Financial Highlights

Select Period:

	2012 FQ1	2012 FQ2	2012 FQ3	2012 FQ4	2013 FQ1
Period Ended	3/31/2012	6/30/2012	9/30/2012	12/31/2012	3/31/2013
Balance Sheet ($000)
Total Assets	13,085,623	12,913,650	13,139,747	13,099,741	13,005,876
Total Net Loans	9,856,194	9,899,355	9,810,982	9,704,094	9,493,786
Total Deposits	9,908,244	9,900,173	9,896,402	9,864,546	9,983,569
Equity Attributable to Parent Company	1,433,023	1,448,959	1,484,117	1,485,023	1,403,999
Total Equity	1,433,023	1,448,959	1,484,117	1,485,023	1,403,999
Profitability (%)
Net Income ($000)	(13,182)	9,356	19,073	14,535	(72,633)
Net Income Attributable to Parent ($000)	(13,182)	9,356	19,073	14,535	(72,633)
ROAA	(0.40)	0.29	0.59	0.44	(2.22)
Core ROAA	(0.24)	0.33	0.66	0.66	(1.98)
ROAE	(3.66)	2.60	5.01	3.99	(20.11)
ROATCE	(3.82)	2.92	5.47	4.58	(21.32)
Core ROAE	(2.21)	3.01	5.58	5.91	(17.90)
Net Interest Margin	3.23	3.48	4.05	3.97	3.94
Reported: Net Interest Margin	3.25	3.50	4.02	3.94	4.00
Efficiency Ratio	68.06	63.41	57.07	56.10	58.00
Noninterest Inc / Operating Rev	13.51	12.59	12.47	13.83	13.41
Balance Sheet Ratios/ Capital (%)
Loans / Deposits	103.91	104.00	102.95	101.92	95.76
Securities / Assets	14.66	12.45	12.71	13.69	16.17
Total Equity / Total Assets	10.95	11.22	11.29	11.34	10.80
Tangible Equity / Tangible Assets	10.68	10.95	11.04	11.08	10.54
Tang Common Equity / Tang Assets	10.20	10.46	10.56	10.60	10.06
Tier 1 Common Capital Ratio	13.14	13.12	13.33	13.61	13.18
Tier 1 Ratio	16.04	15.98	16.20	16.51	16.15
Risk-based Capital Ratio	17.36	17.30	17.52	17.82	17.44
Leverage Ratio (Bank, BHC Only)	12.31	12.51	12.71	12.60	12.06
Core Cap / Tang Assets (OTS Only)	NA	NA	NA	NA	NA
Asset Quality (%)
NPAs / Assets	13.56	13.76	13.35	13.31	11.68
NPA Excl Restructured / Assets	10.18	10.13	9.58	9.45	8.35
NPAs & 90+ PD / Assets	13.93	14.04	13.73	13.68	11.99
NPAs / Loans & REO	16.81	16.76	16.70	16.76	15.06
Nonaccrual & 90+ & OREO / Assets	10.56	10.42	9.96	9.82	8.67
NPAs & 90+ PD / Loans & REO	17.28	17.11	17.17	17.23	15.46
NPA & Loans 90+ / Tangible Common Equity + LLR	100.47	100.50	98.65	98.45	94.73
NCOs / Avg Loans	1.78	2.03	1.58	1.59	8.10
Loan Loss Reserves / Gross Loans	4.68	4.41	4.34	4.29	3.48
Reserves / NPAs	27.28	25.74	25.40	24.98	22.54
Loan Loss Provision / NCO	78.40	48.16	71.36	75.07	54.47
Per Share Information ($)
Common Shares Outstanding (actual)	206,134,458	206,134,458	206,179,368	206,235,465	206,227,980
Avg Diluted Shares (actual)	205,217,068	205,952,000	205,923,000	206,220,000	205,465,000
Basic Book Value per Share	6.65	6.72	6.89	6.89	6.50
As-reported Book Value per Share	6.65	6.72	6.89	6.89	6.50
Basic Tangible Book Value per Share	6.46	6.54	6.71	6.71	6.32
Reported: Tangible Book Value	6.46	6.42	6.59	6.60	6.21
Common Dividends Declared per Share	0	0	0	0	0
EPS after Extra	(0.06)	0.05	0.09	0.07	(0.35)
EPS after Extra Growth (%)	NM	NM	NM	(94.8)	NM
Core EPS	(0.04)	0.06	0.10	0.10	(0.31)
Core EPS Growth (%)	NM	NM	NM	(92.3)	NM
Diluted EPS before Amortization	(0.06)	0.05	0.09	0.08	(0.34)
Pre-Provision Earnings Per Share	0.10	0.13	0.16	0.17	0.16

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