Business Segments

9 Months Ended

Sep. 30, 2012

Business Segments

BUSINESS SEGMENTS

The Corporation operates in four reportable segments: Community Banking, Wealth Management, Insurance and Consumer Finance.

• The Community Banking segment provides services traditionally offered by full-service commercial banks, including commercial and individual demand, savings and time deposit accounts and commercial, mortgage and individual installment loans.

• The Wealth Management segment provides a broad range of personal and corporate fiduciary services including the administration of decedent and trust estates. In addition, it offers various alternative products, including securities brokerage and investment advisory services, mutual funds and annuities.

• The Insurance segment includes a full-service insurance agency offering all lines of commercial and personal insurance through major carriers. The Insurance segment also includes a reinsurer.

• The Consumer Finance segment primarily makes installment loans to individuals and purchases installment sales finance contracts from retail merchants. The Consumer Finance segment activity is funded through the sale of the Corporation’s subordinated notes at the finance company’s branch offices.

The following tables provide financial information for these segments of the Corporation. The information provided under the caption “Parent and Other” represents operations not considered to be reportable segments and/or general operating expenses of the Corporation, and includes the parent company, other non-bank subsidiaries and eliminations and adjustments which are necessary for purposes of reconciliation to the consolidated amounts.

	Community Banking		Wealth Management		Insurance		Consumer Finance		Parent and Other			Consolidated
At or for the Three Months Ended September 30, 2012
Interest income	$	97,364	$	—	$	27	$	8,860	$	1,505		$	107,756
Interest expense		10,912		—		—		869		2,444			14,225
Net interest income		86,452		—		27		7,991		(939	)		93,531
Provision for loan losses		6,826		—		—		1,421		182			8,429
Non-interest income		25,048		6,006		3,602		590		(433	)		34,813
Non-interest expense		61,820		4,844		2,947		4,829		400			74,840
Intangible amortization		2,056		80		106		—		—			2,242
Income tax expense (benefit)		11,456		396		204		888		(854	)		12,090
Net income (loss)		29,342		686		372		1,443		(1,100	)		30,743
Total assets		11,803,432		19,075		19,281		170,304		(27,201	)		11,984,891
Total intangibles		693,029		11,392		11,033		1,809		—			717,263
At or for the Three Months Ended September 30, 2011
Interest income	$	88,291	$	3	$	31	$	8,662	$	1,715		$	98,702
Interest expense		14,798		—		—		1,053		2,449			18,300
Net interest income		73,493		3		31		7,609		(734	)		80,402
Provision for loan losses		7,005		—		—		1,353		215			8,573
Non-interest income		22,033		5,653		3,143		509		(1,708	)		29,630
Non-interest expense		55,562		4,402		2,842		4,411		192			67,409
Intangible amortization		1,617		84		107		—		—			1,808
Income tax expense (benefit)		8,230		426		82		896		(1,165	)		8,469
Net income (loss)		23,112		744		143		1,458		(1,684	)		23,773
Total assets		9,755,499		19,869		18,435		171,312		(13,771	)		9,951,344
Total intangibles		575,300		11,716		11,458		1,809		—			600,283
At or for the Nine Months Ended September 30, 2012
Interest income	$	293,756	$	4	$	85	$	25,888	$	4,595		$	324,328
Interest expense		35,130		—		—		2,736		7,529			45,395
Net interest income		258,626		4		85		23,152		(2,934	)		278,933
Provision for loan losses		17,215		—		—		4,218		595			22,028
Non-interest income		72,904		17,889		10,072		1,674		(3,203	)		99,336
Non-interest expense		196,510		14,587		8,658		14,016		1,574			235,345
Intangible amortization		6,334		240		318		—		—			6,892
Income tax expense (benefit)		31,882		1,117		420		2,530		(3,400	)		32,549
Net income (loss)		79,589		1,949		761		4,062		(4,906	)		81,455
Total assets		11,803,432		19,075		19,281		170,304		(27,201	)		11,984,891
Total intangibles		693,029		11,392		11,033		1,809		—			717,263

	Community Banking		Wealth Management		Insurance		Consumer Finance		Parent and Other			Consolidated
At or for the Nine Months Ended September 30, 2011
Interest income	$	264,281	$	9	$	97	$	25,224	$	4,617		$	294,228
Interest expense		46,910		—		—		3,234		7,705			57,849
Net interest income		217,371		9		97		21,990		(3,088	)		236,379
Provision for loan losses		20,653		—		—		4,337		362			25,352
Non-interest income		62,840		17,959		9,702		1,580		(4,761	)		87,320
Non-interest expense		169,938		13,984		8,905		13,116		791			206,734
Intangible amortization		4,838		251		320		—		—			5,409
Income tax expense (benefit)		22,561		1,344		208		2,348		(3,567	)		22,894
Net income (loss)		62,221		2,389		366		3,769		(5,435	)		63,310
Total assets		9,755,499		19,869		18,435		171,312		(13,771	)		9,951,344
Total intangibles		575,300		11,716		11,458		1,809		—			600,283