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)

	2010						2009										2008						2007
	June 30/YTD		2nd Quarter		1st Quarter		Dec. 31/YTD		4th Quarter		3rd Quarter		2nd Quarter		1st Quarter		Dec. 31/YTD		4th Quarter		3rd Quarter		Dec. 31/YTD
Period-End Balance Sheet
Total assets	$	7,805,089	$	7,805,089	$	7,592,907	$	7,710,672	$	7,710,672	$	7,678,434	$	7,767,312	$	8,252,576	$	8,528,341	$	8,528,341	$	8,246,655	$	8,091,518
Securities HTM - amortized cost		87,843		87,843		90,449		84,182		84,182		83,860		86,245		81,566		84,306		84,306		85,982		97,671
Securities AFS - fair market value		1,090,109		1,090,109		1,152,039		1,266,760		1,266,760		1,349,669		1,450,082		1,901,919		2,216,186		2,216,186		2,024,881		2,080,046
FHLB and FRB stock		59,864		59,864		59,428		56,428		56,428		54,768		54,768		54,768		54,767		54,767		54,767		54,767
Loans:
Commercial and industrial		1,494,119		1,494,119		1,454,714		1,438,063		1,438,063		1,484,601		1,457,413		1,508,175		1,490,101		1,490,101		1,485,541		1,347,481
Agricultural		199,597		199,597		200,527		209,945		209,945		200,955		210,675		219,178		216,814		216,814		234,755		235,498
Real estate - office, retail, and industrial		1,220,191		1,220,191		1,239,583		1,212,965		1,212,965		1,151,276		1,117,748		1,086,987		1,025,241		1,025,241		999,319		824,078
Real estate - residential construction		241,094		241,094		276,322		313,919		313,919		400,502		458,913		466,195		509,059		509,059		509,974		505,194
Real estate - commercial construction		107,572		107,572		138,994		134,680		134,680		196,198		204,042		232,675		258,253		258,253		229,492		244,904
Real estate - commercial land		94,469		94,469		94,668		96,838		96,838		105,264		121,383		107,540		98,322		98,322		92,658		143,289
Real estate - multifamily		369,281		369,281		348,178		333,961		333,961		342,807		305,976		311,865		286,963		286,963		237,506		217,266
Real estate - other commercial		831,723		831,723		790,502		798,983		798,983		753,429		759,132		725,311		729,329		729,329		683,446		661,480
Real estate - 1-4 family		145,457		145,457		139,840		139,983		139,983		138,862		171,186		185,486		198,197		198,197		205,851		220,741
Consumer		504,844		504,844		512,546		523,909		523,909		532,174		534,303		543,716		547,784		547,784		545,040		563,741
Total loans		5,208,347		5,208,347		5,195,874		5,203,246		5,203,246		5,306,068		5,340,771		5,387,128		5,360,063		5,360,063		5,223,582		4,963,672
Other Assets:
Covered assets		251,572		251,572		207,609		223,245		223,245		—		—		—		—		—		—		—
Bank owned life insurance		198,399		198,399		198,201		197,962		197,962		197,681		197,564		199,070		198,533		198,533		207,390		203,535
Goodwill and other intangibles		281,255		281,255		280,477		281,479		281,479		281,614		282,592		283,570		284,548		284,548		285,643		288,235
Deposits:
Demand deposits		1,188,356		1,188,356		1,129,777		1,133,756		1,133,756		1,069,870		1,058,553		1,046,660		1,040,763		1,040,763		1,056,905		1,064,684
Interest bearing deposits		4,935,209		4,935,209		4,734,327		4,751,523		4,751,523		4,679,283		4,708,103		4,461,722		4,544,991		4,544,991		4,601,379		4,714,177
Total deposits		6,123,565		6,123,565		5,864,104		5,885,279		5,885,279		5,749,153		5,766,656		5,508,382		5,585,754		5,585,754		5,658,284		5,778,861
Fed funds purchased and repurchase agreements		191,036		191,036		194,355		238,390		238,390		265,917		566,794		685,016		737,598		737,598		928,966		665,164
Other borrowed funds		137,434		137,434		147,808		452,786		452,786		450,382		225,382		850,736		960,736		960,736		625,737		599,064
Subordinated debt		137,739		137,739		137,737		137,735		137,735		157,717		232,342		232,375		232,409		232,409		232,442		230,082
Stockholders’ equity		1,155,512		1,155,512		1,143,768		941,521		941,521		983,579		892,053		903,612		908,279		908,279		718,909		723,975
Stockholders’ equity, excluding OCI		1,168,315		1,168,315		1,162,646		960,187		960,187		999,796		941,535		941,082		926,321		926,321		770,716		735,702
Stockholders’ equity, common		962,512		962,512		950,768		748,521		748,521		790,579		699,053		710,612		715,949		715,949		718,909		723,975
Stockholders’ equity, common excluding OCI		975,315		975,315		969,646		767,187		767,187		806,796		748,535		748,082		733,991		733,991		770,716		735,702
Stockholders’ equity, preferred		193,000		193,000		193,000		193,000		193,000		193,000		193,000		193,000		192,330		192,330		—		—
Average Balance Sheet
Total assets	$	7,786,235	$	7,905,364	$	7,665,781	$	8,064,109	$	7,764,163	$	7,877,055	$	8,195,690	$	8,428,879	$	8,225,440	$	8,365,535	$	8,275,818	$	8,091,333
Securities - HTM taxable		11,422		14,736		8,072		8,520		11,625		7,396		7,454		7,571		7,670		7,575		7,647		9,450
Securities - HTM tax-exempt		77,655		77,490		77,821		77,464		77,834		77,470		79,129		75,398		84,718		78,089		82,213		88,099
Securities - AFS taxable		534,337		494,373		574,746		890,848		652,354		711,552		990,358		1,217,308		1,171,264		1,195,909		1,192,899		1,268,389
Securities - AFS tax-exempt		632,494		626,856		638,193		770,380		660,076		721,872		810,485		892,169		936,933		917,418		931,565		906,905
FHLB and FRB stock		59,130		59,758		58,495		55,081		56,013		54,768		54,768		54,768		54,767		54,767		54,767		54,774
Total loans		5,201,052		5,204,566		5,197,499		5,348,979		5,304,690		5,346,769		5,366,393		5,378,905		5,149,879		5,275,981		5,205,188		4,943,479
Covered loans		221,355		233,907		208,663		28,049		111,281		—		—		—		—		—		—		—
Other earning assets		185,594		314,480		55,275		102,801		52,324		210,667		129,716		16,921		35,310		58,231		24,868		30,507
Total earning assets		6,923,039		7,026,166		6,818,764		7,282,122		6,926,197		7,130,494		7,438,303		7,643,040		7,440,541		7,587,970		7,499,147		7,301,603
Deposits:
Demand deposits		1,152,865		1,181,097		1,124,320		1,061,208		1,115,096		1,056,188		1,044,033		1,028,617		1,043,972		1,043,596		1,053,530		1,055,251
Savings deposits		781,690		803,353		759,786		751,386		744,876		749,995		762,375		748,350		792,524		748,065		784,646		754,009
NOW accounts		1,040,362		1,157,246		922,179		984,529		953,772		1,062,708		1,026,432		893,687		935,429		923,643		983,364		900,956
Money market deposits		1,133,329		1,155,889		1,110,519		937,766		1,079,943		995,132		903,728		768,202		787,218		737,658		770,967		859,864
Core transactional deposits		4,108,246		4,297,585		3,916,804		3,734,889		3,893,687		3,864,023		3,736,568		3,438,856		3,559,143		3,452,962		3,592,507		3,570,080
Time deposits > $100,000		647,601		645,624		649,600		703,487		677,171		697,421		741,356		698,301		802,500		738,486		839,495		827,907
Time deposits < $100,000		1,288,718		1,270,492		1,307,145		1,297,720		1,331,556		1,241,024		1,247,992		1,371,370		1,369,879		1,444,120		1,330,535		1,491,995
Total time deposits		1,936,319		1,916,116		1,956,745		2,001,207		2,008,727		1,938,445		1,989,348		2,069,671		2,172,379		2,182,606		2,170,030		2,319,902
Total deposits		6,044,565		6,213,701		5,873,549		5,736,096		5,902,414		5,802,468		5,725,916		5,508,527		5,731,522		5,635,568		5,762,537		5,889,982
FFP, repos, other borrowed funds		409,694		342,808		477,323		1,118,792		661,976		870,397		1,261,949		1,694,928		1,438,908		1,638,037		1,476,403		1,131,700
Subordinated debt		137,737		137,738		137,736		208,621		143,816		226,693		232,358		232,391		231,961		232,425		232,458		227,756
Total funding sources		6,591,996		6,694,247		6,488,608		7,063,509		6,708,206		6,899,558		7,220,223		7,435,846		7,402,391		7,506,030		7,471,398		7,249,438
Stockholders’ equity		1,136,220		1,152,394		1,119,866		927,673		983,595		905,347		907,421		913,809		764,731		845,755		735,022		750,111
Stockholders’ equity, common		943,220		959,394		926,866		734,673		790,595		712,347		714,421		720,809		750,497		789,128		735,022		750,111
Stockholders’ equity, preferred		193,000		193,000		193,000		193,000		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)

	2010									2009															2008									2007
	June 30/YTD			2nd Quarter			1st Quarter			Dec. 31/YTD			4th Quarter			3rd Quarter			2nd Quarter			1st Quarter			Dec. 31/YTD			4th Quarter			3rd Quarter			Dec. 31/YTD
Income Statement
Interest income	$	164,053		$	82,274		$	81,779		$	341,751		$	82,370		$	82,762		$	85,139		$	91,480		$	409,207		$	97,933		$	101,486		$	476,961
Interest expense		26,496			12,655			13,841			90,219			16,429			21,781			24,748			27,261			162,610			32,920			38,728			236,832
Net interest income		137,557			69,619			67,938			251,532			65,941			60,981			60,391			64,219			246,597			65,013			62,758			240,129
Loan loss provision		39,876			21,526			18,350			215,672			93,000			38,000			36,262			48,410			70,254			42,385			13,029			7,233
Service charges on deposit accounts		17,433			9,052			8,381			38,754			9,977			10,046			9,687			9,044			44,987			11,206			11,974			45,015
Trust and investment management fees		7,295			3,702			3,593			14,059			3,704			3,555			3,471			3,329			15,130			3,420			3,818			15,701
Other service charges, commissions, and fees		8,800			4,628			4,172			16,529			4,280			4,222			4,021			4,006			18,846			4,554			4,834			22,183
Card-based fees		8,390			4,497			3,893			15,826			4,000			4,023			4,048			3,755			16,143			3,868			4,141			15,925
Subtotal, total fee-based revenue		41,918			21,879			20,039			85,168			21,961			21,846			21,227			20,134			95,106			23,048			24,767			98,824
Bank owned life insurance income		597			349			248			2,263			281			282			1,159			541			(2,369	)		(8,858	)		1,882			8,033
Security (losses) gains, net		4,178			1,121			3,057			2,110			(5,772	)		(6,975	)		6,635			8,222			(35,611	)		(34,215	)		(1,746	)		(50,801	)
Gain on FDIC-assisted transaction		4,303			4,303			—			13,071			13,071			—			—			—			—			—			—			—
Gains on early extinguishment of debt		—			—			—			15,258			1,267			13,991			—			—			—			—			—			—
Other income		635			(342	)		977			5,132			939			1,946			2,373			(126	)		(3,119	)		(2,104	)		(1,209	)		4,197
Total noninterest income		51,631			27,310			24,321			123,002			31,747			31,090			31,394			28,771			54,007			(22,129	)		23,694			60,253
Salaries and employee benefits		53,424			26,540			26,884			106,548			27,592			27,416			28,229			23,311			99,910			20,356			26,996			111,598
Occupancy and equipment expense		15,976			7,808			8,168			31,724			7,661			7,837			7,389			8,837			33,334			8,421			8,216			32,594
FDIC insurance		5,078			2,546			2,532			13,673			2,720			2,558			6,034			2,361			1,065			301			261			747
Other real estate expense, net		22,637			11,850			10,787			23,459			15,693			3,461			3,301			1,004			3,409			1,289			637			972
Other intangibles amortization		2,032			1,029			1,003			3,929			994			979			978			978			4,378			1,095			1,094			4,423
Acquisition and restructure charges		—			—			—			—			—			—			—			—			—			—			—			36
Other expenses		33,781			17,682			16,099			55,455			15,861			14,389			13,302			11,903			52,209			15,119			11,232			48,767
Total noninterest expense		132,928			67,455			65,473			234,788			70,521			56,640			59,233			48,394			194,305			46,581			48,436			199,137
Pre-tax earnings		16,384			7,948			8,436			(75,926	)		(65,833	)		(2,569	)		(3,710	)		(3,814	)		36,045			(46,082	)		24,987			94,012
Income taxes		494			139			355			(50,176	)		(28,342	)		(5,920	)		(6,373	)		(9,541	)		(13,291	)		(19,192	)		796			13,853
Net income	$	15,890		$	7,809		$	8,081		$	(25,750	)	$	(37,491	)	$	3,351		$	2,663		$	5,727		$	49,336		$	(26,890	)	$	24,191		$	80,159
Net income applicable to common shares	$	10,599		$	5,171		$	5,428		$	(35,551	)	$	(39,542	)	$	773		$	63		$	3,155		$	48,482		$	(27,568	)	$	24,149		$	80,094
Basic earnings per common share	$	0.15		$	0.07		$	0.08		$	(0.71	)	$	(0.73	)	$	0.02		$	0.00		$	0.07		$	1.00		$	(0.57	)	$	0.50		$	1.62
Diluted earnings per common share	$	0.15		$	0.07		$	0.08		$	(0.71	)	$	(0.73	)	$	0.02		$	0.00		$	0.07		$	1.00		$	(0.57	)	$	0.50		$	1.62
Weighted average shares outstanding		71,756			73,028			70,469			50,034			54,152			48,942			48,501			48,493			48,462			48,487			48,470			49,295
Weighted average diluted shares outstanding		71,756			73,028			70,469			50,034			54,152			48,942			48,501			48,493			48,515			48,508			48,499			49,586
Tax equivalent adjustment(1)	$	8,517		$	4,265		$	4,252		$	19,658		$	4,448		$	4,691		$	5,091		$	5,428		$	22,225		$	5,496		$	5,572		$	20,906
Net interest income (FTE)(1)	$	146,074		$	73,884		$	72,190		$	271,190		$	70,389		$	65,672		$	65,482		$	69,647		$	268,822		$	70,509		$	68,330		$	261,035
Common stock and related per common share data:
Book value	$	13.00		$	13.00		$	12.84		$	13.66		$	13.66		$	14.43		$	14.22		$	14.61		$	14.72		$	14.72		$	14.80		$	14.94
Tangible book value		9.20			9.20			9.05			8.52			8.52			9.29			8.47			8.78			8.87			8.87			8.92			8.99
Dividends declared per share		0.020			0.010			0.010			0.040			0.010			0.010			0.010			0.010			1.155			0.225			0.310			1.195
Market price - period high		17.95			17.95			14.43			20.25			11.50			11.64			12.00			20.25			40.09			28.97			40.09			39.31
Market price - period low		10.37			12.10			10.37			5.94			9.09			6.19			5.94			5.96			13.56			13.65			13.56			29.67
Closing price at period end	$	12.16		$	12.16		$	13.55		$	10.89		$	10.89		$	11.27		$	7.31		$	8.59		$	19.97		$	19.97		$	24.24		$	30.60
Closing price to book value		0.9			0.9			1.1			0.8			0.8			0.8			0.5			0.6			1.4			1.4			1.6			2.0
Period end shares outstanding		74,049			74,049			74,046			54,793			54,793			54,800			49,161			48,628			48,630			48,630			48,590			48,453
Period end treasury shares		11,738			11,738			11,741			12,176			12,176			12,169			12,165			12,698			12,696			12,696			12,736			12,873
Number of shares repurchased		—			—			—			—			—			—			—			—			5			—			—			1,767
Common dividends	$	1,481		$	741		$	740		$	2,020		$	492		$	556		$	486		$	486		$	56,206		$	10,955		$	15,088		$	58,765
Preferred dividends	$	4,825		$	2,412		$	2,413		$	9,650		$	2,413		$	2,412		$	2,413		$	2,412		$	670		$	670		$	—		$	—
Other Key Ratios/Data:
Return on average common equity(2)		2.27	%		2.16	%		2.38	%		-4.84	%		-19.84	%		0.43	%		0.04	%		1.78	%		6.46	%		-13.90	%		13.07	%		10.68	%
Return on average assets(2)		0.41	%		0.40	%		0.43	%		-0.32	%		-1.92	%		0.17	%		0.13	%		0.28	%		0.60	%		-1.28	%		1.16	%		0.99	%
Net interest margin(1)		4.25	%		4.21	%		4.28	%		3.72	%		4.04	%		3.66	%		3.53	%		3.67	%		3.61	%		3.71	%		3.63	%		3.58	%
Yield on average earning assets(1)		5.02	%		4.94	%		5.10	%		4.96	%		4.98	%		4.88	%		4.86	%		5.12	%		5.80	%		5.43	%		5.69	%		6.82	%
Cost of funds		0.98	%		0.92	%		1.05	%		1.50	%		1.17	%		1.48	%		1.61	%		1.73	%		2.56	%		2.03	%		2.40	%		3.82	%
Efficiency ratio(1)		58.16	%		57.92	%		58.41	%		57.86	%		58.48	%		59.13	%		61.45	%		52.33	%		53.49	%		59.06	%		50.30	%		52.50	%
Net noninterest expense ratio(2)		2.21	%		2.31	%		2.34	%		1.76	%		2.42	%		1.64	%		1.69	%		1.34	%		1.27	%		1.64	%		1.11	%		1.09	%
Effective income tax rate		3.0	%		1.7	%		4.2	%		66.1	%		43.1	%		230.4	%		171.8	%		250.2	%		-36.9	%		41.6	%		3.2	%		14.7	%
Full time equivalent employees - end of period		1,762			1,762			1,729			1,739			1,739			1,751			1,766			1,767			1,809			1,809			1,792			1,856
Number of bank offices		95			95			94			94			94			94			94			97			97			97			98			99
Number of automated teller machines		131			131			129			127			127			127			128			130			129			129			130			131

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)

	2010									2009															2008									2007
	June 30/YTD			2nd Quarter			1st Quarter			Dec. 31/YTD			4th Quarter			3rd Quarter			2nd Quarter			1st Quarter			Dec. 31/YTD			4th Quarter			3rd Quarter			Dec. 31/YTD
Parent Company Data:
Parent investment in subsidiaries - end of period	$	1,204,551		$	1,204,551		$	1,188,859		$	1,008,836		$	1,008,836		$	947,040		$	915,129		$	921,904		$	921,548		$	921,548		$	910,987		$	861,841
Risk-Based Capital Data:
Preferred stock	$	190,553		$	190,553		$	190,392		$	190,233		$	190,233		$	190,076		$	189,921		$	189,768		$	189,617		$	189,617		$	—		$	—
Common stock		858			858			858			670			670			670			613			613			613			613			613			613
Accumulated paid in capital		435,605			435,605			434,704			252,322			252,322			251,423			193,623			211,325			210,698			210,698			207,503			207,851
Retained earnings		819,890			819,890			815,395			810,626			810,626			851,178			850,950			851,339			837,390			837,390			875,947			844,972
Treasury stock		(278,591	)		(278,591	)		(278,703	)		(293,664	)		(293,664	)		(293,551	)		(293,572	)		(311,963	)		(311,997	)		(311,997	)		(313,347	)		(317,734	)
Trust preferred securities		84,730			84,730			84,730			84,730			84,730			84,730			125,000			125,000			125,000			125,000			125,000			125,000
Minority interest		1			1			3			5			5			111			111			111			111			111			111			111
Unrealized loss on equity securities		—			—			—			—			—			—			(46	)		(238	)		(126	)		(126	)		(136	)		(25	)
Intangible assets		(281,255	)		(281,255	)		(280,477	)		(281,479	)		(281,479	)		(281,614	)		(282,592	)		(283,570	)		(284,548	)		(284,548	)		(285,643	)		(288,235	)
Disallowed deferred tax assets		(1,761	)		(1,761	)		—			—			—			—			—			—			—			—			—			—
Tier 1 capital		970,030			970,030			966,902			763,443			763,443			803,023			784,008			782,385			766,758			766,758			610,048			572,553
Tier 2 capital		130,957			130,957			131,114			131,836			131,836			149,073			179,709			182,844			182,675			182,675			169,727			161,708
Total capital	$	1,100,987		$	1,100,987		$	1,098,016		$	895,279		$	895,279		$	952,096		$	963,717		$	965,229		$	949,433		$	949,433		$	779,775		$	734,261
Risk-adjusted assets	$	6,362,015		$	6,362,015		$	6,372,521		$	6,424,597		$	6,424,597		$	6,234,283		$	6,335,010		$	6,600,684		$	6,609,359		$	6,609,359		$	6,475,903		$	6,340,614
Tangible common equity		681,257			681,257			670,291			467,042			467,042			508,965			416,461			427,042			431,401			431,401			433,266			435,740
Tangible common equity excluding OCI		694,060			694,060			689,169			485,708			485,708			525,182			465,943			464,512			449,443			449,443			485,073			447,467
Adjusted average assets		7,641,829			7,641,829			7,404,963			7,496,478			7,496,478			7,636,913			7,945,014			8,151,469			8,146,655			8,146,655			8,040,248			7,671,104
Tier 1 capital / risk-based assets		15.25	%		15.25	%		15.17	%		11.88	%		11.88	%		12.88	%		12.38	%		11.85	%		11.60	%		11.60	%		9.42	%		9.03	%
Tier 1 common capital / risk-based assets		10.88	%		10.88	%		10.81	%		7.56	%		7.56	%		8.43	%		7.36	%		7.04	%		6.79	%		6.79	%		7.49	%		7.06	%
Total capital / risk-based assets		17.31	%		17.31	%		17.23	%		13.94	%		13.94	%		15.27	%		15.21	%		14.62	%		14.36	%		14.36	%		12.04	%		11.58	%
Leverage ratio		12.69	%		12.69	%		13.06	%		10.18	%		10.18	%		10.52	%		9.87	%		9.60	%		9.41	%		9.41	%		7.59	%		7.46	%
Tangible common equity ratio		9.05	%		9.05	%		9.17	%		6.29	%		6.29	%		6.88	%		5.56	%		5.36	%		5.23	%		5.23	%		5.44	%		5.58	%
Tangible common equity ratio, excluding OCI		9.22	%		9.22	%		9.42	%		6.54	%		6.54	%		7.10	%		6.23	%		5.83	%		5.45	%		5.45	%		6.09	%		5.73	%
Tangible common equity / risk-based assets		10.71	%		10.71	%		10.52	%		7.27	%		7.27	%		8.16	%		6.57	%		6.47	%		6.53	%		6.53	%		6.69	%		6.87	%

First Midwest Bancorp, Inc.

Selected Financial Information

(Amounts in thousands, except per share data)

	2010									2009															2008									2007
	June 30/YTD			2nd Quarter			1st Quarter			Dec. 31/YTD			4th Quarter			3rd Quarter			2nd Quarter			1st Quarter			Dec. 31/YTD			4th Quarter			3rd Quarter			Dec. 31/YTD
Asset Quality Performance Data:
Non-accrual loans:
Commercial	$	39,942		$	39,942		$	38,095		$	28,193		$	28,193		$	45,134		$	41,542		$	33,245		$	15,586		$	15,586		$	13,961		$	9,128
Agricultural		1,139			1,139			2,532			2,673			2,673			2,384			452			12			12			12			12			362
Real estate- office, retail, and industrial		17,170			17,170			18,204			21,396			21,396			15,738			13,058			12,769			2,533			2,533			1,195			552
Real estate - residential construction		71,148			71,148			93,412			112,798			112,798			138,593			143,231			107,766			97,060			97,060			28,335			107
Real estate - multifamily		7,904			7,904			8,349			12,486			12,486			15,910			10,632			6,989			1,387			1,387			2,827			3,480
Real estate - other commercial		42,407			42,407			41,829			53,221			53,221			25,818			21,262			16,013			6,914			6,914			1,833			1,439
Real estate - 1-4 family		5,706			5,706			5,826			5,819			5,819			4,975			1,034			1,756			857			857			795			583
Consumer		8,273			8,273			7,826			7,629			7,629			8,253			6,042			4,991			3,419			3,419			4,359			2,796
Total non-accrual loans		193,689			193,689			216,073			244,215			244,215			256,805			237,253			183,541			127,768			127,768			53,317			18,447
Loans past due 90 days and still accruing		6,280			6,280			7,995			4,079			4,079			5,960			26,071			73,929			36,999			36,999			37,316			21,149
Total non-performing loans		199,969			199,969			224,068			248,294	��		248,294			262,765			263,324			257,470			164,767			164,767			90,633			39,596
Restructured, accruing loans		9,030			9,030			5,168			30,553			30,553			26,718			18,877			1,063			7,344			7,344			3,731			7,391
Other real estate owned		57,023			57,023			62,565			57,137			57,137			57,945			50,640			38,984			24,368			24,368			23,697			6,053
Total non-performing assets		266,022			266,022			291,801			335,984			335,984			347,428			332,841			297,517			196,479			196,479			118,061			53,040
Loans past due 30-89 days and still accruing		32,012			32,012			28,018			37,912			37,912			44,346			38,128			54,311			116,206			116,206			104,769			100,820
Reserve for loan losses (RLL):
RLL	$	145,027		$	145,027		$	144,824		$	144,808		$	144,808		$	134,269		$	127,528		$	116,001		$	93,869		$	93,869		$	69,811		$	61,800
Reserve for unfunded commitments		450			450			—			—			—			—			—			—			—			—			—			—
Total reserve for loan losses		145,477			145,477			144,824			144,808			144,808			134,269			127,528			116,001			93,869			93,869			69,811			61,800
Loan loss provision		39,876			21,526			18,350			215,672			93,000			38,000			36,262			48,410			70,254			42,385			13,029			7,233
Net charge-offs by category:
Commercial		7,142			2,679			4,463			55,004			23,320			12,585			7,006			12,093			13,026			5,601			1,899			4,925
Agricultural		687			546			141			180			180			—			—			—			38			—			(4	)		10
Real estate - office, retail, and industrial		3,997			2,353			1,644			7,856			3,265			3,496			217			878			732			699			2			—
Real estate - residential construction		14,446			9,994			4,452			62,642			38,315			5,181			8,427			10,719			15,780			9,227			5,856			231
Real estate - multifamily		997			485			512			3,483			2,325			29			1,086			43			1,796			164			(40	)		490
Real estate - other commercial		6,341			1,622			4,719			21,517			11,851			6,400			3,197			69			1,248			397			62			(34	)
Real estate - 1-4 family		381			261			120			930			168			216			326			220			576			57			239			145
Consumer		4,565			2,282			2,283			13,121			3,037			3,352			4,476			2,256			4,989			2,182			1,308			2,036
Net charge-offs, excluding covered assets		38,556			20,222			18,334			164,733			82,461			31,259			24,735			26,278			38,185			18,327			9,322			7,803
Charge-offs on covered assets		651			651			—			—			—			—			—			—			—			—			—			—
Total net charge-offs		39,207			20,873			18,334			164,733			82,461			31,259			24,735			26,278			38,185			18,327			9,322			7,803
Asset Quality ratios:
Non-accrual loans / loans		3.72	%		3.72	%		4.16	%		4.69	%		4.69	%		4.84	%		4.44	%		3.41	%		2.38	%		2.38	%		1.02	%		0.37	%
Non-performing loans / loans		3.84	%		3.84	%		4.31	%		4.77	%		4.77	%		4.95	%		4.93	%		4.78	%		3.07	%		3.07	%		1.74	%		0.80	%
Non-performing assets / loans plus OREO		5.05	%		5.05	%		5.55	%		6.39	%		6.39	%		6.48	%		6.17	%		5.48	%		3.65	%		3.65	%		2.25	%		1.07	%
Non-accrual loans / total assets		2.48	%		2.48	%		2.85	%		3.17	%		3.17	%		3.34	%		3.05	%		2.22	%		1.50	%		1.50	%		0.65	%		0.23	%
Loan loss ratios:
RLL / loans		2.79	%		2.79	%		2.79	%		2.78	%		2.78	%		2.53	%		2.39	%		2.15	%		1.75	%		1.75	%		1.34	%		1.25	%
RLL / non-accrual loans		75.11	%		75.11	%		67.03	%		59.30	%		59.30	%		52.28	%		53.75	%		63.20	%		73.47	%		73.47	%		130.94	%		335.01	%
RLL / non-performing loans		72.75	%		72.75	%		64.63	%		58.32	%		58.32	%		51.10	%		48.43	%		45.05	%		56.97	%		56.97	%		77.03	%		156.08	%
Net charge-offs to average net loans		1.49	%		1.56	%		1.43	%		3.08	%		6.17	%		2.32	%		1.85	%		1.98	%		0.74	%		1.38	%		0.71	%		0.16	%

Footnotes:

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

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