EXHIBIT 99.2

Summary of Items Impacting

Earnings Per Diluted Common Share

Table I

	($ in thousands, excluding per share data)
	2009									2008
	Year-to- Date			2Q			1Q			Full-Year			4Q			3Q			2Q			1Q

Gain (Loss) on FHLMC shares1	$	123		$	112		$	11		$	(3,738	)	$	(137	)	$	(3,400	)	$	(221	)	$	20

Increase in Loan Loss Reserve & Higher Charge-offs		-			-			-			(7,539	)		(7,539	)		-			-			-

Higher Charge-offs Related to Floor Plan Relationships		(3,752	)		(3,752	)		-			-			-			-			-			-

Gain on Sale of Property & Casualty Portion of Insurance Business		574			-			574			-			-			-			-			-

Gains on Sales of Investment Securities (CPP 2009; VISA 2008)		3,349			3,349			-			1,585			-			-			-			1,585

FDIC Special Assessment		(1,737	)		(1,737	)		-			-			-			-			-			-

FDIC Expense - Other		(1,969	)		(1,687	)		(282	)		(521	)		(158	)		(115	)		(121	)		(127	)

Acquisition-Related Expenses		(426	)		(426	)		-			-			-			-			-			-

Severance Costs Related to Sale of Property & Casualty Insurance Business		(232	)		-			(232	)		-			-			-			-			-

Liability for Retiree Medical Benefits		-			-			-			1,285			-			-			1,285			-

Impact to Pre-Tax Net Income	$	(4,070	)	$	(4,141	)	$	71		$	(8,928	)	$	(7,834	)	$	(3,515	)	$	943		$	1,478
After-Tax Impact to Earnings Per Diluted Common Share	$	(0.06	)	$	(0.07	)	$	0.00		$	(0.15	)	$	(0.14	)	$	(0.06	)	$	0.02		$	0.03

Gain (Loss) related to the company's investment in 200,000 Federal Home Loan Mortgage Corporation (FHLMC) perpetual preferred series V shares.


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Pre-Tax, Pre-Provision Income

Table II

	($ in thousands)
	Quarter						Year-to-Date
	2Q-09		1Q-09		2Q-08		June 30, 2009		June 30, 2008

Pre-Tax Income	$	2,152	$	8,768	$	11,700	$	10,920	$	22,581
Excluding Provision Expense		10,358		4,259		2,493		14,617		5,716

Pre-Tax, Pre-Provision Income	$	12,510	$	13,027	$	14,193	$	25,537	$	28,297

Significant Items 1		1,298		353		1,064		1,651		2,669
Pre-Tax, Pre-Provision Income, excluding Significant Items	$	11,212	$	12,674	$	13,129	$	23,886	$	25,628

Includes significant items summarized in Table I, with the exception of FDIC Expense - Other and provision related items.


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Credit Quality Trends

Table III

	($ in thousands)
	Three Months Ended															Year-to-Date
	June 30, 2009			March 31, 2009			December 31, 2008			September 30, 2008			June 30, 2008			June 30, 2009			June 30, 2008

Total Nonperforming Loans	$	37,790		$	24,892		$	18,185		$	14,038		$	15,366		$	37,790		$	15,366

Total Nonperforming Assets	$	42,956		$	28,405		$	22,213		$	18,648		$	19,129		$	42,956		$	19,129

Nonperforming Assets as a % of:
Period-End Loans, Plus Other Real Estate Owned		1.48	%		1.04	%		0.83	%		0.70	%		0.71	%		1.48	%		0.71	%
Total Assets		1.14	%		0.75	%		0.60	%		0.53	%		0.55	%		1.14	%		0.55	%

Nonperforming Loans as a % of Total Loans		1.31	%		0.91	%		0.68	%		0.53	%		0.57	%		1.31	%		0.57	%

Allowance for Loan & Lease Losses	$	38,649		$	36,437		$	35,873		$	30,353		$	29,580		$	38,649		$	29,580
Allowance for Loan & Lease Losses as a % of:
Period-End Loans		1.34	%		1.33	%		1.34	%		1.14	%		1.11	%		1.34	%		1.11	%
Nonaccrual Loans		102.8	%		147.6	%		199.5	%		219.5	%		199.7	%		102.8	%		199.7	%
Nonperforming Loans		102.3	%		146.4	%		197.3	%		216.2	%		192.5	%		102.3	%		192.5	%

Total Net Charge-Offs	$	8,146		$	3,695		$	4,955		$	2,446		$	2,631		$	11,841		$	5,193
Annualized Net Charge-Offs as a % of Average
Loans & Leases		1.19	%		0.55	%		0.73	%		0.36	%		0.40	%		0.88	%		0.40	%


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Capital Management

Table IV

	FFBC			Regulatory "well-capitalized" minimum
Leverage Ratio		12.02	%		5	%
Tier 1 Capital Ratio		14.77	%		6	%
Total Risk-Based Capital Ratio		16.02	%		10	%
EOP Tangible Equity / EOP Tangible Assets		11.14	%		N/A
EOP Tangible Common Equity / EOP Tangible Assets		9.06	%		N/A

N/A = not applicable


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Net Interest Income &

Net Interest Margin

Table V


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Noninterest Income

Table VI

	($ in thousands)
	Quarter							Year-to-Date
	2Q-09		1Q-09		2Q-08			June 30, 2009		June 30, 2008

Gain (Loss) on FHLMC shares	$	112	$	11	$	(221	)	$	123	$	(201	)

Gain on Sale of Property & Casualty Portion of Insurance Business		-		574		-			574		-

Gain on Sales of Investment Securities (CPP 2Q-09; VISA 1Q-08)		3,349		-		-			3,349		1,585
Impact to Noninterest Income	$	3,461	$	585	$	(221	)	$	4,046	$	1,384


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Service Charges on Deposit Accounts &

Trust & Wealth Management Fees

Table VII

	($ in thousands)
	Quarter						Year-to-Date
	2Q-09		1Q-09		2Q-08		June 30, 2009		June 30, 2008

Overdraft/Non-Sufficient Fund Fees	$	3,003	$	2,791	$	3,628	$	5,794	$	6,968
Other		1,286		1,288		1,323		2,574		2,590
Total Service Charges on Deposit Accounts	$	4,289	$	4,079	$	4,951	$	8,368	$	9,558

Trust Fees		2,944		2,946		3,967		5,890		7,880
Investment Advisory Fees		309		343		687		652		1,396
Total Trust & Wealth Management Fees	$	3,253	$	3,289	$	4,654	$	6,542	$	9,276


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Noninterest Expense

Table VIII

	($ in thousands)
	Quarter							Year-to-Date
	2Q-09		1Q-09		2Q-08			June 30, 2009		June 30, 2008

FDIC Special Assessment	$	1,737	$	-	$	-		$	1,737	$	-

FDIC Expense - Other		1,687		282		121			1,969		248

Acquisition-Related Expenses (other noninterest expense)		426		-		-			426		-

Severance Costs Related to Sale of Property & Casualty Insurance Business (salaries and employee benefits)		-		232		-			232		-

Liability for Retiree Medical Benefits (salaries and employee benefits)		-		-		(1,285	)		-		(1,285	)
Impact to Noninterest Expense	$	3,850	$	514	$	(1,164	)	$	4,364	$	(1,037	)


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Investment Portfolio

June 30, 2009

Table IX

($ in thousands, excluding book price and market value)
												Base
	% of			Book		Book		Book		June 30, 2009		Gain/
	Total			Value		Yield		Price		Market Value		(Loss)
Agencys		7.3	%	$	41,145		5.31		99.79		102.69	$	1,162
CMOs (Agency)		11.8	%		65,879		4.71		100.44		103.50		1,950
CMOs (Private)		0.0	%		77		1.60		100.00		97.94		(2	)
MBSs (Agency)		69.8	%		391,667		4.72		100.94		103.24		8,709
Agency Preferred		0.0	%		184		-		0.92		0.92		-
Subtotal		88.9	%	$	498,952		4.76		100.74		102.18	$	11,819

Municipal		5.4	%	$	30,085		7.16		99.12		100.36	$	376
Other *		5.7	%		31,839		4.47		101.17		100.90		(87	)
Subtotal		11.1	%	$	61,924		5.78		100.18		100.64	$	289

Total Investment Portfolio		100.0	%	$	560,876		4.87		100.68		102.03	$	12,108

					Net Unrealized Gain/(Loss)							$	12,108
					Aggregate Gains							$	13,072
					Aggregate Losses							$	(964	)

					Net Unrealized Gain/(Loss) % of Book Value								2.16	%

* Other includes $28.0 million of regulatory stock


Another step on the path to success	9