Annual report pursuant to Section 13 and 15(d)

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

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CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)
In Thousands, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
INTEREST INCOME      
Interest and Fees on Loans $ 85,394 $ 94,944 $ 105,710
Investment Securities:      
Taxable Securities 2,912 3,321 2,681
Tax Exempt Securities 428 647 1,517
Funds Sold 946 547 587
Total Interest Income 89,680 99,459 110,495
INTEREST EXPENSE      
Deposits 2,108 3,947 8,645
Short-Term Borrowings 196 305 159
Subordinated Notes Payable 1,477 1,380 2,008
Other Long-Term Borrowings 1,587 1,905 2,150
Total Interest Expense 5,368 7,537 12,962
NET INTEREST INCOME 84,312 91,922 97,533
Provision for Loan Losses 16,166 18,996 23,824
Net Interest Income After Provision for Loan Losses 68,146 72,926 73,709
NONINTEREST INCOME      
Service Charges on Deposit Accounts 25,792 25,451 26,500
Data Processing Fees 2,713 3,230 3,610
Asset Management Fees 4,155 4,364 4,235
Retail Brokerage Fees 3,026 3,251 2,820
Securities Transactions       8
Mortgage Banking Fees 3,600 2,675 2,948
Bank Card Fees 10,783 10,141 9,200
Other 5,116 9,736 7,504
Total Noninterest Income 55,185 58,848 56,825
NONINTEREST EXPENSE      
Compensation 64,242 63,642 62,755
Occupancy, Net 9,074 9,622 10,010
Furniture and Equipment 8,903 8,558 8,929
Intangible Amortization 431 675 2,682
Other Real Estate 11,506 12,677 14,922
Other 30,403 31,074 34,618
Total Noninterest Expense 124,559 126,248 133,916
INCOME (LOSS) BEFORE INCOME TAXES (1,228) 5,526 (3,382)
Income Tax (Benefit) Expense (1,336) 629 (2,969)
NET INCOME (LOSS) 108 4,897 (413)
BASIC NET INCOME (LOSS) PER SHARE (in dollers per shares) $ 0.01 $ 0.29 $ (0.02)
DILUTED NET INCOME (LOSS) PER SHARE (in dollers per shares) $ 0.01 $ 0.29 $ (0.02)
Components of Other Comprehensive Loss:      
Change in Funded Status of Pension Plans, net of tax benefit of $3,479, $5,135, and $628 5,539 8,175 1,000
Change in Net Unrealized Gain on Available-for-Sale Securities, net of tax benefit (expense) of $295, ($203), and ($41) (491) 397 79
Total Other Comprehensive Loss (6,030) (7,778) (921)
TOTAL COMPREHENSIVE LOSS $ (5,922) $ (2,881) $ (1,334)
Average Basic Common Shares Outstanding (in shares) 17,205 17,140 17,076
Average Diluted Common Shares Outstanding (in shares) 17,220 17,140 17,077