Loans (Tables)

6 Months Ended

Jun. 30, 2012

Loans

Schedule of geographic distributions of loans

	June 30, 2012
	Illinois		Florida		Indiana		Total
	(dollars in thousands)
Commercial	$	362,325	$	12,640	$	21,489	$	396,454
Commercial real estate	753,879		135,852		54,592		944,323
Real estate construction	68,975		15,252		23,161		107,388
Retail real estate	435,560		114,802		9,040		559,402
Retail other	13,816		426		122		14,364
Total	$	1,634,555	$	278,972	$	108,404	$	2,021,931
Less held for sale(1)							35,060
							$	1,986,871
Less allowance for loan losses							50,866
Net loans							$	1,936,005

(1)Loans held for sale are included in retail real estate.

	December 31, 2011
	Illinois		Florida		Indiana		Total
	(dollars in thousands)
Commercial	$	375,238	$	10,830	$	21,787	$	407,855
Commercial real estate	793,769		135,360		51,087		980,216
Real estate construction	72,569		16,186		16,110		104,865
Retail real estate	410,844		120,190		9,112		540,146
Retail other	17,547		581		134		18,262
Total	$	1,669,967	$	283,147	$	98,230	$	2,051,344
Less held for sale(1)							15,249
							$	2,036,095
Less allowance for loan losses							58,506
Net loans							$	1,977,589

(1) Loans held for sale are included in retail real estate.

Schedule of weighted average risk grades segregated by class of loans (excluding held-for-sale, non posted and clearings)

	June 30, 2012
	Weighted Avg. Risk Grade	Grades 1,3,6		Grade 7		Grade 8		Grade 9		Grade 10
	(dollars in thousands)
Illinois/Indiana
Commercial	5.16	$	286,395	$	64,393	$	15,569	$	13,574	$	3,884
Commercial real estate	5.69	609,459		87,720		60,188		38,819		12,285
Real estate construction	7.24	42,850		9,757		18,925		14,519		6,086
Retail real estate	3.69	380,758		9,981		8,097		7,370		3,053
Retail other	3.13	13,247		272		—		419		—
Total Illinois/Indiana		$	1,332,709	$	172,123	$	102,779	$	74,701	$	25,308
Florida
Commercial	4.98	$	7,903	$	3,613	$	742	$	192	$	189
Commercial real estate	6.41	76,946		19,767		16,747		17,386		5,006
Real estate construction	7.33	1,576		7,500		4,571		969		635
Retail real estate	4.03	85,670		2,515		18,341		3,402		2,622
Retail other	2.48	426		—		—		—		—
Total Florida		$	172,521	$	33,395	$	40,401	$	21,949	$	8,452
Total		$	1,505,230	$	205,518	$	143,180	$	96,650	$	33,760

	December 31, 2011
	Weighted Avg. Risk Grade	Grades 1,3,6		Grade 7		Grade 8		Grade 9		Grade 10
	(dollars in thousands)
Illinois/Indiana
Commercial	5.12	$	298,332	$	43,566	$	28,172	$	17,884	$	9,071
Commercial real estate	5.75	617,247		95,553		69,185		54,670		8,201
Real estate construction	7.65	22,002		7,998		34,374		18,841		5,464
Retail real estate	3.67	378,355		8,581		3,561		4,041		4,768
Retail other	3.17	16,506		676		—		428		71
Total Illinois/Indiana		$	1,332,442	$	156,374	$	135,292	$	95,864	$	27,575
Florida
Commercial	6.32	$	5,471	$	4,329	$	191	$	271	$	568
Commercial real estate	6.44	73,021		21,296		18,677		17,124		5,242
Real estate construction	7.97	1,417		341		12,352		840		1,236
Retail real estate	4.14	89,195		2,227		20,071		4,470		3,719
Retail other	2.41	580		—		1		—		—
Total Florida		$	169,684	$	28,193	$	51,292	$	22,705	$	10,765
Total		$	1,502,126	$	184,567	$	186,584	$	118,569	$	38,340

Schedule of age analysis of past due loans still accruing and non-accrual loans

	June 30, 2012
	Loans past due, still accruing						Non-accrual
	30-59 Days		60-89 Days		90+Days		Loans
	(dollars in thousands)
Illinois/Indiana
Commercial	$	316	$	100	$	57	$	3,884
Commercial real estate	294		1,176		—		12,285
Real estate construction	—		—		—		6,086
Retail real estate	1,092		443		—		3,053
Retail other	1		—		—		—
Total Illinois/Indiana	$	1,703	$	1,719	$	57	$	25,308
Florida
Commercial	$	—	$	—	$	—	$	189
Commercial real estate	590		—		—		5,006
Real estate construction	—		—		—		635
Retail real estate	210		18		—		2,622
Retail other	—		—		—		—
Total Florida	$	800	$	18	$	—	$	8,452
Total	$	2,503	$	1,737	$	57	$	33,760

	December 31, 2011
	Loans past due, still accruing						Non-accrual
	30-59 Days		60-89 Days		90+Days		Loans
	(dollars in thousands)
Illinois/Indiana
Commercial	$	131	$	44	$	48	$	9,071
Commercial real estate	1,384		—		73		8,201
Real estate construction	—		—		—		5,464
Retail real estate	2,051		242		52		4,768
Retail other	23		2		—		71
Total Illinois/Indiana	$	3,589	$	288	$	173	$	27,575
Florida
Commercial	$	—	$	—	$	—	$	568
Commercial real estate	606		—		—		5,242
Real estate construction	—		—		—		1,236
Retail real estate	179		—		—		3,719
Retail other	—		50		—		—
Total Florida	$	785	$	50	$	—	$	10,765
Total	$	4,374	$	338	$	173	$	38,340

Schedule of restructured loans

	June 30, 2012		December 31, 2011
	(dollars in thousands)
Restructured loans:
In compliancewithmodifiedterms	$	20,564	$	32,380
30 — 89 days past due	209		1,257
Included in non-performing loans	13,176		12,601
Total	$	33,949	$	46,238

Schedule of performing loans classified as TDRs

	Three Months EndedJune 30, 2012			Six Months EndedJune 30, 2012
	Number of contracts	Recorded investment		Number of contracts	Recorded investment
	(dollar in thousands)			(dollar in thousands)
Illinois/Indiana
Commercial	3	$	790	5	$	2,070
Commercial real estate	—	—		—	—
Real estate construction	3	310		4	3,329
Retail real estate	11	1,914		11	1,914
Retail other	—	—		—	—
Total Illinois/Indiana	17	$	3,014	20	$	7,313
Florida
Commercial	—	$	—	—	$	—
Commercial real estate	—	—		—
Real estate construction	—	—		—
Retail real estate	2	706		2	706
Retail other	—	—		—
Total Florida	2	$	706	2	$	706
Total	19	$	3,720	22	$	8,019

Schedule of TDRs classified as non-performing with payment defaults

	Three Months EndedJune 30, 2012			Six Months EndedJune 30, 2012
	Number of contracts	Recorded investment		Number of contracts	Recorded investment
	(dollar in thousands)			(dollar in thousands)
Illinois/Indiana
Commercial	—	$	—	—	$	—
Commercial real estate	—	—		1	4,068
Real estate construction	1	1,652		1	1,652
Retail real estate	—	—		—	—
Retail other	—	—		—	—
Total Illinois/Indiana	1	$	1,652	2	$	5,720
Florida
Commercial	—	$	—	—	$	—
Commercial real estate	—	—		—	—
Real estate construction	—	—		1	635
Retail real estate	3	896		3	896
Retail other	—	—		—	—
Total Florida	3	$	896	4	$	1,531
Total	4	$	2,548	6	$	7,251

Schedule of details of impaired loans, segregated by category

	June 30, 2012
	Unpaid Contractual Principal Balance		Recorded Investment with No Allowance		Recorded Investment with Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment
Illinois/Indiana
Commercial	$	12,715	$	8,831	$	32	$	8,863	$	32	$	10,405
Commercial real estate	18,172		13,519		1,176		14,695		356		18,109
Real estate construction	9,609		8,134		1,205		9,339		340		7,865
Retail real estate	7,015		5,796		—		5,796		—		5,783
Retail other	—		—		—		—		—		38
Total Illinois/Indiana	$	47,511	$	36,280	$	2,413	$	38,693	$	728	$	42,200
Florida
Commercial	$	550	$	189	$	—	$	189	$	—	$	766
Commercial real estate	10,131		5,703		568		6,271		204		8,485
Real estate construction	5,027		4,590		—		4,590		—		5,259
Retail real estate	16,960		14,651		33		14,684		33		17,835
Retail other	—		—		—		—		—		1
Total Florida	$	32,668	$	25,133	$	601	$	25,734	$	237	$	32,346
Total	$	80,179	$	61,413	$	3,014	$	64,427	$	965	$	74,546

	December 31, 2011
	Unpaid Contractual Principal Balance		Recorded Investment with No Allowance		Recorded Investment with Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment
Illinois/Indiana
Commercial	$	18,524	$	11,090	$	2,889	$	13,979	$	697	$	11,495
Commercial real estate	22,408		15,270		4,134		19,404		1,421		20,059
Real estate construction	7,746		7,079		—		7,079		—		6,552
Retail real estate	7,669		5,657		—		5,657		—		6,820
Retail other	71		71		—		71		—		37
Total Illinois/Indiana	$	56,418	$	39,167	$	7,023	$	46,190	$	2,118	$	44,963
Florida
Commercial	$	1,088	$	568	$	—	$	568	$	—	$	2,046
Commercial real estate	9,011		5,699		826		6,525		826		12,572
Real estate construction	7,994		5,238		—		5,238		—		6,758
Retail real estate	20,928		17,762		—		17,762		—		21,928
Retail other	—		—		—		—		—		4
Total Florida	$	39,021	$	29,267	$	826	$	30,093	$	826	$	43,308
Total	$	95,439	$	68,434	$	7,849	$	76,283	$	2,944	$	88,271

Schedule of activity on the allowance for loan losses

	For the Three Months Ended June 30, 2012
	Commercial			Commercial Real Estate			Real Estate Construction			Retail Real Estate			Retail Other			Total
Illinois/Indiana
Beginning balance	$	6,982		$	18,110		$	3,909		$	5,514		$	345		$	34,860
Provision for loan loss	483			(578		)	849			2,750			59			3,563
Charged-off	(1,407		)	(2,192		)	(454		)	(1,193		)	(131		)	(5,377		)
Recoveries	73			33			—			249			55			410
Ending Balance	$	6,131		$	15,373		$	4,304		$	7,320		$	328		$	33,456
Florida
Beginning balance	$	1,741		$	8,277		$	2,540		$	6,405		$	12		$	18,975
Provision for loan loss	166			348			(180		)	608			(5		)	937
Charged-off	(44		)	(1,204		)	(91		)	(1,321		)	(1		)	(2,661		)
Recoveries	8			5			79			64			3			159
Ending Balance	$	1,871		$	7,426		$	2,348		$	5,756		$	9		$	17,410

	For the Six Months Ended June 30, 2012
	Commercial			Commercial Real Estate			Real Estate Construction			Retail Real Estate			Retail Other			Total
Illinois/Indiana
Beginning balance	$	9,143		$	18,605		$	4,352		$	6,473		$	464		$	39,037
Provision for loan loss	(1,490		)	7,082			532			2,488			8			8,620
Charged-off	(1,686		)	(10,616		)	(742		)	(2,054		)	(277		)	(15,375		)
Recoveries	164			302			162			413			133			1,174
Ending Balance	$	6,131		$	15,373		$	4,304		$	7,320		$	328		$	33,456
Florida
Beginning balance	$	1,939		$	8,413		$	2,936		$	6,160		$	21		$	19,469
Provision for loan loss	(397		)	393			(580		)	1,485			(21		)	880
Charged-off	(84		)	(1,420		)	(160		)	(2,085		)	(1		)	(3,750		)
Recoveries	413			40			152			196			10			811
Ending Balance	$	1,871		$	7,426		$	2,348		$	5,756		$	9		$	17,410

	For the Three Months Ended June 30, 2011
	Commercial			Commercial Real Estate			Real Estate Construction			Retail Real Estate			Retail Other			Total
Illinois/Indiana
Beginning balance	$	10,668		$	20,858		$	6,150		$	6,035		$	735		$	44,446
Provision for loan loss	(148		)	146			(650		)	159			1,223			730
Charged-off	(1,623		)	(3,362		)	(32		)	(1,002		)	(148		)	(6,167		)
Recoveries	334			26			200			115			1,049			1,724
Ending Balance	$	9,231		$	17,668		$	5,668		$	5,307		$	2,859		$	40,733
Florida
Beginning balance	$	1,999		$	14,163		$	4,706		$	9,473		$	62		$	30,403
Provision for loan loss	2,580			(553		)	425			1,844			(26		)	4,270
Charged-off	(2,016		)	(1,210		)	(800		)	(2,792		)	—			(6,818		)
Recoveries	—			66			17			656			2			741
Ending Balance	$	2,563		$	12,466		$	4,348		$	9,181		$	38		$	28,596

	For the Six Months Ended June 30, 2011
	Commercial			Commercial Real Estate			Real Estate Construction			Retail Real Estate			Retail Other			Total
Illinois/Indiana
Beginning balance	$	11,827		$	19,504		$	7,186		$	5,199		$	2,473		$	46,189
Provision for loan loss	507			2,144			(1,813		)	1,488			(556		)	1,770
Charged-off	(4,581		)	(4,006		)	(204		)	(1,683		)	(272		)	(10,746		)
Recoveries	1,478			26			499			303			1,214			3,520
Ending Balance	$	9,231		$	17,668		$	5,668		$	5,307		$	2,859		$	40,733
Florida
Beginning balance	$	2,013		$	13,291		$	4,717		$	9,748		$	80		$	29,849
Provision for loan loss	3,586			414			1,153			3,106			(29		)	8,230
Charged-off	(3,039		)	(1,417		)	(2,112		)	(4,346		)	(27		)	(10,941		)
Recoveries	3			178			590			673			14			1,458
Ending Balance	$	2,563		$	12,466		$	4,348		$	9,181		$	38		$	28,596

Schedule of allowance for loan losses and recorded investments

	As of June 30, 2012
	Commercial		Commercial Real Estate		Real Estate Construction		Retail Real Estate		Retail Other		Total
Illinois/Indiana
Amount allocated to:
Loans individually evaluated for impairment	$	32	$	356	$	340	$	—	$	—	$	728
Loans collectively evaluated for impairment	6,099		15,017		3,964		7,320		328		32,728
Ending Balance	$	6,131	$	15,373	$	4,304	$	7,320	$	328	$	33,456
Loans:
Loans individually evaluated for impairment	$	8,863	$	14,695	$	9,339	$	5,796	$	—	$	38,693
Loans collectively evaluated for impairment	374,951		793,776		82,797		405,997		13,938		1,671,459
Ending Balance	$	383,814	$	808,471	$	92,136	$	411,793	$	13,938	$	1,710,152
Florida
Amount allocated to:
Loans individually evaluated for impairment	$	—	$	204	$	—	$	33	$	—	$	237
Loans collectively evaluated for impairment	1,871		7,222		2,348		5,723		9		17,173
Ending Balance	$	1,871	$	7,426	$	2,348	$	5,756	$	9	$	17,410
Loans:
Loans individually evaluated for impairment	$	189	$	6,271	$	4,590	$	14,684	$	—	$	25,734
Loans collectively evaluated for impairment	12,451		129,581		10,662		97,865		426		250,985
Ending Balance	$	12,640	$	135,852	$	15,252	$	112,549	$	426	$	276,719

	As of December 31, 2011
	Commercial		Commercial Real Estate		Real Estate Construction		Retail Real Estate		Retail Other		Total
Illinois/Indiana
Amount allocated to:
Loans individually evaluated for impairment	$	697	$	1,421	$	—	$	—	$	—	$	2,118
Loans collectively evaluated for impairment	8,446		17,184		4,352		6,473		464		36,919
Ending Balance	$	9,143	$	18,605	$	4,352	$	6,473	$	464	$	39,037
Loans:
Loans individually evaluated for impairment	$	13,979	$	19,404	$	7,079	$	5,657	$	71	$	46,190
Loans collectively evaluated for impairment	383,046		825,452		81,600		400,244		17,610		1,707,952
Ending Balance	$	397,025	$	844,856	$	88,679	$	405,901	$	17,681	$	1,754,142
Florida
Amount allocated to:
Loans individually evaluated for impairment	$	—	$	826	$	—	$	—	$	—	$	826
Loans collectively evaluated for impairment	1,939		7,587		2,936		6,160		21		18,643
Ending Balance	$	1,939	$	8,413	$	2,936	$	6,160	$	21	$	19,469
Loans:
Loans individually evaluated for impairment	$	568	$	6,525	$	5,238	$	17,762	$	—	$	30,093
Loans collectively evaluated for impairment	10,262		128,835		10,948		101,234		581		251,860
Ending Balance	$	10,830	$	135,360	$	16,186	$	118,996	$	581	$	281,953