
	Three Months Ended September 30					Nine Months Ended September 30
(Dollars in thousands)	2011			2010		2011			2010
All other income and commissions:
Bankcard income		$5,258			$4,965		$15,129			$14,785
Bank owned life insurance		5,116			5,913		14,851			18,166
ATM interchange fees		3,709			3,532		11,035			10,421
Other service charges		2,969			2,829		8,641			7,524
Electronic banking fees		1,609			1,870		4,679			5,483
Letter of credit fees		1,407			1,544		5,052			4,985
Gains on extinguishment of debt		-			-		5,761			17,060
Deferred compensation		(2,093	)		1,121		(893	)		1,359
Other		7,268			8,899		21,794			22,309
Total		$25,243			$30,673		$86,049			$102,092
All other expense:
Low income housing expense		$4,712			$5,513		$14,382			$16,343
Advertising and public relations		4,571			6,508		11,919			17,153
Other insurance and taxes		3,352			2,985		10,326			9,715
Travel and entertainment		2,075			2,454		5,982			7,370
Customer relations		1,185			1,535		3,607			5,274
Bank examination costs		1,138			1,147		3,373			3,431
Supplies		1,092			1,120		2,847			3,311
Employee training and dues		1,009			1,116		3,598			3,515
Loan insurance expense ^(a)		744			903		2,231			(1,289	)
Federal services fees		338			520		1,093			2,139
Losses from litigation and regulatory matters ^(b)		-			1,128		40,585			2,397
Other ^(c)		3,706			8,745		26,302			14,467
Total		$23,922			$33,674		$126,245			$83,826

Certain previously reported amounts have been reclassified to agree with current presentation.

(a)	Nine months ended September 30, 2010 includes the cancellation of an HLTV insurance contract and return of $3.8 million of premiums.

(b)	Nine months ended September 30, 2011 includes a $36.7 million loss accrual related to a litigation settlement. See Note 9 - Contingencies and Other Disclosures.

(c)	Nine months ended September 30, 2011 includes $9.0 million charge to terminate technology services contract.