MB Financial, Inc. Reports Third Quarter 2012 Net Income of $23.1 Million and an Increase of the Quarterly Dividend to $0.10 Per

  MB Financial, Inc. Reports Third Quarter 2012 Net Income of $23.1 Million
  and an Increase of the Quarterly Dividend to $0.10 Per Share

Business Wire

CHICAGO -- October 24, 2012

MB Financial, Inc. (NASDAQ: MBFI), the holding company for MB Financial Bank,
N.A (“the Bank” or “MB Financial Bank”), announced today third quarter results
for 2012. The words “MB Financial,” “the Company,” “we,” “our” and “us” refer
to MB Financial, Inc. and its consolidated subsidiaries, unless indicated
otherwise. We had net income and net income available to common stockholders
of $23.1 million for the third quarter of 2012 compared to net income of $19.7
million (+17.4%) and net income available to common stockholders of $17.1
million (+35.3%) for the third quarter of 2011, and net income and net income
available to common stockholders of $22.1 million (+17.8% annualized) for the
second quarter of 2012.

“Third quarter earnings were driven by strong fee income growth which exceeded
the impact of net interest margin compression. While we had some large unusual
items in the quarter, including a negative provision and prepayment fees, they
were largely offsetting and had minimal impact on our results. I’m very
pleased with the progress we have made over the past year in several areas
including credit quality, improving our balance sheet mix and executing on our
fee income initiatives. Return on assets is approaching normal levels, and
from a shareholder perspective, we are ready to return more capital to
shareholders in the form of higher quarterly dividends,” stated Mitchell
Feiger, President and Chief Executive Officer of the Company.

Key items for the quarter were as follows:

Improved Return on Assets and Return on Equity:

  *Annualized return on average assets increased to 0.97% for the third
    quarter of 2012 compared to 0.94% for the second quarter of 2012 and 0.80%
    for the third quarter of 2011.
  *Annualized return on average common equity improved to 7.38% for the third
    quarter of 2012 compared to 7.28% for the second quarter of 2012 and 5.86%
    for the third quarter of 2011.
  *Annualized cash return on average tangible common equity in the third
    quarter of 2012 was 11.29% compared to 11.28% for the second quarter of
    2012 and 9.52% for the third quarter of 2011.

Strong Fee Income Growth Exceeded the Impact of Margin Compression:

  *Key fee initiatives propelled the growth in fee income in the quarter:

       *Leasing revenues increased 31.9% to $9.7 million,
       *Capital markets and international banking service fees increased
         72.3% to $1.3 million, and
       *Commercial deposit and treasury management fees increased 1.3% to
         $5.9 million.

  *On a year-to-date basis, significant growth also occurred:

       *Leasing revenues increased 25.2% to $24.0 million,
       *Capital markets and international banking service fees increased
         137.7% to $2.6 million, and
       *Card revenues increased 15.8% to $6.9 million.

  *Our core other income to revenues ratio rose to 29.5% in the third quarter
    compared to 27.5% in the prior quarter and 26.7% a year ago.
  *Net interest margin compression for the quarter, which negatively impacted
    net interest income, was driven by elevated cash balances at the Federal
    Reserve and asset repricing outpacing deposit repricing.

       *Seven basis points of compression were due to elevated cash balances.
       *Nine basis points of compression were due to asset repricing
         outpacing deposit repricing.
       *Liability repositioning, discussed below, which occurred at the end
         of the quarter, will address the elevated cash balances and is
         expected to have a seven to eight basis point positive impact on the
         fourth quarter margin.

Improved Credit Metrics:

  *Gross recoveries of $14.7 million were recorded in the third quarter of
    2012, prompting a negative provision for credit losses of $13.0 million.
    The allowance for loan and lease losses was relatively unchanged from the
    prior quarter. We had no provision for credit losses in the second quarter
    of 2012 and $11.5 million in the third quarter of 2011.
  *Annualized net charge-offs to average loans for the nine months ended
    September 30, 2012 improved to 0.03% compared to 3.52% for the same period
    in 2011.
  *Losses recognized on other real estate owned (“OREO”), which we view as
    part of our credit costs, were $3.9 million in the third quarter of 2012
    compared to $5.4 million in the second quarter of 2012 and $3.1 million in
    the third quarter of 2011.
  *Our non-performing loans improved to $105.3 million or 1.87% of total
    loans as of September 30, 2012 from $113.5 million or 1.98% of total loans
    at June 30, 2012, a decrease of $8.2 million (-7.3%), and from $141.0
    million or 2.42% of total loans at September 30, 2011, a decrease of $35.7
    million (-25.3%).
  *Our non-performing assets improved to $147.8 million or 1.56% of total
    assets as of September 30, 2012 from $163.3 million or 1.72% of total
    assets as of June 30, 2012, a decrease of $15.5 million (-9.5%), and from
    $228.7 million or 2.30% of total assets as of September 30, 2011, a
    decrease of $80.9 million (-35.4%).
  *Our potential problem loans decreased to $134.3 million as of September
    30, 2012 from $141.0 million as of June 30, 2012, a decrease of $6.8
    million (-4.8%), and from $179.7 million at September 30, 2011, a decrease
    of $45.4 million (-25.3%).
  *Our allowance for loan losses to non-performing loans was 115.10% as of
    September 30, 2012 compared to 107.25% as of June 30, 2012 and 91.23% as
    of September 30, 2011.

Prepayments to Lower Future Funding Costs:

  *To lower future funding costs, we prepaid the following interest bearing
    liabilities near the end of the third quarter of 2012:

       *A $100 million FHLB advance with a 3.85% interest rate,
       *Brokered certificates of deposit of $101 million with a 3.16% average
         interest rate, and
       *The $6.2 million FOBB Statutory Trust I with a 10.6% interest rate.

  *We incurred prepayment expenses of $12.7 million as a result of the early
    retirement of these instruments.
  *The estimated full quarter interest expense related to these instruments
    is approximately $1.9 million, based on the above rates.
  *We expect these prepayments to favorably impact our net interest margin
    for the fourth quarter of 2012 by seven to eight basis points and to
    reduce cost of funds by approximately nine basis points.

Balance Sheet Improvements Continue:

  *Excluding covered loans, our loan balances have been stable over the last
    year, with improvement in our loan mix. Commercial and lease loans,
    generally lower risk loans, have increased by 8.7% over the past twelve
    months while generally higher risk construction and commercial real estate
    loans have decreased by 6.6%.
  *Over the past year, we improved the mix of our investment portfolio to
    include a higher portion of municipal securities which has helped mitigate
    the impact of mortgage-backed security prepayments in the current interest
    rate environment. Municipal securities were 38.3% of total investment
    securities at September 30, 2012 compared to 25.7% of total investment
    securities a year ago.
  *Our funding mix also improved over the past twelve months, with low cost
    deposits increasing $215.5 million (+4.1%) primarily driven by increases
    in noninterest bearing deposits and customer certificates of deposit
    decreasing by $368.8 million (-18.4%). In addition, our wholesale funding
    balances decreased $219.1 million (-19.3%) from a year ago largely due to
    the liability prepayments discussed above.
  *During 2012, we repurchased all $196 million of preferred stock and the
    related warrant issued as part of the Troubled Asset Relief Program
    (“TARP”) Capital Purchase Program.

Increase in Quarterly Dividend and Authorization for Stock Buyback:

  *On October 24, 2012, our Board of Directors approved a quarterly cash
    dividend of $0.10 per share, an increase from $0.01 per share paid in
    recent prior quarters.
  *Our Board of Directors also authorized the Company to repurchase up to one
    million shares of common stock over the next two years.

RESULTS OF OPERATIONS

Third Quarter Results

Net Interest Income

Net interest income on a fully tax equivalent basis decreased $1.8 million
from the second quarter of 2012. The decrease from the second quarter of 2012
to the third quarter of 2012 was due primarily to a 16 basis point decline in
our net interest margin to 3.67% on a fully tax equivalent basis, as a result
of much higher cash balances maintained at the Federal Reserve (approximately
seven basis points of the change) and earning asset repricing outpacing
deposit repricing (approximately nine basis points of the change).

Net interest income on a fully tax equivalent basis decreased $15.4 million
during the nine months ended September 30, 2012 compared to the nine months
ended September 30, 2011 primarily due to a decrease in average interest
earning assets of approximately $300 million and an 11 basis point decline in
our net interest margin to 3.79% on a fully tax equivalent basis.

See the supplemental net interest margin tables for further detail.

Other Income (in thousands):

                 Three Months Ended                                                Nine Months Ended
                      September    June 30,    March       December    September     September    September
                      30,                        31,          31,          30,           30,           30,
                     2012       2012      2012      2011      2011       2012       2011    
Core other
income:
  Key fee
  initiatives:
    Capital
    markets and
    international
    banking
    service fees    $ 1,344       $ 780        $ 507        $ 754        $ 605         $ 2,631       $ 1,107
    Commercial
    deposit and
    treasury          5,860         5,784        5,901        6,113        6,157         17,545        17,643
    management
    fees
    Lease
    financing,        9,671         7,334        6,958        7,801        6,494         23,963        19,138
    net
    Trust and
    asset             4,428         4,535        4,404        4,166        4,272         13,367        13,158
    management
    fees
    Card fees        2,385      2,429     2,044     1,096     2,071      6,858      5,921   
  Total key fee       23,688        20,862       19,814       19,930       19,599        64,364        56,967
  initiatives
                                                                                                       
  Loan service        1,125         1,268        1,066        1,069        1,706         3,459         5,286
  fees
  Retail and
  other deposit       3,792         3,541        3,457        3,926        4,123         10,790        12,373
  service fees
  Brokerage fees      1,185         1,264        1,255        1,577        1,273         3,704         4,307
  Increase in
  cash surrender      890           870          917          944          1,014         2,677         3,433
  value of life
  insurance
  Accretion of
  FDIC                204           222          475          683          985           901           4,155
  indemnification
  asset
  Net gain on         575           554          374          366          190           1,503         451
  sale of loans
  Other operating    408        958       1,604     1,090     1,000      2,970      3,489   
  income
Total core other     31,867     29,539    28,962    29,585    29,890     90,368     90,461  
income
                                                                                                       
Non-core other
income: (1)
    Net gain
    (loss) on         281           (34    )     (3     )     411          -             244           229
    investment
    securities
    Net (loss)
    gain on sale      (12     )     (8     )     (17    )     (87    )     -             (37     )     370
    of other
    assets
    Net gain on
    sale of loans     -             -            -            -            -             -             1,790
    held for sale
    (A)
    Net loss
    recognized on
    other real        (4,151  )     (4,156 )     (4,348 )     (3,620 )     (2,354  )     (12,655 )     (6,351  )
    estate owned
    (B)
    Net gain
    (loss)
    recognized on
    other real
    estate
    owned related
    to FDIC           213           (1,285 )     (2,241 )     (1,858 )     (764    )     (3,313  )     (1,784  )
    transactions
    (B)
    Increase
    (decrease) in
    market value
    of assets
    held
    in trust for
    deferred         355        (149   )   501       20        (405    )   707        (60     )
    compensation
    (C)
Total non-core       (3,314  )   (5,632 )   (6,108 )   (5,134 )   (3,523  )   (15,054 )   (5,806  )
other income
                                                                                                       
Total other         $ 28,553    $ 23,907   $ 22,854   $ 24,451   $ 26,367    $ 75,314    $ 84,655  
income

(1) Letter denotes the corresponding line items where these non-core other
income items reside in the consolidated statements of income as follows: A –
Net gain on sale of loans, B – Net loss recognized on other real estate owned,
C – Other operating income.

Revenue from our key fee initiatives increased by $2.8 million (+13.5%) from
the second quarter of 2012 to the third quarter of 2012 primarily due to the
growth in our capital markets and international banking services and leasing
revenues. Capital markets and international banking service fees increased due
primarily to an increase in interest rate swap fees. Net lease financing
income increased as a result of higher promotional and remarketing income, as
well as increased sales of equipment maintenance contracts. Retail and other
service fees increased as a result of the increase in NSF and overdraft fees.
Other operating income decreased due to lower income from low income housing
partnerships. Non-core other income was primarily impacted by lower losses
recognized on OREO.

Revenue from our key fee initiatives increased by $7.4 million (+13.0%) for
the nine months ended September 30, 2012 compared to the nine months ended
September 30, 2011. Capital markets and international banking service fees
increased due to an increase in interest rate swap fees and an increase in our
international banking activities. Net lease financing income increased as a
result of higher promotional and remarketing income, as well as increased
sales of equipment maintenance contracts. Card fee income increased due
primarily to fees earned on prepaid cards and credit cards. These increases
were offset by the decreases in loan service fees, retail and deposit service
fees and accretion of FDIC indemnification asset. Loan service fees decreased
due to a decrease in prepayment and exit fees. Retail and deposit service fees
decreased due to a decrease in NSF fees. Accretion of FDIC indemnification
asset decreased $3.3 million as expected. Accretion is recorded based on the
FDIC indemnification asset balance which has declined as we have received
loss-share payments. Non-core other income was primarily impacted by higher
losses recognized on OREO.

Other Expense (in thousands):

                    Three Months Ended                                              Nine Months Ended
                        September    June 30,    March     December    September     September    September
                        30,                        31,        31,          30,           30,           30,
                       2012        2012      2012     2011       2011       2012        2011    
Core other expense:
  Salaries and        $ 41,728      $ 40,295     $ 39,928   $ 39,826     $ 38,827      $ 121,951     $ 114,072
  employee benefits
  Occupancy and         8,274         9,188        9,570      8,498        9,092         27,032        26,969
  equipment expense
  Computer services
  and                   3,777         3,909        3,653      4,382        3,488         11,339        10,503
  telecommunication
  expense
  Advertising and       2,025         1,930        2,066      1,831        1,740         6,021         5,207
  marketing expense
  Professional and      1,554         1,503        1,413      1,422        1,647         4,470         4,725
  legal expense
  Other intangible
  amortization          1,251         1,251        1,257      1,410        1,414         3,759         4,255
  expense
  FDIC insurance        1,545         2,010        2,643      2,662        2,272         6,198         9,202
  premiums
  Other real estate     874           424          1,243      1,464        1,181         2,541         2,830
  expense, net
  Other operating      6,342       6,473     5,057    7,324      7,352      17,872      21,497  
  expenses
Total core other       67,370      66,983    66,830   68,819     67,013     201,183     199,260 
expense
                                                                                                       
Non-core other
expense: (1)
  Branch impairment     758           -            -          594          -             758           1,000
  charges
  Prepayment fees
  on interest           12,682        -            -          -            -             12,682        -
  bearing
  liabilities
  Increase
  (decrease) in
  market value of
  assets held
  in trust for
  deferred             355         (149   )   501      20         (405    )   707         (60     )
  compensation (A)
Total non-core         13,795      (149   )   501      614        (405    )   14,147      940     
other expense
                                                                                                       
Total other expense   $ 81,165     $ 66,834   $ 67,331  $ 69,433    $ 66,608    $ 215,330    $ 200,200 

(1) Letters denote the corresponding line items where these non-core other
expense items reside in the consolidated statements of income as follows: A –
Salaries and employee benefits.

Core other expense increased by $387 thousand (+0.6%) from the second quarter
of 2012 to the third quarter of 2012. Salaries and employee benefits expense
increased primarily due to annual salary increases and higher commissions on
lease revenues. Occupancy and equipment expense decreased due to a decrease in
real estate taxes and equipment maintenance. Non-core other expense was
primarily impacted by the $12.7 million in prepayment fees on interest bearing
liabilities. We prepaid certain brokered certificates of deposits and an FHLB
advance in an effort to lower our future funding costs and improve our funding
mix.

Core other expense increased by $1.9 million (+1.0%) from the nine months
ended September 30, 2011 to the nine months ended September 30, 2012. Salaries
and employee benefits expense increased primarily due to annual salary
increases, higher health insurance claims and an increase in incentive
compensation. FDIC insurance premiums decreased due to a change in the
assessment computation during the second quarter of 2012 and the impact of
improved credit quality on the computation. Other operating expenses were
favorably impacted in the nine months ended September 30, 2012 by a decrease
in the clawback liability related to our loss share agreements with the FDIC
recorded during the period. Non-core other expense was impacted by the $12.7
million in prepayment fees on interest bearing liabilities discussed above.

LOAN PORTFOLIO

The following table sets forth the composition of the loan portfolio,
excluding loans held for sale, as of the dates indicated (dollars in
thousands):

                   September 30,        June 30,             March 31,            December 31,         September 30,
                    2012               2012               2012               2011               2011            
                                % of                 % of                 % of                 % of                 % of
                    Amount     Total   Amount     Total   Amount     Total   Amount     Total   Amount     Total
Commercial
related credits:
  Commercial       $ 1,073,981   19  %   $ 1,079,436   19  %   $ 1,040,340   18  %   $ 1,113,123   19  %   $ 1,042,583   18  %
  loans
  Commercial
  loans
  collateralized
  by
  assignment of
  lease payments     1,219,361   22  %     1,221,199   21  %     1,209,942   21  %     1,208,575   20  %     1,067,191   18  %
  (lease loans)
  Commercial         1,770,261   31  %     1,794,777   31  %     1,877,380   32  %     1,853,788   31  %     1,844,894   32  %
  real estate
  Construction       149,872    3   %     150,665    3   %     128,040    2   %     183,789    3   %     210,206    4   %
  real estate
Total commercial     4,213,475  75  %     4,246,077  74  %     4,255,702  73  %     4,359,275  73  %     4,164,874  72  %
related credits
Other loans:
  Residential        308,866     5   %     313,137     5   %     309,644     5   %     316,787     5   %     316,305     5   %
  real estate
  Indirect           206,973     3   %     198,848     3   %     186,736     3   %     187,481     3   %     189,033     4   %
  vehicle
  Home equity        314,718     6   %     323,234     6   %     327,450     6   %     336,043     6   %     348,934     6   %
  Consumer loans     84,651     2   %     89,115     2   %     89,705     2   %     88,865     2   %     76,025     1   %
Total other          915,208    16  %     924,334    16  %     913,535    16  %     929,176    16  %     930,297    16  %
loans
Gross loans
excluding            5,128,683   91  %     5,170,411   90  %     5,169,237   89  %     5,288,451   89  %     5,095,171   88  %
covered loans
  Covered loans      496,162    9   %     552,838    10  %     620,528    11  %     662,544    11  %     718,566    12  %
  (1)
Total loans        $ 5,624,845   100 %   $ 5,723,249   100 %   $ 5,789,765   100 %   $ 5,950,995   100 %   $ 5,813,737   100 %

(1) Covered loans refer to loans we acquired in FDIC-assisted transactions
that are subject to loss-sharing agreements with the FDIC.

Our loan portfolio mix improved over the past twelve months as generally lower
risk commercial and lease loan balances increased while generally higher risk
commercial real estate and construction loan balances decreased.

ASSET QUALITY

The following table presents a summary of non-performing assets, excluding
loans held for sale, credit-impaired loans that were acquired as part of our
FDIC-assisted transactions and OREO related to assets acquired in
FDIC-assisted transactions, as of the dates indicated (dollar amounts in
thousands):

                  September    June 30,     March 31,    December     September
                   30,                                       31,           30,
                  2012       2012       2012       2011       2011    
Non-performing
loans:
Non-accrual      $ 104,813     $ 113,077     $ 124,011     $ 129,309     $ 140,979
loans (1)
Loans 90 days
or more past
due, still         470          453          679          82           -       
accruing
interest
Total
non-performing     105,283      113,530      124,690      129,391      140,979 
loans
                                                                           
OREO               42,427        49,690        63,077        78,452        87,469
Repossessed        113          60           81           156          249     
vehicles
Total
non-performing   $ 147,823    $ 163,280    $ 187,848    $ 207,999    $ 228,697 
assets
                                                                           
Total
allowance for    $ 121,182     $ 121,756     $ 125,431     $ 126,798     $ 128,610
loan losses
                                                                           
Accruing
restructured     $ 17,929      $ 16,536      $ 24,145      $ 37,996      $ 34,321
loans (2)
                                                                           
Total
non-performing     1.87    %     1.98    %     2.15    %     2.17    %     2.42    %
loans to total
loans
Total
non-performing     1.56    %     1.72    %     1.94    %     2.12    %     2.30    %
assets to
total assets
Allowance for
loan losses to     115.10  %     107.25  %     100.59  %     98.00   %     91.23   %
non-performing
loans

(1) Includes $27.1 million, $32.7 million, $34.7 million, $42.5 million and
$36.0 million of restructured loans on non-accrual status at September 30,
2012, June 30, 2012, March 31, 2012, December 31, 2011 and September 30, 2011,
respectively.

(2) Accruing restructured loans consists primarily of residential real estate
and home equity loans that have been modified and are performing in accordance
with those modified terms as of the dates indicated.

The following table presents data related to non-performing loans by category,
excluding loans held for sale and credit-impaired loans that were acquired as
part of our FDIC-assisted transactions (dollar amounts in thousands):

                  September    June       March      December    September
                   30,           30,         31,         31,          30,
                  2012        2012      2012      2011       2011
                                                                      
Commercial and   $ 22,648      $ 24,402    $ 34,471    $ 36,995     $ 37,644
lease
Commercial         55,387        62,512      70,939      76,551       86,907
real estate
Construction       1,225         1,470       1,553       1,145        2,913
real estate
Consumer           26,023        25,146      17,727      14,700       13,515
Total
non-performing   $ 105,283     $ 113,530   $ 124,690   $ 129,391    $ 140,979
loans
                                                                      

We define potential problem loans as performing loans rated substandard that
do not meet the definition of a non-performing loan (See “Asset Quality”
section above for non-performing loans). Potential problem loans carry a
higher probability of default and require additional attention by management.
The following table presents data related to potential problem loans by
category, excluding loans held for sale and credit-impaired loans that were
acquired as part of our FDIC-assisted transactions (dollar amounts in
thousands):

                  September    June       March      December    September
                   30,           30,         31,         31,          30,
                  2012        2012      2012      2011       2011
                                                                      
Commercial and   $ 48,933      $ 46,532    $ 49,197    $ 39,193     $ 55,019
lease
Commercial         73,941        82,596      98,834      99,588       108,557
real estate
Construction       11,415        11,938      11,409      10,375       15,528
real estate
Consumer           -             -           -           600          603
Total
non-performing   $ 134,289     $ 141,066   $ 159,440   $ 149,756    $ 179,707
loans
                                                                      

The following table represents a summary of OREO, excluding OREO related to
assets acquired in FDIC-assisted transactions (in thousands):

               September    June 30,     March 31,    December    September
                30,                                       31,          30,
                2012         2012         2012         2011        2011    
                                                                       
Balance at
the           $ 49,690      $ 63,077      $ 78,452      $ 87,469     $ 88,185
beginning
of quarter
Transfers
in at fair
value less      63            910           1,751         3,657        15,014
estimated
costs to
sell
Capitalized     978           967           359           552          644
OREO costs
Fair value      (4,648  )     (4,507  )     (4,764  )     (3,733 )     (2,524  )
adjustments
Net gains
on sales of     497           351           416           113          170
OREO
Cash
received        (4,153  )     (11,108 )     (13,137 )     (9,606 )     (14,020 )
upon
disposition
Balance at
the end of    $ 42,427     $ 49,690     $ 63,077     $ 78,452    $ 87,469  
quarter
                                                                               

Below is a reconciliation of the activity in our allowance for credit and loan
losses for the periods indicated (dollar amounts in thousands):

                  Three Months Ended                                                            Nine Months Ended
                     September       June 30,       March 31,      December       September      September      September
                     30,                                              31,             30,             30,             30,
                    2012          2012         2012         2011         2011         2012         2011      
                                                                                                                      
Allowance for
credit losses,
balance at the     $ 128,840        $ 133,255       $ 135,975       $ 141,861       $ 147,107       $ 135,975       $ 192,217
beginning of
period
Provision for        (13,000   )      -               3,100           8,000           11,500          (9,900    )     112,750
credit losses
Charge-offs:
  Commercial         (75       )      (1,451    )     (539      )     (2,932    )     (3,497    )     (2,065    )     (14,639   )
  loans
  Commercial
  loans
  collateralized
  by
  assignment of
  lease payments     -                (1,720    )     -               (1,373    )     -               (1,720    )     (93       )
  (lease loans)
  Commercial
  real estate        (2,994    )      (2,415    )     (3,003    )     (3,793    )     (7,815    )     (8,412    )     (92,840   )
  loans
  Construction       (71       )      (444      )     (3,436    )     (6,989    )     (6,008    )     (3,951    )     (45,928   )
  real estate
  Residential        (474      )      (1,108    )     (294      )     (860      )     (141      )     (1,876    )     (11,783   )
  real estate
  Indirect           (433      )      (488      )     (715      )     (954      )     (611      )     (1,636    )     (1,882    )
  vehicle
  Home equity        (1,209    )      (876      )     (1,072    )     (2,061    )     (1,605    )     (3,157    )     (9,005    )
  Consumer loans     (332      )      (274      )     (258      )     (285      )     (475      )     (864      )     (1,363    )
  Total              (5,588    )      (8,776    )     (9,317    )     (19,247   )     (20,152   )     (23,681   )     (177,533  )
  charge-offs
Recoveries:
  Commercial         306              386             2,038           634             1,413           2,730           4,736
  loans
  Commercial
  loans
  collateralized
  by
  assignment of
  lease payments     111              93              256             1               5               460             224
  (lease loans)
  Commercial
  real estate        12,893           3,061           162             747             739             16,116          2,585
  loans
  Construction       752              141             565             3,519           681             1,458           5,071
  real estate
  Residential        8                188             34              9               7               230             40
  real estate
  Indirect           224              300             311             378             327             835             1,021
  vehicle
  Home equity        303              100             20              6               151             423             218
  Consumer loans     77              92             111            67             83             280            532       
  Total              14,674          4,361          3,497          5,361          3,406          22,532         14,427    
  recoveries
                                                                                                                      
Total net
recoveries           9,086           (4,415    )     (5,820    )     (13,886   )     (16,746   )     (1,149    )     (163,106  )
(charge-offs)
                                                                                                                      
Allowance for        124,926          128,840         133,255         135,975         141,861         124,926         141,861
credit losses
                                                                                                                      
Allowance for
unfunded credit      (3,744    )      (7,084    )     (7,824    )     (9,177    )     (13,251   )     (3,744    )     (13,251   )
commitments
                                                                                                                      
Allowance for      $ 121,182       $ 121,756      $ 125,431      $ 126,798      $ 128,610      $ 121,182      $ 128,610   
loan losses
                                                                                                                      
Total loans,
excluding loans    $ 5,624,845      $ 5,723,249     $ 5,789,765     $ 5,950,995     $ 5,813,737     $ 5,624,845     $ 5,813,737
held for sale
Average loans,
excluding loans    $ 5,630,232      $ 5,712,630     $ 5,802,037     $ 5,818,425     $ 5,827,181     $ 5,714,657     $ 6,191,268
held for sale
                                                                                                                      
Ratio of allowance
for loan losses to
total loans,         2.15      %      2.13      %     2.17      %     2.13      %     2.21      %     2.15      %     2.21      %
excluding loans held
for sale
                                                                                                                      
Net loan
(recoveries)
charge-offs to
average loans,       (0.64     )%     0.31      %     0.40      %     0.95      %     1.14      %     0.03      %     3.52      %
excluding loans held
for sale
(annualized)
                                                                                                                                

Our allowance for loan losses is comprised of three elements: a general loss
reserve, a specific reserve for impaired loans and a reserve for
smaller-balance homogenous loans. The following table presents these three
elements of our allowance for loan losses (in thousands):

                   September    June       March      December    September
                    30,           30,         31,         31,          30,
                   2012        2012      2012      2011       2011
                                                                       
General loss      $ 95,586      $ 93,904    $ 98,673    $ 102,196    $ 102,752
reserve
Specific            11,300        13,674      13,734      10,804       11,416
reserve
Smaller-balance
homogenous          14,296        14,178      13,024      13,798       14,442
loans reserve
Total allowance   $ 121,182     $ 121,756   $ 125,431   $ 126,798    $ 128,610
for loan losses
                                                                       

Although management believes that adequate general, specific and
smaller-balance homogenous loan loss allowances have been established, actual
losses are dependent upon future events and, as such, further additions to the
level of general, specific and smaller-balance homogenous loan loss allowances
may become necessary.

INVESTMENT SECURITIES

The following table sets forth the fair value, amortized cost, and total
unrealized gain of our investment securities, by type (in thousands):

                   September    June 30,     March 31,    December     September
                    30,                                       31,           30,
                   2012        2012        2012        2011        2011
                                                                            
Securities
available for
sale:
Fair value
Government
sponsored         $ 42,187      $ 42,175      $ 42,070      $ 42,401      $ 56,007
agencies and
enterprises
States and
political           668,966       629,173       581,720       535,660       394,279
subdivisions
Mortgage-backed     1,075,962     1,035,473     1,193,248     1,334,491     1,421,789
securities
Corporate bonds     16,626        5,569         5,686         5,899         5,899
Equity              11,231        11,081        10,887        10,846        10,764
securities
Total fair        $ 1,814,972   $ 1,723,471   $ 1,833,611   $ 1,929,297   $ 1,888,738
value
                                                                            
Amortized cost
Government
sponsored         $ 39,233      $ 39,366      $ 39,503      $ 39,640      $ 53,016
agencies and
enterprises
States and
political           620,489       589,654       547,262       500,979       366,651
subdivisions
Mortgage-backed     1,060,665     1,014,186     1,168,340     1,308,020     1,399,801
securities
Corporate bonds     16,617        5,569         5,686         5,899         5,899
Equity              10,644        10,584        10,520        10,457        10,324
securities
Total amortized   $ 1,747,648   $ 1,659,359   $ 1,771,311   $ 1,864,995   $ 1,835,691
cost
                                                                            
Unrealized gain
Government
sponsored         $ 2,954       $ 2,809       $ 2,567       $ 2,761       $ 2,991
agencies and
enterprises
States and
political           48,477        39,519        34,458        34,681        27,628
subdivisions
Mortgage-backed     15,297        21,287        24,908        26,471        21,988
securities
Corporate bonds     9             -             -             -             -
Equity              587           497           367           389           440
securities
Total             $ 67,324      $ 64,112      $ 62,300      $ 64,302      $ 53,047
unrealized gain
                                                                            
Securities held
to maturity, at
cost:
States and
political         $ 238,211     $ 238,869     $ 239,526     $ 240,183     $ 240,839
subdivisions
Mortgage-backed     257,640       258,931       259,241       259,100       258,199
securities
Total amortized   $ 495,851     $ 497,800     $ 498,767     $ 499,283     $ 499,038
cost
                                                                            

We do not have any meaningful direct or indirect holdings of subprime
residential mortgage loans, home equity lines of credit, or any Fannie Mae or
Freddie Mac preferred or common equity securities in our investment securities
portfolio. Additionally, more than 99% of our mortgage-backed securities are
agency guaranteed.

DEPOSIT MIX

The following table shows the composition of deposits as of the dates
indicated (dollars in thousands):

                 September 30,        June 30,             March 31,            December 31,         September 30,
                  2012                2012                2012                2011                2011
                              % of                 % of                 % of                 % of                 % of
                  Amount     Total   Amount     Total   Amount     Total   Amount     Total   Amount     Total
Low cost
deposits:
  Noninterest
  bearing        $ 2,011,542   27  %   $ 1,946,468   26  %   $ 1,874,028   25  %   $ 1,885,694   25  %   $ 1,803,141   23  %
  deposits
  Money market
  and NOW          2,682,608   36  %     2,564,493   34  %     2,702,636   35  %     2,645,334   34  %     2,722,162   35  %
  accounts
  Savings          797,741    10  %     790,350    11  %     786,357    10  %     753,610    10  %     751,062    10  %
  accounts
Total low cost     5,491,891  73  %     5,301,311  71  %     5,363,021  70  %     5,284,638  69  %     5,276,365  68  %
deposits
                                                                                                                       
Certificates
of deposit:
  Certificates     1,632,370   22  %     1,718,266   23  %     1,820,266   24  %     1,925,608   25  %     2,001,210   26  %
  of deposit
  Brokered
  deposit          355,086    5   %     451,132    6   %     451,415    6   %     437,361    6   %     444,332    6   %
  accounts
Total
certificates       1,987,456  27  %     2,169,398  29  %     2,271,681  30  %     2,362,969  31  %     2,445,542  32  %
of deposit
                                                                                                                       
Total deposits   $ 7,479,347  100 %   $ 7,470,709  100 %   $ 7,634,702  100 %   $ 7,647,607  100 %   $ 7,721,907  100 %

Our deposit mix improved over the past twelve months as low cost deposits
increased to 73% of total deposits at September 30, 2012 compared to 68% at
September 30, 2011 driven by strong noninterest bearing deposit flows
(+11.6%).

CAPITAL

Tangible book value per common share grew to $15.64 at September 30, 2012
compared to $14.03 a year ago primarily due to our increase in earnings. At
September 30, 2012, the Company’s total risk-based capital ratio was 17.91%;
Tier 1 capital to risk-weighted assets ratio was 15.83% and Tier 1 capital to
average asset ratio was 10.60%. As of June 30, 2012, the Company’s total
risk-based capital ratio was 17.53%; Tier 1 capital to risk-weighted assets
ratio was 15.45% and Tier 1 capital to average asset ratio was 10.46%. At
September 30, 2012, MB Financial Bank’s total risk-based capital ratio was
17.13%; Tier 1 capital to risk-weighted assets ratio was 15.04% and Tier 1
capital to average asset ratio was 10.07%. MB Financial Bank, N.A. was
categorized as “well capitalized” at September 30, 2012 under the Prompt
Corrective Action (“PCA”) provisions.

In June 2012, the federal banking agencies issued notices of proposed
rulemaking (“NPRs”) on regulatory capital enhancements, which would implement
the Basel III capital standards and address certain requirements of the
Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank
Act”). The NPRs would revise banking regulatory capital requirements and the
risk-weighted asset rules. The NPRs would increase the minimum levels of
required capital, narrow the definition of capital, add a new regulatory
capital component (common equity Tier 1), increase the required capital for
certain categories of assets and expand the number of risk-weighted
categories, including higher-risk residential mortgages and higher-risk
construction real estate loans. These rules are proposed to go into effect on
January 1, 2013 with all of the requirements being phased in by January 1,
2019; however, it is uncertain as to when or if the final regulations will be
adopted or become effective or to what extent the final regulations will
differ from the proposed regulations. If the fully phased-in capital
requirements within the NPRs were adopted as proposed and were effective as of
September 30, 2012, the Company has estimated that it would be categorized as
“well capitalized” under the PCA provisions with ratios significantly above
the “well capitalized” threshold.

FORWARD-LOOKING STATEMENTS

When used in this press release and in reports filed with or furnished to the
Securities and Exchange Commission, in press releases or other public
stockholder communications, or in oral statements made with the approval of an
authorized executive officer, the words or phrases “believe,” “will,”
“should,” “will likely result,” “are expected to,” “will continue” “is
anticipated,” “estimate,” “project,” “plans,” or similar expressions are
intended to identify “forward-looking statements” within the meaning of the
Private Securities Litigation Reform Act of 1995. You are cautioned not to
place undue reliance on any forward-looking statements, which speak only as of
the date made. These statements may relate to our future financial
performance, strategic plans or objectives, revenues or earnings projections,
or other financial items. By their nature, these statements are subject to
numerous uncertainties that could cause actual results to differ materially
from those anticipated in the statements.

Important factors that could cause actual results to differ materially from
the results anticipated or projected include, but are not limited to, the
following: (1) expected revenues, cost savings, synergies and other benefits
from our merger and acquisition activities might not be realized within the
anticipated time frames or at all, and costs or difficulties relating to
integration matters, including but not limited to customer and employee
retention, might be greater than expected; (2) the possibility that the
expected benefits of the FDIC-assisted transactions we previously completed
will not be realized; (3) the credit risks of lending activities, including
changes in the level and direction of loan delinquencies and write-offs and
changes in estimates of the adequacy of the allowance for loan losses, which
could necessitate additional provisions for loan losses, resulting both from
loans we originate and loans we acquire from other financial institutions; (4)
results of examinations by the Office of Comptroller of Currency and other
regulatory authorities, including the possibility that any such regulatory
authority may, among other things, require us to increase our allowance for
loan losses or write-down assets; (5) competitive pressures among depository
institutions; (6) interest rate movements and their impact on customer
behavior and net interest margin; (7) the impact of repricing and competitors’
pricing initiatives on loan and deposit products; (8) fluctuations in real
estate values; (9) the ability to adapt successfully to technological changes
to meet customers’ needs and developments in the market place; (10) our
ability to realize the residual values of our direct finance, leveraged, and
operating leases; (11) our ability to access cost-effective funding; (12)
changes in financial markets; (13) changes in economic conditions in general
and in the Chicago metropolitan area in particular; (14) the costs, effects
and outcomes of litigation; (15) new legislation or regulatory changes,
including but not limited to the Dodd-Frank Act and regulations adopted
thereunder, any changes in capital requirements pursuant to the Dodd-Frank Act
and the implementation of the Basel III capital standards, other governmental
initiatives affecting the financial services industry and changes in federal
and/or state tax laws or interpretations thereof by taxing authorities; (16)
changes in accounting principles, policies or guidelines; (17) our future
acquisitions of other depository institutions or lines of business; and (18)
future goodwill impairment due to changes in our business, changes in market
conditions, or other factors.

We do not undertake any obligation to update any forward-looking statement to
reflect circumstances or events that occur after the date on which the
forward-looking statement is made.

                               TABLES TO FOLLOW

                                                                            
MB FINANCIAL, INC. & SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS (Unaudited)
As of the dates indicated
(Amounts in thousands)
                                                                                     
                     September       June 30,        March 31,       December        September
                     30,                                             31,             30,
                    2012         2012         2012         2011         2011      
ASSETS
Cash and due       $ 129,326       $ 132,737       $ 128,411       $ 144,228       $ 133,755
from banks
Interest earning
deposits with       327,301      304,075      272,553      100,337      347,055   
banks
Total cash and       456,627         436,812         400,964         244,565         480,810
cash equivalents
Investment
securities:
  Securities
  available for      1,814,972       1,723,471       1,833,611       1,929,297       1,888,738
  sale, at fair
  value
  Securities
  held to            495,851         497,800         498,767         499,283         499,038
  maturity, at
  amortized cost
  Non-marketable
  securities -       57,653       61,462       65,541       80,832       80,815    
  FHLB and FRB
  Stock
Total investment     2,368,476       2,282,733       2,397,919       2,509,412       2,468,591
securities
Loans held for       7,221           2,290           3,364           4,727           -
sale
Loans:
  Total loans,
  excluding          5,128,683       5,170,411       5,169,237       5,288,451       5,095,171
  covered loans
  Covered loans     496,162      552,838      620,528      662,544      718,566   
  Total loans        5,624,845       5,723,249       5,789,765       5,950,995       5,813,737
  Less:
  Allowance for     121,182      121,756      125,431      126,798      128,610   
  loan losses
Net loans            5,503,663       5,601,493       5,664,334       5,824,197       5,685,127
Lease                113,180         111,122         124,748         135,490         133,345
investments, net
Premises and         214,301         214,935         212,589         210,705         211,062
equipment, net
Cash surrender
value of life        127,985         127,096         126,226         125,309         124,364
insurance
Goodwill, net        387,069         387,069         387,069         387,069         387,069
Other                25,735          26,986          28,237          29,494          30,904
intangibles, net
Other real
estate owned,        42,427          49,690          63,077          78,452          87,469
net
Other real
estate owned         32,607          43,807          53,703          60,363          69,311
related to FDIC
transactions
FDIC
indemnification      36,311          56,637          72,161          80,830          94,542
asset
Other assets        147,943      148,896      137,209      142,459      149,767   
Total assets       $ 9,463,545   $ 9,489,566   $ 9,671,600   $ 9,833,072   $ 9,922,361 
LIABILITIES AND
STOCKHOLDERS'
EQUITY
Liabilities
Deposits:
  Noninterest      $ 2,011,542     $ 1,946,468     $ 1,874,028     $ 1,885,694     $ 1,803,141
  bearing
  Interest          5,467,805    5,524,241    5,760,674    5,761,913    5,918,766 
  bearing
Total deposits       7,479,347       7,470,709       7,634,702       7,647,607       7,721,907
Short-term           289,613         261,729         269,691         219,954         257,418
borrowings
Long-term            118,798         221,100         256,456         266,264         274,378
borrowings
Junior
subordinated         152,065         158,521         158,530         158,538         158,546
notes issued to
capital trusts
Accrued expenses
and other           162,892      139,756      136,791      147,682      141,490   
liabilities
Total               8,202,715    8,251,815    8,456,170    8,440,045    8,553,739 
liabilities
Stockholders'
Equity
Preferred stock      -               -               -               194,719         194,562
Common stock         550             549             549             548             548
Additional           731,679         732,297         732,613         731,248         730,056
paid-in capital
Retained             489,426         466,812         445,233         427,956         411,659
earnings
Accumulated
other                40,985          39,035          37,935          39,150          32,322
comprehensive
income
Treasury stock      (3,304    )   (3,353    )   (3,326    )   (3,044    )   (3,010    )
Controlling
interest             1,259,336       1,235,340       1,213,004       1,390,577       1,366,137
stockholders'
equity
Noncontrolling      1,494        2,411        2,426        2,450        2,485     
interest
Total
stockholders'       1,260,830    1,237,751    1,215,430    1,393,027    1,368,622 
equity
Total
liabilities and    $ 9,463,545   $ 9,489,566   $ 9,671,600   $ 9,833,072   $ 9,922,361 
stockholders'
equity
                                                                                               

                                                                                 
MB FINANCIAL, INC. & SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(Amounts in thousands, except per share data) (Unaudited)
                                                                                        
                      Three Months Ended                                               Nine Months Ended
                      September    June 30,     March 31,    December     September    September    September
                      30,                                     31,          30,          30,           30,
                       2012       2012      2012      2011      2011      2012       2011    
Interest income:
  Loans               $ 67,482      $ 69,250     $ 71,648     $ 75,466     $ 78,046     $ 208,380     $ 249,327
  Investment
  securities:
  Taxable               7,287         8,882        10,884       11,608       11,699       27,053        29,741
  Nontaxable            7,582         7,303        6,739        6,178        4,299        21,624        11,087
  Other interest       312        158       169       181       244       639        972     
  earning accounts
  Total interest       82,663     85,593    89,440    93,433    94,288    257,696    291,127 
  income
Interest expense:
  Deposits              7,374         8,058        8,760        9,569        10,207       24,192        35,312
  Short-term            342           362          206          189          204          910           660
  borrowings
  Long-term
  borrowings and
  junior               2,872      3,069     3,381     3,430     3,461     9,322      10,127  
  subordinated
  notes
  Total interest       10,588     11,489    12,347    13,188    13,872    34,424     46,099  
  expense
Net interest income     72,075        74,104       77,093       80,245       80,416       223,272       245,028
Provision for          (13,000 )   -         3,100     8,000     11,500    (9,900  )   112,750 
credit losses
Net interest income
after
provision for          85,075     74,104    73,993    72,245    68,916    233,172    132,278 
credit losses
Other income:
  Capital markets
  and international     1,344         780          507          754          605          2,631         1,107
  banking service
  fees
  Commercial
  deposit and           5,860         5,784        5,901        6,113        6,157        17,545        17,643
  treasury
  management fees
  Lease financing,      9,671         7,334        6,958        7,801        6,494        23,963        19,138
  net
  Trust and asset       4,428         4,535        4,404        4,166        4,272        13,367        13,158
  management fees
  Card fees             2,385         2,429        2,044        1,096        2,071        6,858         5,921
  Loan service fees     1,125         1,268        1,066        1,069        1,706        3,459         5,286
  Retail and other
  deposit service       3,792         3,541        3,457        3,926        4,123        10,790        12,373
  fees
  Brokerage fees        1,185         1,264        1,255        1,577        1,273        3,704         4,307
  Net gain (loss)
  on investment         281           (34    )     (3     )     411          -            244           229
  securities
  Increase in cash
  surrender value       890           870          917          944          1,014        2,677         3,433
  of life insurance
  Net (loss) gain       (12     )     (8     )     (17    )     (87    )     -            (37     )     370
  on sale of assets
  Accretion of FDIC
  indemnification       204           222          475          683          985          901           4,155
  asset
  Net loss
  recognized on         (3,938  )     (5,441 )     (6,589 )     (5,478 )     (3,118 )     (15,968 )     (8,135  )
  other real estate
  owned
  Net gain on sale      575           554          374          366          190          1,503         2,241
  of loans
  Other operating      763        809       2,105     1,110     595       3,677      3,429   
  income
  Total other          28,553     23,907    22,854    24,451    26,367    75,314     84,655  
  income
Other expenses:
  Salaries and          42,083        40,146       40,429       39,846       38,422       122,658       114,012
  employee benefits
  Occupancy and         8,274         9,188        9,570        8,498        9,092        27,032        26,969
  equipment expense
  Computer services
  and                   3,777         3,909        3,653        4,382        3,488        11,339        10,503
  telecommunication
  expense
  Advertising and       2,025         1,930        2,066        1,831        1,740        6,021         5,207
  marketing expense
  Professional and      1,554         1,503        1,413        1,422        1,647        4,470         4,725
  legal expense
  Other intangible
  amortization          1,251         1,251        1,257        1,410        1,414        3,759         4,255
  expense
  FDIC insurance        1,545         2,010        2,643        2,662        2,272        6,198         9,202
  premiums
  Branch impairment     758           -            -            594          -            758           1,000
  charges
  Other real estate     874           424          1,243        1,464        1,181        2,541         2,830
  expense, net
  Prepayment fees
  on interest           12,682        -            -            -            -            12,682        -
  bearing
  liabilities
  Other operating      6,342      6,473     5,057     7,324     7,352     17,872     21,497  
  expenses
  Total other          81,165     66,834    67,331    69,433    66,608    215,330    200,200 
  expense
Income before           32,463        31,177       29,516       27,263       28,675       93,156        16,733
income taxes
Income tax expense     9,330      9,034     8,430     7,810     8,978     26,794     (2,542  )
(benefit)
Net income              23,133        22,143       21,086       19,453       19,697       66,362        19,275
Dividends and
discount accretion     -          -         3,269     2,606     2,605     3,269      7,808   
on preferred shares
  Net income
  available to
  common              $ 23,133    $ 22,143   $ 17,817   $ 16,847   $ 17,092   $ 63,093    $ 11,467  
  stockholders

                                                                                                        
              Three Months Ended                                                              Nine Months Ended
                September      June 30,       March 31,        December 31,     September        September        September
                30,                                                             30,              30,              30,
               2012         2012         2012          2011          2011          2012          2011       
Common
share data:
Basic
earnings
allocated
to common     $ 0.43         $ 0.41         $ 0.39           $ 0.36           $ 0.36           $ 1.22           $ 0.36
stock per
common
share
Impact of
preferred
stock
dividends
on basic
earnings
per common      -              -              (0.06      )     (0.05      )     (0.04      )     (0.06      )     (0.15      )
share
Basic
earnings        0.43           0.41           0.33             0.31             0.32             1.16             0.21
per common
share
                                                                                                                  
Diluted
earnings
allocated
to common       0.42           0.41           0.39             0.36             0.36             1.22             0.35
stock per
common
share
Impact of
preferred
stock
dividends
on diluted
earnings
per common      -              -              (0.06      )     (0.05      )     (0.05      )     (0.06      )     (0.14      )
share
Diluted
earnings        0.42           0.41           0.33             0.31             0.31             1.16             0.21
per common
share
                                                                                                                  
Weighted
average
common
shares
outstanding
for
basic
earnings        54,346,827     54,174,717     54,155,856       54,140,646       54,121,156       54,226,241       54,029,023
per common
share
                                                                                                                  
Weighted
average
common
shares
outstanding
for
diluted
earnings        54,556,517     54,448,709     54,411,916       54,360,178       54,323,320       54,472,617       54,295,622
per common
share

*Story too large*
                                                                               
Selected Financial Data:
                 Three Months Ended                                              Nine Months Ended
                   September     June       March      December     September       September     September
                   30,           30,        31,        31,          30,             30,           30,
                  2012       2012     2012     2011       2011         2012        2011      
Performance
Ratios:
Annualized
return on          0.97      %   0.94   %   0.87   %   0.78     %   0.80      %     0.93      %   0.26      %
average assets
Annualized
return on          7.38          7.28       5.94       5.66         5.86            6.87          1.32
average common
equity
Annualized
cash return on
average            11.29         11.28      9.36       9.09         9.52            10.66         2.54
tangible
common
equity^(1)
Net interest       3.48          3.65       3.67       3.71         3.71            3.60          3.70
rate spread
Cost of            0.52          0.57       0.60       0.63         0.66            0.56          0.72
funds^(2)
Efficiency         61.43         61.36      60.04      59.94        58.69           60.94         57.58
ratio^(3)
Annualized net
non-interest
expense to         1.46          1.57       1.54       1.56         1.48            1.53          1.43
average
assets^(4)
Core other
income to          29.49         27.49      26.46      26.21        26.66           27.81         26.67
revenues ^(5)
Net interest       3.42          3.59       3.64       3.71         3.74            3.55          3.77
margin
Tax equivalent     0.25          0.24       0.23       0.20         0.16            0.24          0.13
effect
Net interest
margin - fully     3.67          3.83       3.87       3.91         3.90            3.79          3.90
tax equivalent
basis^(6)
Asset Quality
Ratios:
Non-performing
loans^(7) to       1.87      %   1.98   %   2.15   %   2.17     %   2.42      %     1.87      %   2.42      %
total loans
Non-performing
assets^(7) to      1.56          1.72       1.94       2.12         2.30            1.56          2.30
total assets
Allowance for
loan losses to     115.10        107.25     100.59     98.00        91.23           115.10        91.23
non-performing
loans^(7)
Allowance for
loan losses to     2.15          2.13       2.17       2.13         2.21            2.15          2.21
total loans
Net loan
(recoveries)
charge-offs to     (0.64   )     0.31       0.40       0.95         1.14            0.03          3.52
average loans
(annualized)
Capital
Ratios:

[TRUNCATED]
 
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