Loans (Tables)

9 Months Ended

Sep. 30, 2012

Loans

Schedule of geographic distributions of loans

	September 30, 2012
	Illinois		Florida		Indiana		Total
	(dollars in thousands)
Commercial	$	365,737	$	13,639	$	20,368	$	399,744
Commercial real estate	770,882		137,822		56,660		965,364
Real estate construction	69,383		14,713		24,246		108,342
Retail real estate	425,641		112,407		10,843		548,891
Retail other	12,477		383		118		12,978
Total	$	1,644,120	$	278,964	$	112,235	$	2,035,319
Less held for sale(1)							24,415
							$	2,010,904
Less allowance for loan losses							49,213
Net loans							$	1,961,691

(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)

	September 30, 2012
	Weighted Avg. Risk Grade	Grades 1,3,6		Grade 7		Grade 8		Grade 9		Grade 10
	(dollars in thousands)
Illinois/Indiana
Commercial	5.06	$	288,724	$	61,778	$	16,409	$	16,583	$	2,611
Commercial real estate	5.53	627,946		98,992		59,048		34,425		7,131
Real estate construction	7.09	50,156		8,531		14,983		14,634		5,325
Retail real estate	3.65	384,541		9,214		8,074		7,096		2,251
Retail other	2.99	12,384		211		—		—		—
Total Illinois/Indiana		$	1,363,751	$	178,726	$	98,514	$	72,738	$	17,318
Florida
Commercial	4.88	$	8,904	$	3,601	$	727	$	218	$	189
Commercial real estate	6.38	79,849		20,143		15,131		18,245		4,454
Real estate construction	7.07	2,770		7,788		3,203		952		—
Retail real estate	4.05	85,201		2,574		17,636		3,390		3,168
Retail other	2.37	383		—		—		—		—
Total Florida		$	177,107	$	34,106	$	36,697	$	22,805	$	7,811
Total		$	1,540,858	$	212,832	$	135,211	$	95,543	$	25,129

	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

	September 30, 2012
	Loans past due, still accruing						Non-accrual
	30-59 Days		60-89 Days		90+Days		Loans
	(dollars in thousands)
Illinois/Indiana
Commercial	$	531	$	491	$	59	$	2,611
Commercial real estate	1,829		1,400		—		7,131
Real estate construction	—		490		—		5,325
Retail real estate	2,036		852		—		2,251
Retail other	27		16		—		—
Total Illinois/Indiana	$	4,423	$	3,249	$	59	$	17,318
Florida
Commercial	$	—	$	—	$	—	$	189
Commercial real estate	—		—		—		4,454
Real estate construction	—		—		—		—
Retail real estate	153		52		—		3,168
Retail other	18		—		—		—
Total Florida	$	171	$	52	$	—	$	7,811
Total	$	4,594	$	3,301	$	59	$	25,129

	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

	September 30, 2012		December 31, 2011
	(dollars in thousands)
Restructured loans:
In compliancewithmodifiedterms	$	19,534	$	32,380
30 – 89 days past due	1,264		1,257
Included in non-performing loans	9,382		12,601
Total	$	30,180	$	46,238

Schedule of performing loans classified as TDRs

	Three Months EndedSeptember 30, 2012			Nine Months EndedSeptember 30, 2012
	Number of contracts	Recorded investment		Number of contracts	Recorded investment
	(dollars in thousands)			(dollars in thousands)
Illinois/Indiana
Commercial	—	$	—	4	$	1,455
Commercial real estate	1	2,069		1	2,069
Real estate construction	—	—		4	3,170
Retail real estate	1	53		11	1,875
Retail other	—	—		—	—
Total Illinois/Indiana	2	$	2,122	20	$	8,569
Florida
Commercial	—	$	—	—	$	—
Commercial real estate	—	—		—	—
Real estate construction	—	—		—	—
Retail real estate	—	—		2	704
Retail other	—	—		—	—
Total Florida	—	$	—	2	$	704
Total	2	$	2,122	22	$	9,273

	Three Months EndedSeptember 30, 2011			Nine Months EndedSeptember 30, 2011
	Number of contracts	Recorded investment		Number of contracts	Recorded investment
	(dollars in thousands)			(dollars in thousands)
Illinois/Indiana
Commercial	1	$	298	1	$	298
Commercial real estate	4	1,647		5	7,084
Real estate construction	—	—		—	—
Retail real estate	1	103		1	104
Retail other	—	—		—	—
Total Illinois/Indiana	6	$	2,048	7	$	7,486
Florida
Commercial	—	$	—	—	$	—
Commercial real estate	2	1,886		2	1,886
Real estate construction	—	—		—	—
Retail real estate	1	110		4	610
Retail other	—	—		—	—
Total Florida	3	$	1,996	6	$	2,496
Total	9	$	4,044	13	$	9,982

Schedule of TDRs classified as non-performing with payment defaults

	Three Months EndedSeptember 30, 2012			Nine Months EndedSeptember 30, 2012
	Number of contracts	Recorded investment		Number of contracts	Recorded investment
	(dollars in thousands)			(dollars in thousands)
Illinois/Indiana
Commercial	5	$	519	5	$	519
Commercial real estate	—	—		—	—
Real estate construction	—	—		1	1,475
Retail real estate	—	—		—	—
Retail other	—	—		—	—
Total Illinois/Indiana	5	$	519	6	$	1,994
Florida
Commercial	—	$	—	—	$	—
Commercial real estate	3	1,451		3	1,451
Real estate construction	—	—		—	—
Retail real estate	2	189		5	1,085
Retail other	—	—		—	—
Total Florida	5	$	1,640	8	$	2,536
Total	10	$	2,159	14	$	4,530

	Three Months EndedSeptember 30, 2011			Nine Months EndedSeptember 30, 2011
	Number of contracts	Recorded investment		Number of contracts	Recorded investment
	(dollars in thousands)			(dollars in thousands)
Illinois/Indiana
Commercial	—	$	—	—	$	—
Commercial real estate	1	75		2	3,011
Real estate construction	—	—		—	—
Retail real estate	—	—		—	—
Retail other	—	—		—	—
Total Illinois/Indiana	1	$	75	2	$	3,011
Florida
Commercial	—	$	—	—	$	—
Commercial real estate	1	2,500		1	2,500
Real estate construction	—	—		1	270
Retail real estate	2	474		4	2,111
Retail other	—	—		—	—
Total Florida	3	$	2,974	6	$	4,881
Total	4	$	3,049	8	$	7,892

Schedule of details of impaired loans, segregated by category

	September 30, 2012
	Unpaid Contractual Principal Balance		Recorded Investment with No Allowance		Recorded Investment with Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment
	(dollars in thousands)
Illinois/Indiana
Commercial	$	12,675	$	7,690	$	30	$	7,720	$	25	$	10,270
Commercial real estate	13,743		10,419		—		10,419		—		16,745
Real estate construction	9,281		8,494		—		8,494		—		8,194
Retail real estate	6,156		4,951		—		4,951		—		5,429
Retail other	—		—		—		—		—		29
Total Illinois/Indiana	$	41,855	$	31,554	$	30	$	31,584	$	25	$	40,667
Florida
Commercial	$	550	$	190	$	—	$	190	$	—	$	454
Commercial real estate	9,141		5,198		1,142		6,340		304		6,895
Real estate construction	2,614		2,614		—		2,614		—		4,510
Retail real estate	17,480		14,478		33		14,511		33		16,210
Retail other	—		—		—		—		—		—
Total Florida	$	29,785	$	22,480	$	1,175	$	23,655	$	337	$	28,069
Total	$	71,640	$	54,034	$	1,205	$	55,239	$	362	$	68,736

	December 31, 2011
	Unpaid Contractual Principal Balance		Recorded Investment with No Allowance		Recorded Investment with Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment
	(dollars in thousands)
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 September 30, 2012
	Commercial			Commercial Real Estate			Real Estate Construction			Retail Real Estate			Retail Other			Total
	(dollars in thousands)
Illinois/Indiana
Beginning balance	$	6,131		$	15,373		$	4,304		$	7,320		$	328		$	33,456
Provision for loan loss	1,209			1,403			324			(358		)	59			2,637
Charged-off	(1,194		)	(1,716		)	(538		)	(463		)	(128		)	(4,039		)
Recoveries	15			6			—			130			43			194
Ending Balance	$	6,161		$	15,066		$	4,090		$	6,629		$	302		$	32,248
Florida
Beginning balance	$	1,871		$	7,426		$	2,348		$	5,756		$	9		$	17,410
Provision for loan loss	(125		)	35			(64		)	1,021			(4		)	863
Charged-off	(6		)	(229		)	(176		)	(1,162		)	—			(1,573		)
Recoveries	110			3			109			40			3			265
Ending Balance	$	1,850		$	7,235		$	2,217		$	5,655		$	8		$	16,965

	For the Nine Months Ended September 30, 2012
	Commercial			Commercial Real Estate			Real Estate Construction			Retail Real Estate			Retail Other			Total
	(dollars in thousands)
Illinois/Indiana
Beginning balance	$	9,143		$	18,605		$	4,352		$	6,473		$	464		$	39,037
Provision for loan loss	(281		)	8,485			856			2,130			67			11,257
Charged-off	(2,880		)	(12,332		)	(1,280		)	(2,517		)	(405		)	(19,414		)
Recoveries	179			308			162			543			176			1,368
Ending Balance	$	6,161		$	15,066		$	4,090		$	6,629		$	302		$	32,248
Florida
Beginning balance	$	1,939		$	8,413		$	2,936		$	6,160		$	21		$	19,469
Provision for loan loss	(522		)	428			(644		)	2,506			(25		)	1,743
Charged-off	(90		)	(1,649		)	(336		)	(3,247		)	(1		)	(5,323		)
Recoveries	523			43			261			236			13			1,076
Ending Balance	$	1,850		$	7,235		$	2,217		$	5,655		$	8		$	16,965

	For the Three Months Ended September 30, 2011
	Commercial			Commercial Real Estate			Real Estate Construction			Retail Real Estate			Retail Other			Total
	(dollars in thousands)
Illinois/Indiana
Beginning balance	$	9,231		$	17,668		$	5,668		$	5,307		$	2,859		$	40,733
Provision for loan loss	(316		)	3,830			631			2,393			(2,072		)	4,466
Charged-off	(868		)	(2,785		)	(1,328		)	(928		)	(203		)	(6,112		)
Recoveries	22			36			—			244			104			406
Ending Balance	$	8,069		$	18,749		$	4,971		$	7,016		$	688		$	39,493
Florida
Beginning balance	$	2,563		$	12,466		$	4,348		$	9,181		$	38		$	28,596
Provision for loan loss	515			1,872			(702		)	(1,135		)	(16		)	534
Charged-off	(892		)	(2,237		)	(461		)	(2,355		)	—			(5,945		)
Recoveries	5			247			6			975			4			1,237
Ending Balance	$	2,191		$	12,348		$	3,191		$	6,666		$	26		$	24,422

	For the Nine Months Ended September 30, 2011
	Commercial			Commercial Real Estate			Real Estate Construction			Retail Real Estate			Retail Other			Total
	(dollars in thousands)
Illinois/Indiana
Beginning balance	$	11,827		$	19,504		$	7,186		$	5,199		$	2,473		$	46,189
Provision for loan loss	191			5,974			(1,182		)	3,881			(2,628		)	6,236
Charged-off	(5,449		)	(6,791		)	(1,532		)	(2,611		)	(475		)	(16,858		)
Recoveries	1,500			62			499			547			1,318			3,926
Ending Balance	$	8,069		$	18,749		$	4,971		$	7,016		$	688		$	39,493
Florida
Beginning balance	$	2,013		$	13,291		$	4,717		$	9,748		$	80		$	29,849
Provision for loan loss	4,101			2,286			451			1,971			(45		)	8,764
Charged-off	(3,931		)	(3,654		)	(2,573		)	(6,701		)	(27		)	(16,886		)
Recoveries	8			425			596			1,648			18			2,695
Ending Balance	$	2,191		$	12,348		$	3,191		$	6,666		$	26		$	24,422

Schedule of allowance for loan losses and recorded investments

	As of September 30, 2012
	Commercial		Commercial Real Estate		Real Estate Construction		Retail Real Estate		Retail Other		Total
	(dollars in thousands)
Illinois/Indiana
Amount allocated to:
Loans individually evaluated for impairment	$	25	$	—	$	—	$	—	$	—	$	25
Loans collectively evaluated for impairment	6,136		15,066		4,090		6,629		302		32,223
Ending Balance	$	6,161	$	15,066	$	4,090	$	6,629	$	302	$	32,248
Loans:
Loans individually evaluated for impairment	$	7,720	$	10,419	$	8,494	$	4,951	$	—	$	31,584
Loans collectively evaluated for impairment	378,385		817,123		85,135		408,131		12,595		1,701,369
Ending Balance	$	386,105	$	827,542	$	93,629	$	413,082	$	12,595	$	1,732,953
Florida
Amount allocated to:
Loans individually evaluated for impairment	$	—	$	304	$	—	$	33	$	—	$	337
Loans collectively evaluated for impairment	1,850		6,931		2,217		5,622		8		16,628
Ending Balance	$	1,850	$	7,235	$	2,217	$	5,655	$	8	$	16,965
Loans:
Loans individually evaluated for impairment	$	190	$	6,340	$	2,614	$	14,511	$	—	$	23,655
Loans collectively evaluated for impairment	13,449		131,482		12,099		96,883		383		254,296
Ending Balance	$	13,639	$	137,822	$	14,713	$	111,394	$	383	$	277,951

	As of December 31, 2011
	Commercial		Commercial Real Estate		Real Estate Construction		Retail Real Estate		Retail Other		Total
	(dollars in thousands)
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