This presentation contains financial information determined by methods other than those prescribed by accounting principles generally accepted in the United States (“GAAP”). Management uses these “non-GAAP” financial measures in its analysis of our capital and performance. Management believes that tangible common equity to tangible assets is important to investors who are interested in evaluating the adequacy of our capital levels. Management believes that pre-tax, pre-provision earnings is important to investors as it shows earnings trends without giving effect to loan loss provision.

You should not view these disclosures as a substitute for results determined in accordance with GAAP, and they are not necessarily comparable to non-GAAP measures used by other companies. The limitations associated with these measures are the risks that persons might disagree as to the appropriateness of items comprising these measures and that different companies might calculate these measures differently. Information provided in this Appendix reconciles these non-GAAP measures with comparable measures calculated in accordance with GAAP .

Reconciliation of Non-GAAP Measures

		As of				As of				As of				As of				As of				As of				As of				As of				As of
(Period End Balances, Dollars in Thousands)		6/30/2008				9/30/2008				12/31/2008				3/31/2009				6/30/2009				9/30/2009				12/31/2009				3/31/2010				6/30/2010
Shareholders’ Equity —> A		$	1,233,775			$	1,242,719			$	1,240,260			$	1,255,659			$	1,274,947			$	1,286,218			$	1,276,296			$	1,264,883			$	1,240,259
Assets —> B			13,399,151				13,300,728				13,480,218				13,458,364				13,297,819				13,271,873				13,167,866				13,230,189				13,421,003
Intangibles —> C			301,896				300,624				297,131				295,867				295,639				294,444				293,629				292,614				291,631
Tangible Equity —> D=A-C			931,879				942,095				943,129				959,792				979,308				991,774				982,667				972,269				948,628
Tangible Assets —> E=B-C			13,097,255				13,000,104				13,183,087				13,162,497				13,002,180				12,977,429				12,874,236				12,937,575				13,129,373
Total Equity / Total Assets (%) — > F=A/B			9.21	%			9.34	%			9.20	%			9.33	%			9.59	%			9.69	%			9.69	%			9.56	%			9.24	%
Tangible Equity / Tangible Assets (%) — > G=D/E			7.12	%			7.25	%			7.15	%			7.29	%			7.53	%			7.64	%			7.63	%			7.52	%			7.23	%
Tangible Common Equity / Tangible Assets (%) — > G=D/E			7.12	%			7.25	%			7.15	%			7.29	%			7.53	%			7.64	%			7.63	%			7.52	%			7.23	%

		Q1-08				Q2-08				Q3-08				Q4-08				Q1-09				Q2-09				Q3-09				Q4-09				Q1-10				Q2-10
Net Interest Income Before Provision —> A		$	110,070			$	109,843			$	109,603			$	111,321			$	109,876			$	110,940			$	111,736			$	112,347			$	111,882			$	109,329
Noninterest Income —> B			66,232				73,265				63,433				39,449				66,292				79,739				59,550				63,364				63,332				57,086
Noninterest Expense —> C			113,470				112,064				116,060				111,091				118,453				123,266				119,747				122,221				120,483				120,016
Fair Market Value Adjustment for Mortgage Servicing Rights —> D			-2,187				6,243				407				-14,960				-1,511				5,005				-2,739				1,648				8				-8,323
Pre-Tax Pre-Provision Earnings, excluding MSR Adj —> E=A+B-C-D			65,018				64,801				56,569				54,639				59,226				62,409				54,278				51,843				54,723				54,723