Selected Financial Information

EX-99.2 3 dex992.htm SELECTED FINANCIAL INFORMATION Selected Financial Information

Exhibit 99.2

First Midwest Bancorp, Inc.

(Amounts in thousands, except per share data)


	2008										2007										2006				2005
	Dec. 31 /YTD		4th Quarter		3rd Quarter		2nd Quarter		1st Quarter		Dec. 31 /YTD		4th Quarter		3rd Quarter		2nd Quarter		1st Quarter		Dec. 31 /YTD		4th Quarter		Dec. 31 /YTD
Period-End Balance Sheet
Total assets	$	8,528,341	$	8,528,341	$	8,246,655	$	8,311,025	$	8,315,368	$	8,091,518	$	8,091,518	$	7,884,345	$	8,055,358	$	8,235,110	$	8,441,526	$	8,441,526	$	7,210,151
Securities HTM - amortized cost		84,306		84,306		85,982		94,580		95,651		97,671		97,671		92,913		104,152		103,697		91,380		91,380		56,772
Securities HTM - fair market value		84,592		84,592		86,193		94,829		96,013		97,931		97,931		93,151		104,317		103,951		91,602		91,602		56,791
Securities AFS - fair market value		2,216,186		2,216,186		2,024,881		2,106,461		2,100,602		2,080,046		2,080,046		1,869,590		2,128,683		2,241,608		2,387,788		2,387,788		2,233,120
FHLB and FRB Stock		54,767		54,767		54,767		54,767		54,767		54,767		54,767		54,767		54,767		54,767		54,886		54,886		53,510
Mortgages held for sale		—		—		—		—		—		394		394		1,408		5,665		3,674		4,760		4,760		4,301
*Loans:*
Commercial and industrial		1,490,101		1,490,101		1,485,541		1,448,723		1,396,665		1,347,481		1,347,481		1,378,509		1,402,282		1,395,876		1,413,263		1,413,263		1,161,660
Agricultural		142,635		142,635		159,217		207,438		200,614		181,358		181,358		158,015		156,594		175,554		158,305		158,305		131,689
Real estate - office, retail, and industrial		1,127,689		1,127,689		1,092,268		1,048,547		1,020,403		942,065		942,065		930,386		915,058		901,472		895,666		895,666		744,814
Real estate - residential land and development		509,059		509,059		509,974		510,818		515,052		505,194		505,194		468,635		454,901		450,818		451,186		451,186		319,842
Real estate - multifamily		237,646		237,646		204,029		195,815		188,474		178,602		178,602		181,077		205,821		267,754		278,009		278,009		311,340
Real estate - other commercial		1,106,952		1,106,952		1,021,662		1,014,759		952,622		1,024,490		1,024,490		1,038,364		978,424		973,730		945,275		945,275		766,299
Real estate - 1-4 family		198,197		198,197		205,851		213,295		224,895		220,741		220,741		200,694		206,506		211,489		215,464		215,464		143,286
Direct consumer		535,240		535,240		529,325		522,913		521,125		530,641		530,641		533,885		538,662		552,809		573,128		573,128		570,042
Indirect consumer		12,544		12,544		15,715		20,047		25,915		33,100		33,100		41,907		51,610		64,118		78,648		78,648		157,219

Total loans		5,360,063		5,360,063		5,223,582		5,182,355		5,045,765		4,963,672		4,963,672		4,931,472		4,909,858		4,993,620		5,008,944		5,008,944		4,306,191
*Other Assets:*
Other earning assets		20,584		20,584		15,816		18,060		19,113		19,397		19,397		20,865		20,734		17,868		5,081		5,081		1,607
Total earning assets		7,735,906		7,735,906		7,405,028		7,456,223		7,315,898		7,215,947		7,215,947		6,971,015		7,223,859		7,415,234		7,552,839		7,552,839		6,655,501
Corporate owned life insurance		198,533		198,533		207,390		206,132		203,987		203,535		203,535		201,418		199,396		197,421		196,598		196,598		156,441
Goodwill and other intangibles		284,548		284,548		285,643		286,737		287,141		288,235		288,235		289,341		290,447		291,552		292,658		292,658		95,997
*Deposits:*
Demand deposits		1,040,763		1,040,763		1,056,905		1,077,659		1,060,545		1,064,684		1,064,684		1,082,068		1,070,528		1,073,065		1,124,081		1,124,081		976,557
Interest bearing deposits		4,544,991		4,544,991		4,601,379		4,707,504		4,661,017		4,714,177		4,714,177		4,752,107		4,744,216		4,834,377		5,043,135		5,043,135		4,171,275

Total deposits		5,585,754		5,585,754		5,658,284		5,785,163		5,721,562		5,778,861		5,778,861		5,834,175		5,814,744		5,907,442		6,167,216		6,167,216		5,147,832
Fed funds purchased and repurchase agreements		737,598		737,598		928,966		676,571		569,662		665,164		665,164		514,438		573,064		598,035		612,608		612,608		746,057
Other borrowed funds		960,736		960,736		625,737		813,337		844,064		599,064		599,064		484,064		599,126		639,621		569,660		569,660		548,475
Subordinated debt		232,409		232,409		232,442		232,476		232,509		230,082		230,082		227,948		226,118		228,274		228,674		228,674		130,092
Stockholders’ equity		908,279		908,279		718,909		724,034		737,927		723,975		723,975		727,928		741,060		753,988		751,014		751,014		544,068
Stockholders’ equity, excluding OCI		926,321		926,321		770,716		759,983		747,260		735,702		735,702		764,313		776,208		770,326		766,302		766,302		552,352
Stockholders’ equity, preferred		192,330		192,330		—		—		—		—		—		—		—		—		—		—		—
Stockholders’ equity, common		715,949		715,949		718,909		724,034		737,927		723,975		723,975		727,928		741,060		753,988		751,014		751,014		544,068
Stockholders’ equity, common excluding OCI		733,991		733,991		770,716		759,983		747,260		735,702		735,702		764,313		776,208		770,326		766,302		766,302		552,352
Trust assets under management		3,527,028		3,527,028		3,806,344		3,938,484		3,972,697		3,666,047		3,666,047		3,773,254		3,750,484		3,619,776		3,627,144		3,627,144		2,533,086

Average Balance Sheet
Total assets	$	8,225,440	$	8,365,535	$	8,275,818	$	8,187,594	$	8,070,724	$	8,091,333	$	7,920,731	$	7,991,143	$	8,151,473	$	8,307,340	$	8,255,764	$	8,502,699	$	7,042,670
Securities - HTM taxable		7,670		7,575		7,647		7,701		7,756		9,450		8,170		9,306		9,797		10,555		9,848		9,588		10,644
Securities - HTM tax-exempt		84,718		78,089		82,213		90,682		87,991		88,099		81,814		88,407		97,716		84,485		91,046		86,951		52,611
Securities - AFS taxable		1,171,264		1,195,909		1,192,899		1,162,348		1,133,390		1,268,389		1,140,075		1,255,618		1,317,102		1,363,295		1,456,220		1,431,859		1,535,395
Securities - AFS tax-exempt		936,933		917,418		931,565		943,278		955,745		906,905		915,398		864,559		896,428		952,104		998,727		1,021,820		643,422
FHLB and FRB Stock		54,767		54,767		54,767		54,767		54,767		54,774		54,767		54,767		54,767		54,852		59,056		61,258		52,578
Total loans		5,149,879		5,275,981		5,205,188		5,097,586		5,018,767		4,943,479		4,921,210		4,895,800		4,944,483		5,013,967		4,869,360		5,046,665		4,214,750
Other earning assets		35,310		58,231		24,868		37,327		20,676		30,507		26,955		29,798		33,590		31,741		10,892		10,459		7,917

Total earning assets		7,440,541		7,587,970		7,499,147		7,393,689		7,279,092		7,301,603		7,148,389		7,198,255		7,353,883		7,510,999		7,495,149		7,668,600		6,517,317
*Deposits:*
Demand deposits		1,043,972		1,043,596		1,053,530		1,053,339		1,025,320		1,055,251		1,050,954		1,051,292		1,061,987		1,056,880		1,052,413		1,086,979		931,711
Savings deposits		792,524		748,065		784,646		823,196		814,764		754,009		788,526		774,133		746,702		705,543		653,321		679,681		615,324
NOW accounts		935,429		923,643		983,364		953,808		880,505		900,956		885,966		941,488		905,683		870,064		924,539		936,793		893,706
Money market deposits		787,218		737,658		770,967		818,815		822,154		859,864		854,409		864,001		858,639		862,452		867,775		882,627		672,411

Core transactional deposits		3,559,143		3,452,962		3,592,507		3,649,158		3,542,743		3,570,080		3,579,855		3,630,914		3,573,011		3,494,939		3,498,048		3,586,080		3,113,152
Time deposits > $100,000		802,500		738,486		839,495		830,166		802,149		827,907		810,802		822,079		844,232		834,844		746,036		854,693		604,270
Time deposits < $100,000		1,369,879		1,444,120		1,330,535		1,331,445		1,373,034		1,491,995		1,429,534		1,386,797		1,491,777		1,663,599		1,683,866		1,713,424		1,361,440

Total time deposits		2,172,379		2,182,606		2,170,030		2,161,611		2,175,183		2,319,902		2,240,336		2,208,876		2,336,009		2,498,443		2,429,902		2,568,117		1,965,710

Total deposits		5,731,522		5,635,568		5,762,537		5,810,769		5,717,926		5,889,982		5,820,191		5,839,790		5,909,020		5,993,382		5,927,950		6,154,197		5,078,862
FFP, repos, other borrowed funds		1,438,908		1,638,037		1,476,403		1,331,195		1,307,398		1,131,700		1,046,041		1,093,068		1,162,315		1,227,797		1,339,826		1,265,370		1,235,205
Subordinated debt		231,961		232,425		232,458		232,492		230,458		227,756		227,973		226,180		228,229		228,667		206,449		228,746		130,377
Total funding sources		7,402,391		7,506,030		7,471,398		7,374,456		7,255,782		7,249,438		7,094,205		7,159,038		7,299,564		7,449,846		7,474,225		7,648,313		6,444,444
Stockholders’ equity		764,731		845,755		735,022		745,128		732,458		750,111		738,664		741,820		760,010		760,277		695,020		762,535		538,515
Stockholders’ equity, preferred		14,234		56,627		—		—		—		—		—		—		—		—		—		—		—
Stockholders’ equity, common		750,497		789,128		735,022		745,128		732,458		750,111		738,664		741,820		760,010		760,277		695,020		762,535		538,515

First Midwest Bancorp, Inc.

Selected Financial Information

(Amounts in thousands, except per share data)


	2008															2007															2006						2005
	Dec. 31 /YTD			4th Quarter			3rd Quarter			2nd Quarter			1st Quarter			Dec. 31 /YTD			4th Quarter			3rd Quarter			2nd Quarter			1st Quarter			Dec. 31 /YTD			4th Quarter			Dec. 31 /YTD
Income Statement
Interest income	$	409,207		$	97,933		$	101,486		$	101,313		$	108,475		$	476,961		$	114,611		$	120,090		$	120,671		$	121,589		$	476,409		$	125,397		$	366,700
Interest expense		162,610			32,920			38,728			40,987			49,975			236,832			56,513			59,393			59,707			61,219			224,550			62,634			130,850

Net interest income		246,597			65,013			62,758			60,326			58,500			240,129			58,098			60,697			60,964			60,370			251,859			62,763			235,850
Loan loss provision		70,254			42,385			13,029			5,780			9,060			7,233			2,042			470			1,761			2,960			10,229			3,865			8,930
Service charges on deposit accounts		44,987			11,206			11,974			11,385			10,422			45,015			11,986			11,959			11,483			9,587			40,036			10,594			30,199
Trust and investment management fees		15,130			3,420			3,818			3,945			3,947			15,701			4,061			3,934			3,916			3,790			14,269			3,666			12,593
Other service charges, commissions, and fees		18,846			4,554			4,834			4,456			5,002			22,183			5,324			5,601			6,099			5,159			20,135			5,362			17,572
Card-based fees		16,143			3,868			4,141			4,236			3,898			15,925			3,979			4,054			4,181			3,711			13,777			3,712			10,207

Subtotal, total fee-based revenue		95,106			23,048			24,767			24,022			23,269			98,824			25,350			25,548			25,679			22,247			88,217			23,334			70,571
Corporate owned life insurance income		(2,369	)		(8,858	)		1,882			2,145			2,462			8,033			2,117			2,023			1,982			1,911			7,616			1,966			5,163
Security (losses) gains, net		(35,611	)		(34,215	)		(1,746	)		(4,618	)		4,968			(50,801	)		(50,041	)		(5,165	)		961			3,444			4,269			3,371			(3,315	)
Other income		(3,119	)		(2,104	)		(1,209	)		874			(680	)		4,197			109			989			2,001			1,098			3,181			982			2,193

Total noninterest income		54,007			(22,129	)		23,694			22,423			30,019			60,253			(22,465	)		23,395			30,623			28,700			103,283			29,653			74,612
Salaries and employee benefits		99,910			20,356			26,996			26,368			26,190			111,598			27,686			27,354			29,008			27,550			106,201			26,507			95,179
Occupancy and equipment expense		33,334			8,421			8,216			7,979			8,718			32,594			8,224			8,266			7,976			8,128			30,380			7,747			25,173
Other real estate expense, net		3,409			1,289			637			1,165			318			972			533			397			71			(29	)		843			96			931
Other intangibles amortization		4,378			1,095			1,094			1,095			1,094			4,423			1,106			1,106			1,105			1,106			4,039			1,148			2,130
Acquisition and restructure charges		—			—			—			—			—			36			—			—			—			36			1,753			—			—
Other expenses		53,274			15,420			11,493			13,338			13,023			49,514			12,715			12,858			12,577			11,364			49,399			12,297			42,290

Total noninterest expense		194,305			46,581			48,436			49,945			49,343			199,137			50,264			49,981			50,737			48,155			192,615			47,795			165,703
Pre-tax earnings		36,045			(46,082	)		24,987			27,024			30,116			94,012			(16,673	)		33,641			39,089			37,955			152,298			40,756			135,829
Income taxes		(13,291	)		(19,192	)		796			27			5,078			13,853			(11,255	)		6,404			9,778			8,926			35,052			9,228			34,452

Net income	$	49,336		$	(26,890	)	$	24,191		$	26,997		$	25,038		$	80,159		$	(5,418	)	$	27,237		$	29,311		$	29,029		$	117,246		$	31,528		$	101,377

Net income applicable to common shares	$	48,624		$	(27,602	)	$	24,191		$	26,997		$	25,038		$	80,159		$	(5,418	)	$	27,237		$	29,311		$	29,029		$	117,246		$	31,528		$	101,377
Basic earnings per common share	$	1.00		$	(0.57	)	$	0.50		$	0.56		$	0.52		$	1.63		$	(0.11	)	$	0.55		$	0.59		$	0.58		$	2.39		$	0.63		$	2.22
Diluted earnings per common share	$	1.00		$	(0.57	)	$	0.50		$	0.56		$	0.52		$	1.62		$	(0.11	)	$	0.55		$	0.59		$	0.58		$	2.37		$	0.63		$	2.21
Weighted average shares outstanding		48,462			48,487			48,470			48,459			48,433			49,295			48,525			49,134			49,617			49,921			49,102			49,991			45,567
Weighted average diluted shares outstanding		48,565			48,540			48,556			48,576			48,589			49,622			48,754			49,447			49,984			50,322			49,469			50,392			45,893
Tax equivalent adjustment ⁽¹⁾	$	22,225		$	5,496		$	5,572		$	5,603		$	5,554		$	20,906		$	5,236		$	4,988		$	5,252		$	5,430		$	23,551		$	5,882		$	16,080
Net interest income (FTE) ⁽¹⁾	$	268,822		$	70,509		$	68,330		$	65,929		$	64,054		$	261,035		$	63,334		$	65,685		$	66,216		$	65,800		$	275,410		$	68,645		$	251,930
Common stock and related per common share data:
Book value	$	14.72		$	14.72		$	14.80		$	14.90		$	15.20		$	14.94		$	14.94		$	14.94		$	14.97		$	15.16		$	15.01		$	15.01		$	11.99
Tangible book value		8.87			8.87			8.92			9.00			9.28			8.99			8.99			9.00			9.10			9.30			9.16			9.16			9.87
Dividends declared per share		1.155			0.225			0.310			0.310			0.310			1.195			0.310			0.295			0.295			0.295			1.120			0.295			1.015
Market price - period high		40.09			28.97			40.09			29.36			31.98			39.31			36.50			36.62			38.17			39.31			39.52			39.52			39.25
Market price - period low		13.56			13.65			13.56			18.65			24.38			29.67			29.67			31.87			34.82			36.00			32.62			36.62			31.25
Closing price at period end	$	19.97		$	19.97		$	24.24		$	18.65		$	27.77		$	30.60		$	30.60		$	34.16		$	35.51		$	36.75		$	38.68		$	38.68		$	35.06
Closing price to book value		1.4			1.4			1.6			1.3			1.8			2.0			2.0			2.3			2.4			2.4			2.6			2.6			2.9
Period end shares outstanding		48,630			48,630			48,590			48,584			48,561			48,453			48,453			48,735			49,494			49,747			50,025			50,025			45,387
Period end treasury shares		12,696			12,696			12,736			12,742			12,765			12,873			12,873			12,591			11,832			11,579			11,301			11,301			11,540
Number of shares repurchased		5			—			—			1			4			1,767			297			792			338			340			23			1			857
Common dividends	$	56,206		$	10,955		$	15,088		$	15,084		$	15,079		$	58,765		$	15,045		$	14,400		$	14,622		$	14,698		$	56,033		$	14,779		$	46,238
Preferred dividends	$	670		$	670		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	13,736		$	—		$	—
Other Key Ratios/Data:
Return on average common equity ⁽²⁾		6.48	%		-13.89	%		13.09	%		14.57	%		13.75	%		10.69	%		-2.91	%		14.57	%		15.47	%		15.48	%		16.87	%		16.40	%		18.83	%
Return on average total equity ⁽²⁾		6.45	%		-12.65	%		13.09	%		14.57	%		13.75	%		10.69	%		-2.91	%		14.57	%		15.47	%		15.48	%		16.87	%		16.40	%		18.83	%
Return on average assets ⁽²⁾		0.59	%		-1.31	%		1.16	%		1.33	%		1.25	%		0.99	%		-0.27	%		1.35	%		1.44	%		1.42	%		1.42	%		1.47	%		1.44	%
Net interest margin ⁽¹⁾		3.61	%		3.71	%		3.63	%		3.58	%		3.53	%		3.58	%		3.53	%		3.63	%		3.61	%		3.53	%		3.67	%		3.57	%		3.87	%
Yield on average earning assets ⁽¹⁾		5.80	%		5.43	%		5.69	%		5.81	%		6.29	%		6.82	%		6.67	%		6.91	%		6.86	%		6.83	%		6.67	%		6.81	%		5.87	%
Cost of funds		2.56	%		2.03	%		2.40	%		2.61	%		3.23	%		3.82	%		3.71	%		3.86	%		3.84	%		3.88	%		3.50	%		3.79	%		2.37	%
Efficiency ratio ⁽¹⁾		53.49	%		59.06	%		50.30	%		51.67	%		54.02	%		52.50	%		53.87	%		51.87	%		52.13	%		52.19	%		50.53	%		49.56	%		49.44	%
Net noninterest expense ratio ⁽²⁾		1.27	%		1.64	%		1.11	%		1.13	%		1.21	%		1.09	%		1.14	%		1.06	%		1.04	%		1.12	%		1.13	%		1.00	%		1.25	%
Effective income tax rate		-36.9	%		41.6	%		3.2	%		0.1	%		16.9	%		14.7	%		67.5	%		19.0	%		25.0	%		23.5	%		23.0	%		22.6	%		25.4	%
Full time equivalent employees - end of period		1,809			1,809			1,792			1,828			1,833			1,856			1,856			1,866			1,885			1,908			1,892			1,892			1,635
Number of bank offices		97			97			98			98			99			99			99			100			100			100			99			99			68
Number of automated teller machines		129			129			130			130			131			131			131			132			132			132			130			130			92

Note: Discussion of footnotes (1) and (2) are located at the end of this document.

First Midwest Bancorp, Inc.

Selected Financial Information

(Amounts in thousands, except per share data)


	2008															2007															2006						2005
	Dec. 31 /YTD			4th Quarter			3rd Quarter			2nd Quarter			1st Quarter			Dec. 31/YTD			4th Quarter			3rd Quarter			2nd Quarter			1st Quarter			Dec. 31 /YTD			4th Quarter			Dec. 31 /YTD
Parent Company Data:
Parent investment in subsidiaries - end of period	$	921,548		$	921,548		$	910,987		$	897,482		$	893,182		$	861,841		$	861,841		$	870,126		$	873,854		$	891,359		$	887,908		$	887,908		$	604,112

Risk-Based Capital Data:
Tier 1 capital	$	766,758		$	766,758		$	610,048		$	598,238		$	585,181		$	572,553		$	572,553		$	600,083		$	610,872		$	603,885		$	598,755		$	598,755		$	581,393
Tier 2 capital		182,675			182,675			169,727			166,018			164,690			161,708			161,708			161,317			162,293			162,299			162,266			162,266			56,393

Total capital		949,433			949,433			779,775			764,256			749,871			734,261			734,261			761,400			773,165			766,184			761,021			761,021			637,786
Risk-adjusted assets	$	6,609,359		$	6,609,359		$	6,475,903		$	6,436,784		$	6,448,210		$	6,340,614		$	6,340,614		$	6,256,930		$	6,190,247		$	6,192,407		$	6,259,983		$	6,259,983		$	5,424,063
Tier 1 capital / risk-based assets		11.60	%		11.60	%		9.42	%		9.29	%		9.08	%		9.03	%		9.03	%		9.59	%		9.87	%		9.75	%		9.56	%		9.56	%		10.72	%
Total capital / risk-based assets		14.36	%		14.36	%		12.04	%		11.87	%		11.63	%		11.58	%		11.58	%		12.17	%		12.49	%		12.37	%		12.16	%		12.16	%		11.76	%
Leverage ratio		9.41	%		9.41	%		7.59	%		7.56	%		7.51	%		7.46	%		7.46	%		7.75	%		7.75	%		7.52	%		7.29	%		7.29	%		8.16	%
Tangible capital ratio		5.23	%		5.23	%		5.44	%		5.45	%		5.62	%		5.58	%		5.58	%		5.77	%		5.80	%		5.82	%		5.62	%		5.62	%		6.30	%
Tangible capital ratio, excluding OCI		5.45	%		5.45	%		6.09	%		5.90	%		5.73	%		5.73	%		5.73	%		6.25	%		6.26	%		6.03	%		5.81	%		5.81	%		6.41	%
Tangible equity / risk-based assets		6.53	%		6.53	%		6.69	%		6.79	%		6.99	%		6.87	%		6.87	%		7.01	%		7.28	%		7.47	%		7.32	%		7.32	%		8.26	%

Loan Performance Data:
*Nonaccrual loans:*
Commercial	$	15,586		$	15,586		$	13,961		$	5,222		$	6,770		$	9,128		$	9,128		$	7,440		$	8,815		$	9,318		$	8,803		$	8,803		$	9,092
Agricultural		—			—			—			—			—			349			349			—			—			—
Real estate - office, retail, and industrial		2,533			2,533			1,195			1,125			730			552			552			552			—			—			—			—			155
Real estate - residential land and development		97,060			97,060			28,335			11,664			4,081			107			107			540			540			540			720			720			559
Real estate - multifamily		1,387			1,387			2,827			3,016			1,361			3,480			3,480			287			294			1,774			1,918			1,918			—
Real estate - other commercial		6,926			6,926			1,845			885			255			1,452			1,452			1,384			2,101			2,172			1,263			1,263			216
Real estate - 1-4 family		857			857			795			671			909			583			583			480			717			1,405			1,413			1,413			548
Direct consumer		3,321			3,321			4,258			2,537			2,872			2,666			2,666			1,972			2,324			2,197			1,920			1,920			1,244
Indirect consumer		98			98			101			116			95			130			130			116			136			176			172			172			176

Total nonaccrual loans		127,768			127,768			53,317			25,236			17,073			18,447			18,447			12,771			14,927			17,582			16,209			16,209			11,990
Restructured loans		3,260			3,260			2,258			259			140			280			280			—			—			—			—			—			—
Foreclosed real estate		24,368			24,368			23,697			7,042			8,607			6,053			6,053			4,032			3,683			3,195			2,727			2,727			2,878
Loans past due 3 months and still accruing		36,999			36,999			37,316			37,510			33,479			21,149			21,149			21,421			19,633			15,603			12,810			12,810			8,958
*Reserve for loan losses (RLL):*
RLL	$	93,869		$	93,869		$	69,811		$	66,104		$	64,780		$	61,800		$	61,800		$	61,412		$	62,391		$	62,400		$	62,370		$	62,370		$	56,393
Loan loss provision		70,254			42,385			13,029			5,780			9,060			7,233			2,042			470			1,761			2,960			10,229			3,865			8,930
*Net charge-offs by category:*
Commercial		13,026			5,601			1,899			2,338			3,188			4,925			534			1,131			1,251			2,009			5,792			2,804			4,193
Agricultural		38			—			(4	)		42			—			10			10			(1	)		1			—			(9	)		(4	)		—
Real estate - office, retail, and industrial		732			699			2			31			—			—			—			—			—			—			—			—			543
Real estate - residential land and development		15,780			9,227			5,856			138			559			231			17			—			18			196			—			—			—
Real estate - multifamily		1,796			164			(40	)		830			842			490			372			—			119			(1	)		1,050			(18	)		—
Real estate - other commercial		1,248			397			62			116			673			(34	)		(21	)		5			(78	)		60			344			296			624
Real estate - 1-4 family		576			57			239			104			176			145			—			9			10			126			138			9			96
Consumer		4,989			2,182			1,308			857			642			2,036			742			305			449			540			2,872			778			3,799

Total net charge-offs		38,185			18,327			9,322			4,456			6,080			7,803			1,654			1,449			1,770			2,930			10,187			3,865			9,255
*NPA ratios:*
Nonaccrual loans / loans		2.38	%		2.38	%		1.02	%		0.49	%		0.34	%		0.37	%		0.37	%		0.26	%		0.30	%		0.35	%		0.32	%		0.32	%		0.28	%
Nonaccrual loans + loans past due 90 days / loans		3.07	%		3.07	%		1.74	%		1.21	%		1.00	%		0.80	%		0.80	%		0.69	%		0.70	%		0.66	%		0.58	%		0.58	%		0.49	%
Nonaccrual loans / total assets		1.50	%		1.50	%		0.65	%		0.30	%		0.21	%		0.23	%		0.23	%		0.16	%		0.19	%		0.21	%		0.19	%		0.19	%		0.17	%
*Loan loss ratios:*
RLL / loans		1.75	%		1.75	%		1.34	%		1.28	%		1.28	%		1.25	%		1.25	%		1.25	%		1.27	%		1.25	%		1.25	%		1.25	%		1.31	%
RLL / nonaccrual loans		73.47	%		73.47	%		130.94	%		261.94	%		379.43	%		335.01	%		335.01	%		480.87	%		417.97	%		354.91	%		384.79	%		384.79	%		470.33	%
Net charge-offs to average net loans		0.74	%		1.38	%		0.71	%		0.35	%		0.49	%		0.16	%		0.13	%		0.12	%		0.14	%		0.24	%		0.21	%		0.30	%		0.22	%

Footnotes:

(1)	Tax equivalent basis reflects federal and state tax benefits.

(2)	Annualized based on the number of days outstanding for each period presented.