Old National Bancorp (ONB) 8-K Results of Operations and Financial Condition

Exhibit 99.2

	Old National Bancorp
	Financial Trends
	Third Quarter 2005
	October 27, 2005
	Please direct inquiries to
	Christopher A. Wolking, Executive Vice President & Chief Financial Officer (812) 464-1322 or
	Candice Jenkins, Senior Vice President & Corporate Controller (812) 461-9769

Note: -Disclosures based on operating earnings, which exclude gains on branch divestitures and restructuring charges, are included to provide comparable data between years.

- -All share and per share data have been adjusted for stock dividends.

- -Summations may not equal due to rounding

Old National Bancorp
Financial Summary
Third Quarter 2005

2001			2002			2003			2004				2004												2005
													1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr			3rd Qtr			4th Qtr
												Profitability (in millions)
	93.0			117.9			70.4			67.6		NET INCOME		19.5			11.3			18.2			18.6			18.5			22.9			7.6
	—			0.6			2.5			2.8		INCOME from Discontinued Operations (net of tax)		0.9			1.1			0.4			0.4			(1.0	)		1.7			(15.5	)
	93.0			117.3			67.9			64.8		INCOME from Continuing Operations (net of tax)		18.6			10.2			17.8			18.2			19.4			21.2			23.1
	(5.9	)		8.3			—			—		NON-OPERATING Income (Expense)		—			—			—			—			—			—			—
	99.0			109.0			67.9			64.8		OPERATING EARNINGS (1)		18.6			10.2			17.8			18.2			19.4			21.2			23.1
												Diluted EPS
	1.29			1.67			1.00			0.97		Net Income		0.28			0.16			0.26			0.27			0.27			0.33			0.11
	—			0.01			0.03			0.04		Income from Discontinued Operations		0.01			0.02			—			0.01			(0.01	)		0.02			(0.23	)
	1.29			1.66			0.97			0.93		Income from Continuing Operations		0.27			0.14			0.26			0.26			0.28			0.31			0.34
	(0.08	)		0.12			—			—		Non-Operating		—			—			—			—			—			—			—
	1.37			1.54			0.97			0.93		Operating (1)		0.27			0.14			0.26			0.26			0.28			0.31			0.34
												Net Income Ratios
	14.45	%		17.05	%		9.48	%		9.51	%	Return on Common Equity		10.68	%		6.34	%		10.58	%		10.45	%		10.48	%		13.18	%		4.48	%
	1.05	%		1.27	%		0.74	%		0.74	%	Return on Assets		0.84	%		0.49	%		0.81	%		0.83	%		0.84	%		1.05	%		0.36	%
												Operating Ratios
	15.36	%		15.76	%		9.14	%		9.12	%	Return on Common Equity (1)		10.18	%		5.74	%		10.36	%		10.23	%		11.03	%		12.22	%		13.64	%
	1.12	%		1.18	%		0.71	%		0.71	%	Return on Assets (1)		0.80	%		0.44	%		0.79	%		0.81	%		0.88	%		0.97	%		1.08	%
	57.6	%		56.1	%		59.8	%		72.6	%	Efficiency Ratio (1)		67.9	%		80.7	%		67.6	%		73.7	%		66.1	%		63.1	%		60.6	%
	3.77	%		3.65	%		3.37	%		3.31	%	Net Interest Margin		3.37	%		3.38	%		3.30	%		3.21	%		3.22	%		3.20	%		3.26	%
	0.45	%		0.34	%		1.21	%		0.61	%	Net Charge-offs / Average Loans (2)		0.25	%		0.89	%		0.48	%		0.83	%		0.37	%		0.93	%		0.41	%
												Capital Ratios:
												Risk-Based Capital Ratios (end of period):
	9.3	%		11.1	%		11.0	%		11.2	%	Tier 1		11.1	%		11.3	%		11.4	%		11.2	%		11.0	%		10.1	%		10.4	%
	12.8	%		14.8	%		14.7	%		14.9	%	Total		14.8	%		15.1	%		15.2	%		14.9	%		14.7	%		13.8	%		14.1	%
	6.6	%		7.5	%		7.3	%		7.7	%	Leverage Ratio (to average assets)		7.5	%		7.5	%		7.7	%		7.7	%		7.8	%		7.2	%		7.6	%
	7.27	%		7.47	%		7.78	%		7.79	%	Total equity to assets (averages)		7.89	%		7.69	%		7.66	%		7.90	%		7.99	%		7.96	%		7.92	%
												Stock Price/ Dividend Ratios:
	0.56			0.63			0.69			0.72		Per Share Dividend		0.18			0.18			0.18			0.18			0.19			0.19			0.19
	43	%		38	%		69	%		74	%	Dividend Payout Ratio		65	%		112	%		69	%		67	%		71	%		61	%		56	%
	20.77			20.99			20.72			24.63		Stock Price at EOP		21.52			23.65			23.66			24.63			20.30			21.40			21.22
	9.03			10.52			10.24			10.15		Book Value Per Share		10.62			9.68			10.29			10.15			9.76			10.18			9.89

(1)	Operating earnings exclude gains on branch divestitures and restructuring charges.
(2)	Net charge-offs include $5.3 million, $3.4 million, $1.2 million and $14.7 million of write-downs on loans transferred to held for sale for the second quarter of 2005, for the fourth quarter and second quarter of 2004 and for the year of 2003, respectively.

PAGE 1

Old National Bancorp
INCOME STATEMENT
($ In Millions except EPS information)

Nine Months				Change							Third Quarter					Change
2005		2004		$			%				2005			2004		$			%
$      332.0		$	333.1	$	(1.0	)		0	%	Interest Income — FTE	$	113.1		$	107.4	$	5.7			5	%
142.3			123.8		18.6			15	%	Less: Interest Expense		50.3			40.5		9.8			24	%
189.7			209.3		(19.6	)		-9	%	Net Interest Income — FTE		62.8			66.9		(4.1	)		-6	%
15.6			15.1		0.4			3	%	Wealth management fees		5.0			4.9		0.1			2	%
35.7			35.8		(0.1	)		0	%	Service charges on deposit accounts		12.5			12.6		(0.1	)		-1	%
26.6			24.8		1.8			7	%	Insurance premiums and commissions		8.5			7.4		1.1			15	%
7.1			9.5		(2.4	)		-25	%	Investment product fees		2.2			2.5		(0.3	)		-12	%
4.4			7.1		(2.7	)		-38	%	Mortgage banking revenue		1.8			0.2		1.5			N/M
22.3			20.1		2.2			11	%	Other income		8.3			7.0		1.3			19	%
111.7			112.3		(0.6	)		-1	%	Total Fees and Service Charges		38.3			34.7		3.6			11	%
1.2			2.3		(1.1	)		-49	%	Gains (Losses) Sales of Securities		0.7			0.3		0.4			117	%
112.9			114.7		(1.8	)		-2	%	Total Noninterest Income		39.0			35.0		4.0			11	%
302.6			324.0		(21.4	)		-7	%	Total Revenues (FTE)		101.8			101.9		(0.1	)		0	%
113.6			130.6		(17.0	)		-13	%	Salaries and employee benefits		35.9			38.3		(2.4	)		-6	%
77.8			103.7		(25.9	)		-25	%	Other expense		25.8			30.6		(4.8	)		-16	%
191.4			234.3		(42.9	)		-18	%	Total Noninterest Expense		61.7			68.9		(7.2	)		-10	%
17.1			22.4		(5.3	)		-24	%	Provision for loan losses		6.0			7.4		(1.4	)		-19	%
94.1			67.3		26.8			40	%	Income before income taxes and discontinued operations (FTE)		34.1			25.6		8.5			33	%
14.0			2.6		11.4			N/M		Income Taxes on continuing ops.		5.8			1.8		3.9			214	%
16.3			18.1		(1.7	)		-10	%	FTE Adjustment		5.2			6.0		(0.7	)		-12	%
30.3			20.7		9.7			47	%	Total Taxes (FTE)		11.0			7.8		3.2			41	%
63.7			46.6		17.1			37	%	Income from Cont. Ops.		23.1			17.8		5.3			30	%
(14.8	)		2.4		(17.2	)		N/M		Income from Discontinued Ops. (net of tax)		(15.5	)		0.4		(15.9	)		N/M
$       48.9		$	49.0	$	(0.1	)		0	%	Net Income	$	7.6		$	18.2	$	(10.6	)		-58	%
0.93			0.67		0.26			39	%	Diluted EPS — Income from Cont. Ops.		0.34			0.26		0.07			28	%
(0.22	)		0.03		(0.25	)		N/M		Diluted EPS — Income from Disco. Ops.		(0.23	)		—		(0.23	)		N/M
0.71			0.70		0.01			2	%	Diluted EPS — Net Income		0.11			0.26		(0.15	)		-57	%
68,010			69,258		(1,248	)		-2	%	EOP Shares Outstanding (000s)		68,010			69,258		(1,248	)		-2	%
68,355			69,560		(1,205	)		-2	%	Average Basic Shares (000s)		68,011			69,353		(1,342	)		-2	%
68,482			70,026		(1,544	)		-2	%	Average Diluted Shares (000s)		68,331			70,067		(1,736	)		-2	%

FTE — Fully taxable equivalent basis

N/M = Not meaningful

PAGE 2

Old National Bancorp
NET INCOME TRENDS
Third Quarter 2005
($ In Millions except EPS information)

2001			2002		2003		2004			2004										2005
										1st Qtr			2nd Qtr			3rd Qtr		4th Qtr		1st Qtr			2nd Qtr		3rd Qtr			4th Qtr
	651.0			572.6		494.8		441.0	Interest Income — FTE		114.2			111.4			107.4		108.0		108.3			110.5		113.1
	338.4			258.0		197.7		166.4	Less: Interest Expense		43.0			40.3			40.5		42.6		44.1			47.9		50.3
	312.6			314.6		297.1		274.6	Net Interest Income — FTE		71.2			71.2			66.9		65.3		64.2			62.7		62.8
	20.7			19.4		20.4		20.4	Wealth management fees		4.9			5.3			4.9		5.3		4.9			5.6		5.0
	40.5			42.0		44.9		48.5	Service charges on deposit accounts		10.8			12.4			12.6		12.7		11.1			12.1		12.5
	13.3			15.2		22.4		32.8	Insurance premiums and commissions		9.2			8.2			7.4		8.0		9.1			9.1		8.5
	6.8			9.0		10.6		12.0	Investment product fees		3.2			3.8			2.5		2.5		2.6			2.3		2.2
	9.7			14.5		19.1		8.5	Mortgage banking revenue		(0.3	)		7.1			0.2		1.4		1.4			1.3		1.8
	17.2			23.0		23.1		25.3	Other income		7.8			5.4			7.0		5.2		7.3			6.8		8.3
	108.2			123.0		140.5		147.4	Total Fees and Service Charges		35.5			42.2			34.7		35.1		36.2			37.2		38.3
	4.8			12.4		23.6		2.9	Gains (Losses) Sales of Securities		2.0			—			0.3		0.6		(0.5	)		1.0		0.7
	113.0			135.4		164.1		150.4	Total Noninterest Income		37.5			42.2			35.0		35.7		35.7			38.2		39.0
	425.6			450.0		461.1		425.0	Total Revenues (FTE)		108.7			113.3			101.9		101.0		99.9			100.9		101.8
	138.2			144.5		151.4		171.9	Salaries and employee benefits		44.2			48.1			38.3		41.3		39.0			38.7		35.9
	106.9			107.8		124.4		136.8	Other expense		29.6			43.4			30.6		33.2		27.0			24.9		25.8
	245.1			252.3		275.8		308.7	Total Noninterest Expense		73.8			91.5			68.9		74.4		66.1			63.6		61.7
	28.7			33.5		85.0		22.4	Provision for loan losses		7.5			7.5			7.4		—		5.1			6.0		6.0
	151.8			164.2		100.3		93.9	Income before taxes and Disco. Ops (FTE)		27.3			14.3			25.6		26.6		28.7			31.2		34.1
	31.5			30.0		7.3		5.2	Income Taxes on continuing ops.		2.7			(1.9	)		1.8		2.6		3.7			4.5		5.8
	21.3			25.2		25.1		23.9	FTE Adjustment		6.1			6.0			6.0		5.8		5.6			5.5		5.2
	52.8			55.2		32.4		29.1	Total Taxes (FTE)		8.8			4.1			7.8		8.4		9.3			10.0		11.0
	99.0			109.0		67.9		64.8	Operating Earnings (1)		18.6			10.2			17.8		18.2		19.4			21.2		23.1
	(5.9	)		8.3		—		—	Non-Operating Income (Expense)		—			—			—		—		—			—	—
	93.0			117.3		67.9		64.8	Net Income from Cont. Ops.		18.6			10.2			17.8		18.2		19.4			21.2		23.1
	—			0.6		2.5		2.8	Income from Discontinued Ops., net of tax		0.9			1.1			0.4		0.4		(1.0	)		1.7		(15.5	)
	93.0			117.9		70.4		67.6	Net Income		19.5			11.3			18.2		18.6		18.5			22.9		7.6
	1.37			1.54		0.97		0.93	Diluted EPS — Operating (1)		0.27			0.14			0.26		0.26		0.28			0.31		0.34
	(0.08	)		0.12		—		—	Diluted EPS — Non-Operating		—			—			—		—		—			—	—
	1.29			1.66		0.97		0.93	Diluted EPS — Income from Cont. Ops.		0.27			0.14			0.26		0.26		0.28			0.31		0.34
	—			0.01		0.03		0.04	Diluted EPS — Income from Disco. Ops.		0.01			0.02			—		0.01		(0.01	)		0.02		(0.23	)
	1.29			1.67		1.00		0.97	Diluted EPS — Net Income		0.28			0.16			0.26		0.27		0.27			0.33		0.11
	72,038			70,674		70,174		70,024	Average Diluted Shares (000s)		69,783			70,160			70,067		70,022		68,787			68,488		68,331
	2,741			2,752		2,842		2,565	Full Time Equivalent Employees (2)		2,758			2,724			2,582		2,565		2,549			2,616		2,599

	FTE — Fully taxable equivalent basis
(1)	Operating earnings exclude gains on branch divestitures and restructuring charges.
(2)	Based on continuing operations.

PAGE 3

Old National Bancorp
Balance Sheet (EOP)
Third Quarter 2005
($ in Millions)

	09/30/2005			06/30/2005			09/30/2004			Change from Prior Year
Assets										$			%
Securities
Treasury and Government Sponsored Agencies	$	435.1		$	511.0		$	700.9		$	(265.8	)	-38	%
Municipals		485.2			515.4			631.9			(146.7	)	-23	%
Mortgage Backed		1,329.9			1,320.6			1,377.1			(47.2	)	-3	%
Other (1)		296.1			309.5			309.1			(13.0	)	-4	%
Total Investments (1)		2,546.4			2,656.5			3,019.1			(472.7	)	-16	%
Residential Loans Held for Sale		66.0			53.3			22.1			43.9		199	%
Loans
Commercial		1,650.6			1,643.6			1,586.6			64.0		4	%
Commercial and Agriculture Real Estate		1,613.0			1,599.1			1,713.8			(100.8	)	-6	%
Consumer		1,297.7			1,231.2			1,227.2			70.5		6	%
Subtotal		4,561.2			4,473.9			4,527.6			33.7		1	%
Residential Real Estate		531.2			544.6			554.1			(22.8	)	-4	%
Total Loans		5,092.5			5,018.5			5,081.7			10.8		0	%
Total Earning Assets		7,704.8			7,728.3			8,122.8			(418.0	)	-5	%
Allowance for loan losses		(81.4	)		(80.6	)		(96.3	)		15.0		16	%
Nonearning assets
Goodwill and Intangible assets		137.0			137.5			169.4			(32.5	)	-19	%
Other assets		774.9			865.2			785.8			(11.0	)	-1	%
Total Nonearning assets		911.8			1,002.7			955.2			(43.4	)	-5	%
Total Assets	$	8,535.3		$	8,650.3		$	8,981.7		$	(446.4	)	-5	%
Liabilities and Equity
Noninterest-bearing demand deposits	$	872.5		$	857.1		$	825.7		$	46.8		6	%
NOW and Savings accounts		2,098.5			2,230.1			2,294.3			(195.9	)	-9	%
Money market accounts		809.6			662.6			581.8			227.7		39	%
Other time		2,225.0			2,194.8			2,333.0			(108.0	)	-5	%
Total Core Deposits		6,005.5			5,944.6			6,034.9			(29.4	)	0	%
Borrowed Funds (includes Brokered CD’s)		1,746.8			1,895.6			2,117.3			(370.5	)	-18	%
Accrued expenses and other liabilities		110.2			108.0			117.2			(7.0	)	-6	%
Total Liabilities		7,862.5			7,948.1			8,269.4			(406.9	)	-5	%
Shareholders’ equity		672.8			702.2			712.3			(39.5	)	-6	%
Total Liabilities and Shareholders Equity	$	8,535.3		$	8,650.3		$	8,981.7		$	(446.4	)	-5	%

(1) Includes money market investments.

PAGE 4

Old National Bancorp
Balance Sheet Trends
PERIOD AVERAGES
($ in Millions)

2001			2002			2003			2004				2004												2005
													1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr			3rd Qtr			4th Qtr
												Assets
												Securities
$	482		$	593		$	629		$	640		Treasury and Gov’t Sponsored Agencies	$	587		$	602		$	659		$	713		$	693		$	611		$	509
	582			656			667			638		Municipals		652			641			635			625			593			566			507
	773			1,342			1,710			1,422		Mortgage Backed		1,484			1,430			1,348			1,428			1,448			1,357			1,288
	181			146			149			248		Other (1)		176			178			343			297			290			301			306
	2,018			2,737			3,155			2,950		Total Investments (1)		2,898			2,852			2,985			3,064			3,023			2,835			2,610
												Loans
	1,692			1,690			1,687			1,611		Commercial		1,601			1,636			1,604			1,603			1,504			1,580			1,624
	1,855			1,844			1,866			1,768		Commercial and Agriculture Real Estate		1,838			1,804			1,749			1,678			1,636			1,619			1,613
	1,052			1,057			1,096			1,196		Consumer		1,168			1,183			1,211			1,224			1,224			1,221			1,272
	4,599			4,592			4,648			4,575		Subtotal		4,608			4,623			4,564			4,505			4,364			4,421			4,509
	1,682			1,287			1,003			766		Residential Real Estate (2)		955			960			568			579			577			585			594
	6,281			5,878			5,651			5,341		Total Loans (2)		5,563			5,583			5,132			5,084			4,940			5,006			5,103
	8,299			8,615			8,807			8,290		Total Earning Assets		8,461			8,435			8,117			8,148			7,964			7,841			7,714
	(74	)		(81	)		(89	)		(98	)	Allowance for loan losses		(98	)		(101	)		(96	)		(96	)		(87	)		(84	)		(81	)
	640			730			839			931		Nonearning assets		898			920			956			950			940			965			919
$	8,864		$	9,264		$	9,556		$	9,123		Total Assets	$	9,261		$	9,254		$	8,977		$	9,002		$	8,817		$	8,721		$	8,552
												Liabilities and Equity
$	664		$	712		$	753		$	803		Noninterest-bearing demand deposits	$	771		$	798		$	814		$	829		$	837		$	834		$	844
	1,339			1,678			1,984			2,207		NOW and Savings accounts		2,054			2,166			2,248			2,359			2,368			2,320			2,179
	778			644			612			587		Money market accounts		603			586			582			576			580			643			725
	3,065			3,146			2,767			2,449		Other time		2,602			2,500			2,394			2,300			2,202			2,206			2,223
	5,847			6,181			6,115			6,046		Total Core Deposits		6,031			6,050			6,039			6,065			5,986			6,003			5,971
	2,287			2,294			2,573			2,251		Borrowed Funds (includes Brokered CD’s)		2,387			2,380			2,133			2,105			2,019			1,919			1,804
	86			97			124			115		Accrued expenses and other liabilities		112			111			118			120			108			105			100
	8,220			8,572			8,813			8,413		Total Liabilities		8,531			8,542			8,289			8,291			8,112			8,027			7,874
	644			692			743			710		Shareholders’ equity		731			712			688			712			705			694			677
$	8,864		$	9,264		$	9,556		$	9,123		Total Liabilities and Equity	$	9,261		$	9,254		$	8,977		$	9,002		$	8,817		$	8,721		$	8,552

(1)	Includes money market investments.
(2)	Includes residential loans held for sale.

PAGE 5

Old National Bancorp
Interest Rate Trends (FTE basis)
PERIOD AVERAGES

2001			2002			2003			2004				2004												2005
													1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr			3rd Qtr			4th Qtr
												Earning Assets
												Securities
	6.17	%		4.55	%		3.83	%		3.18	%	Treasury and Gov’t Sponsored Agencies		3.39	%		3.20	%		3.16	%		3.02	%		3.10	%		3.28	%		3.64	%
	7.07	%		7.13	%		7.02	%		6.92	%	Municipals		6.87	%		6.97	%		6.98	%		6.86	%		6.87	%		6.90	%		6.86	%
	6.46	%		5.45	%		4.12	%		4.18	%	Mortgage Backed		4.19	%		4.13	%		4.24	%		4.15	%		4.15	%		4.21	%		4.26	%
	6.05	%		5.14	%		4.18	%		3.06	%	Other (1)		3.34	%		3.28	%		2.56	%		3.33	%		4.17	%		4.40	%		4.68	%
	6.53	%		5.64	%		4.68	%		4.46	%	Total Investments (1)		4.58	%		4.52	%		4.39	%		4.36	%		4.44	%		4.57	%		4.69	%
												Loans
	8.18	%		6.58	%		5.61	%		5.41	%	Commercial		5.44	%		5.26	%		5.37	%		5.58	%		6.02	%		6.32	%		6.45	%
	8.22	%		6.93	%		5.87	%		5.70	%	Commercial and Agriculture Real Estate		5.67	%		5.59	%		5.79	%		5.75	%		6.13	%		6.16	%		6.42	%
	9.28	%		8.04	%		7.22	%		6.58	%	Consumer		6.72	%		6.57	%		6.51	%		6.52	%		6.59	%		6.71	%		6.82	%
	8.45	%		7.06	%		6.10	%		5.83	%	Subtotal		5.85	%		5.72	%		5.83	%		5.90	%		6.22	%		6.36	%		6.54	%
	7.77	%		7.32	%		6.37	%		5.60	%	Residential Real Estate (2)		5.84	%		5.61	%		5.42	%		5.38	%		5.40	%		5.48	%		5.50	%
	8.27	%		7.11	%		6.14	%		5.79	%	Total Loans (2)		5.85	%		5.70	%		5.79	%		5.84	%		6.13	%		6.26	%		6.42	%
	7.84	%		6.65	%		5.62	%		5.32	%	Total Earning Assets		5.41	%		5.30	%		5.28	%		5.28	%		5.48	%		5.65	%		5.84	%
												Interest-bearing Liabilities
	1.68	%		1.22	%		0.86	%		0.84	%	NOW and Savings accounts		0.68	%		0.75	%		0.89	%		1.01	%		1.14	%		1.25	%		1.36	%
	3.32	%		1.55	%		0.94	%		1.10	%	Money market accounts		0.83	%		0.86	%		1.17	%		1.54	%		1.99	%		2.37	%		2.88	%
	5.52	%		4.58	%		3.96	%		3.25	%	Other time		3.58	%		3.25	%		3.07	%		3.07	%		3.14	%		3.23	%		3.34	%
	4.20	%		3.19	%		2.47	%		1.99	%	Total Interest-Bearing Deposits		2.13	%		1.95	%		1.92	%		1.97	%		2.09	%		2.24	%		2.44	%
	5.29	%		3.63	%		2.54	%		2.75	%	Borrowed Funds (includes Brokered CD’s)		2.55	%		2.49	%		2.85	%		3.15	%		3.54	%		3.99	%		4.14	%
	4.53	%		3.32	%		2.49	%		2.22	%	Total Interest-Bearing Liabilities		2.26	%		2.12	%		2.19	%		2.31	%		2.50	%		2.71	%		2.88	%
	3.31	%		3.32	%		3.13	%		3.10	%	Net Interest Rate Spread		3.15	%		3.18	%		3.09	%		2.97	%		2.99	%		2.94	%		2.96	%
	3.77	%		3.65	%		3.37	%		3.31	%	Net Interest Margin		3.37	%		3.38	%		3.30	%		3.21	%		3.22	%		3.20	%		3.26	%

(1)	Includes money market investments.
(2)	Includes residential loans held for sale.

PAGE 6

Old National Bancorp
Asset Quality
End of Period
($ in Millions)

2001			2002			2003			2004				2004												2005
													1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr			3rd Qtr			4th Qtr
	73.8			74.2			87.7			95.2		Beginning allowance for loan losses		95.2			100.6			95.1			96.3			85.7			86.3			80.6
	28.7			33.5			85.0			22.4		Provision for loan losses		7.5			7.5			7.4			—			5.1			6.0			6.0
	—			—			(9.3	)		0.7		Transfer to Allow. Unfunded Commitments		1.4			(0.6	)		—			—			—			—		—
	(36.2	)		(27.6	)		(61.6	)		(41.2	)	Gross charge-offs		(5.7	)		(12.7	)		(11.0	)		(11.9	)		(6.3	)		(8.7	)		(9.4	)
	—			—			(14.7	)		(4.6	)	Write-downs from loans sold		—			(1.2	)		—			(3.4	)		—			(5.3	)	—
	7.9			7.6			8.2			13.2		Gross recoveries		2.2			1.4			4.9			4.7			1.8			2.4			4.1
	(28.3	)		(20.0	)		(68.1	)		(32.6	)	Net Charge-offs		(3.5	)		(12.5	)		(6.1	)		(10.6	)		(4.5	)		(11.7	)		(5.3	)
	74.2			87.7			95.2			85.7		Ending allowance for loan losses		100.6			95.1			96.3			85.7			86.3			80.6			81.4
	0.45	%		0.34	%		1.21	%		0.61	%	Net Charge-offs / Average Loans (1)		0.25	%		0.89	%		0.48	%		0.83	%		0.37	%		0.93	%		0.41	%
	6,281.0			5,878.3			5,651.4			5,340.7		Average Loans Outstanding (1)		5,563.0			5,583.2			5,132.3			5,084.3			4,940.4			5,005.9			5,103.2
	6,132.9			5,769.6			5,586.5			4,987.3		EOP Loans Outstanding (1)		5,577.5			5,134.0			5,103.7			4,987.3			4,972.0			5,071.8			5,158.5
	1.21	%		1.52	%		1.70	%		1.72	%	Allowance for Loan Loss / EOP Loans(1)		1.80	%		1.85	%		1.89	%		1.72	%		1.74	%		1.59	%		1.58	%
												Underperforming Assets
	12.6			9.5			5.1			2.4		Loans 90 days and over (still accruing)		2.3			1.4			6.7			2.4			1.8			2.4			1.9
												Non-performing loans:
	37.9			100.3			104.6			54.9		Nonaccrual loans		107.1			97.6			106.0			54.9			55.2			49.0			58.8
	25.9			—			—			—		Renegotiated loans		—			—			—			—			—			—		—
	63.8			100.3			104.6			54.9		Total non-performing loans		107.1			97.6			106.0			54.9			55.2			49.0			58.8
	9.2			7.9			8.8			8.3		Foreclosed properties		5.3			3.9			3.8			8.3			5.1			4.3			3.4
	1.04	%		1.74	%		1.87	%		1.10	%	Non-performing loans / Loans (1)		1.92	%		1.90	%		2.08	%		1.10	%		1.11	%		0.97	%		1.14	%
	116	%		87	%		91	%		156	%	Allowance to Non-performing		94	%		97	%		91	%		156	%		156	%		165	%		138	%

(1) Includes residential loans held for sale.

PAGE 7