 1 common capital / risk-based assets		8.43	%		8.43	%		7.36	%		7.04	%		6.79	%		6.79	%		7.49	%		7.35	%		7.14	%		7.06	%		7.06	%		7.57	%
Total capital / risk-based assets		15.27	%		15.27	%		15.21	%		14.62	%		14.36	%		14.36	%		12.04	%		11.87	%		11.63	%		11.58	%		11.58	%		12.16	%
Leverage ratio		10.52	%		10.52	%		9.87	%		9.60	%		9.41	%		9.41	%		7.59	%		7.56	%		7.51	%		7.46	%		7.46	%		7.29	%
Tangible common equity ratio		6.88	%		6.88	%		5.56	%		5.36	%		5.23	%		5.23	%		5.44	%		5.45	%		5.62	%		5.58	%		5.58	%		5.62	%
Tangible common equity ratio, excluding OCI		7.10	%		7.10	%		6.23	%		5.83	%		5.45	%		5.45	%		6.09	%		5.90	%		5.73	%		5.73	%		5.73	%		5.81	%
Tangible common equity / risk-based assets		8.16	%		8.16	%		6.57	%		6.47	%		6.53	%		6.53	%		6.69	%		6.79	%		6.99	%		6.87	%		6.87	%		7.32	%
Asset Quality Performance Data:
Non-accrual loans:
Commercial	$	45,134		$	45,134		$	41,542		$	33,245		$	15,586		$	15,586		$	13,961		$	5,222		$	6,770		$	9,128		$	9,128		$	8,803
Agricultural		2,384			2,384			452			12			12			12			12			12			12			362			362			18
Real estate - office, retail, and industrial		15,738			15,738			13,058			12,769			2,533			2,533			1,195			1,125			730			552			552			—
Real estate - residential construction		138,593			138,593			143,231			107,766			97,060			97,060			28,335			11,664			4,081			107			107			720
Real estate - multifamily		15,910			15,910			10,632			6,989			1,387			1,387			2,827			3,016			1,361			3,480			3,480			1,918
Real estate - other commercial		25,818			25,818			21,262			16,013			6,914			6,914			1,833			873			243			1,439			1,439			1,245
Real estate - 1-4 family		4,975			4,975			1,034			1,756			857			857			795			671			909			583			583			1,413
Consumer		8,253			8,253			6,042			4,991			3,419			3,419			4,359			2,653			2,967			2,796			2,796			2,092
Total non-accrual loans		256,805			256,805			237,253			183,541			127,768			127,768			53,317			25,236			17,073			18,447			18,447			16,209
Loans past due 90 days and still accruing		5,960			5,960			26,071			73,929			36,999			36,999			37,316			37,510			33,479			21,149			21,149			12,810
Total non-accrual plus 90 days past dues		262,765			262,765			263,324			257,470			164,767			164,767			90,633			62,746			50,552			39,596			39,596			29,019
Restructured, accruing loans		26,718			26,718			18,877			1,063			7,344			7,344			3,731			2,061			1,942			7,391			7,391			—
Total non-performing loans		289,483			289,483			282,201			258,533			172,111			172,111			94,364			64,807			52,494			46,987			46,987			29,019
Other real estate owned		57,945			57,945			50,640			38,984			24,368			24,368			23,697			7,042			8,607			6,053			6,053			2,727
Loans past due 30-89 days and still accruing		44,346			44,346			38,128			54,311			116,206			116,206			104,769			185,186			116,431			100,820			100,820			88,568
Reserve for loan losses (RLL):
RLL	$	134,269		$	134,269		$	127,528		$	116,001		$	93,869		$	93,869		$	69,811		$	66,104		$	64,780		$	61,800		$	61,800		$	62,370
Loan loss provision		122,672			38,000			36,262			48,410			70,254			42,385			13,029			5,780			9,060			7,233			2,042			10,229
Net charge-offs by category:
Commercial		31,684			12,585			7,006			12,093			13,026			5,601			1,899			2,338			3,188			4,925			534			5,792
Agricultural		—			—			—			—			38			—			(4	)		42			—			10			10			(9	)
Real estate - office, retail, and industrial		4,591			3,496			217			878			732			699			2			31			—			—			—			—
Real estate - residential construction		24,327			5,181			8,427			10,719			15,780			9,227			5,856			138			559			231			17			—
Real estate - multifamily		1,158			29			1,086			43			1,796			164			(40	)		830			842			490			372			1,050
Real estate - other commercial		9,666			6,400			3,197			69			1,248			397			62			116			673			(34	)		(21	)		344
Real estate - 1-4 family		762			216			326			220			576			57			239			104			176			145			—			138
Consumer		10,084			3,352			4,476			2,256			4,989			2,182			1,308			857			642			2,036			742			2,872
Total net charge-offs		82,272			31,259			24,735			26,278			38,185			18,327			9,322			4,456			6,080			7,803			1,654			10,187
Asset Quality ratios:
Non-accrual loans / loans		4.84	%		4.84	%		4.44	%		3.41	%		2.38	%		2.38	%		1.02	%		0.49	%		0.34	%		0.37	%		0.37	%		0.32	%
Non-accrual + 90-day past due loans / loans		4.95	%		4.95	%		4.93	%		4.78	%		3.07	%		3.07	%		1.74	%		1.21	%		1.00	%		0.80	%		0.80	%		0.58	%
Non-performing loans / loans		5.46	%		5.46	%		5.28	%		4.80	%		3.21	%		3.21	%		1.81	%		1.25	%		1.04	%		0.95	%		0.95	%		0.58	%
Non-accrual loans / total assets		3.34	%		3.34	%		3.05	%		2.22	%		1.50	%		1.50	%		0.65	%		0.30	%		0.21	%		0.23	%		0.23	%		0.19	%
Loan loss ratios:
RLL / loans		2.53	%		2.53	%		2.39	%		2.15	%		1.75	%		1.75	%		1.34	%		1.28	%		1.28	%		1.25	%		1.25	%		1.25	%
RLL / non-accrual loans		52.28	%		52.28	%		53.75	%		63.20	%		73.47	%		73.47	%		130.94	%		261.94	%		379.43	%		335.01	%		335.01	%		384.79	%
RLL / non-accrual + 90-day past due loans		51.10	%		51.10	%		48.43	%		45.05	%		56.97	%		56.97	%		77.03	%		105.35	%		128.15	%		156.08	%		156.08	%		214.93	%
RLL / non-performing loans		46.38	%		46.38	%		45.19	%		44.87	%		54.54	%		54.54	%		73.98	%		102.00	%		123.40	%		131.53	%		131.53	%		214.93	%
Net charge-offs to average net loans		2.05	%		2.32	%		1.85	%		1.98	%		0.74	%		1.38	%		0.71	%		0.35	%		0.49	%		0.16	%		0.13	%		0.21	%

Footnotes:

(1) Tax equivalent basis reflects federal and state tax benefits.

(2) Annualized based on the number of days outstanding for each period presented.