Loans (Tables)

12 Months Ended

Dec. 31, 2012

Schedule of geographic distributions of loans

	December 31, 2012
	Illinois		Florida		Indiana		Total
	(dollars in thousands)

Commercial	$	399,300	$	10,861	$	23,527	$	433,688
Commercial real estate	777,752		138,170		65,210		981,132
Real estate construction	67,152		15,972		2,977		86,101
Retail real estate	435,911		112,052		11,873		559,836
Retail other	11,831		409		113		12,353
Total	$	1,691,946	$	277,464	$	103,700	$	2,073,110

Less held for sale(1)							40,003
							$	2,033,107

Less allowance for loan losses							48,012

Net loans							$	1,985,095

(1) Loans held for sale are included in retail real estate.

	December 31, 2011
	Illinois		Florida		Indiana		Total
	(dollars in thousands)

Commercial	$	375,238	$	10,830	$	21,787	$	407,855
Commercial real estate	793,769		135,360		51,087		980,216
Real estate construction	72,569		16,186		16,110		104,865
Retail real estate	410,844		120,190		9,112		540,146
Retail other	17,547		581		134		18,262
Total	$	1,669,967	$	283,147	$	98,230	$	2,051,344

Less held for sale(1)							15,249
							$	2,036,095

Less allowance for loan losses							58,506

Net loans							$	1,977,589

(1) Loans held for sale are included in retail real estate.

Schedule of weighted average risk grades segregated by class of loans (excluding held-for-sale, non posted and clearings)

	December 31, 2012
	Weighted Avg. Risk Grade	Grades 1,3,6		Grade 7		Grade 8		Grade 9		Grade 10
	(dollars in thousands)
Illinois/Indiana
Commercial	4.68	$	346,536	$	46,201	$	12,374	$	15,677	$	2,039
Commercial real estate	5.53	644,695		110,012		50,305		28,655		9,295
Real estate construction	7.21	30,710		7,809		14,162		14,084		3,364
Retail real estate	3.62	385,949		6,729		7,806		5,874		2,855
Retail other	3.34	11,563		372		—		9		—
Total Illinois/Indiana		$	1,419,453	$	171,123	$	84,647	$	64,299	$	17,553

Florida
Commercial	5.91	$	6,359	$	3,544	$	162	$	796	$	—
Commercial real estate	6.36	80,232		20,667		13,238		19,279		4,754
Real estate construction	6.97	4,137		7,721		3,172		942		—
Retail real estate	3.98	83,578		6,369		13,225		3,265		2,797
Retail other	2.80	391		—		18		—		—
Total Florida		$	174,697	$	38,301	$	29,815	$	24,282	$	7,551
Total		$	1,594,150	$	209,424	$	114,462	$	88,581	$	25,104

	December 31, 2011
	Weighted Avg. Risk Grade	Grades 1,3,6		Grade 7		Grade 8		Grade 9		Grade 10
	(dollars in thousands)
Illinois/Indiana
Commercial	5.12	$	298,332	$	43,566	$	28,172	$	17,884	$	9,071
Commercial real estate	5.75	617,247		95,553		69,185		54,670		8,201
Real estate construction	7.65	22,002		7,998		34,374		18,841		5,464
Retail real estate	3.67	378,355		8,581		3,561		4,041		4,768
Retail other	3.17	16,506		676		—		428		71
Total Illinois/Indiana		$	1,332,442	$	156,374	$	135,292	$	95,864	$	27,575

Florida
Commercial	6.32	$	5,471	$	4,329	$	191	$	271	$	568
Commercial real estate	6.44	73,021		21,296		18,677		17,124		5,242
Real estate construction	7.97	1,417		341		12,352		840		1,236
Retail real estate	4.14	89,195		2,227		20,071		4,470		3,719
Retail other	2.41	580		—		1		—		—
Total Florida		$	169,684	$	28,193	$	51,292	$	22,705	$	10,765
Total		$	1,502,126	$	184,567	$	186,584	$	118,569	$	38,340

Schedule of age analysis of past due loans still accruing and non-accrual loans

	December 31, 2012
	Loans past due, still accruing						Non-accrual
	30-59 Days		60-89 Days		90+ Days		loans
	(dollars in thousands)
Illinois/Indiana
Commercial	$	111	$	80	$	19	$	2,039
Commercial real estate	216		59		139		9,295
Real estate construction	—		—		—		3,364
Retail real estate	1,154		294		46		2,855
Retail other	2		2		—		—
Total Illinois/Indiana	$	1,483	$	435	$	204	$	17,553

Florida
Commercial	$	—	$	—	$	—	$	—
Commercial real estate	—		—		—		4,754
Real estate construction	—		—		—		—
Retail real estate	364		—		52		2,797
Retail other	—		3		—		—
Total Florida	$	364	$	3	$	52	$	7,551
Total	$	1,847	$	438	$	256	$	25,104

	December 31, 2011
	Loans past due, still accruing						Non-accrual
	30-59 Days		60-89 Days		90+ Days		loans
	(dollars in thousands)
Illinois/Indiana
Commercial	$	131	$	44	$	48	$	9,071
Commercial real estate	1,384		—		73		8,201
Real estate construction	—		—		—		5,464
Retail real estate	2,051		242		52		4,768
Retail other	23		2		—		71
Total Illinois/Indiana	$	3,589	$	288	$	173	$	27,575

Florida
Commercial	$	—	$	—	$	—	$	568
Commercial real estate	606		—		—		5,242
Real estate construction	—		—		—		1,236
Retail real estate	179		—		—		3,719
Retail other	—		50		—		—
Total Florida	$	785	$	50	$	—	$	10,765
Total	$	4,374	$	338	$	173	$	38,340

Schedule of restructured loans

	December 31, 2012		December 31, 2011
	(dollars in thousands)
Restructured loans:
In compliance with modified terms	$	22,023	$	32,380
30 – 89 days past due	28		1,257
Included in non-performing loans	6,458		12,601
Total	$	28,509	$	46,238

Schedule of performing loans classified as TDRs

	Three Months Ended December 31, 2012			Twelve Months Ended December 31, 2012
	Number of contracts	Recorded investment		Number of contracts	Recorded investment
	(dollars in thousands)			(dollars in thousands)
Illinois/Indiana
Commercial	1	$	752	4	$	2,032
Commercial real estate	1	600		2	2,669
Real estate construction	—	—		2	3,029
Retail real estate	—	—		9	1,476
Retail other	—	—		—	—
Total Illinois/Indiana	2	$	1,352	17	$	9,206

Florida
Commercial	—	$	—	—	$	—
Commercial real estate	1	571		1	571
Real estate construction	—	—		—	—
Retail real estate	1	178		3	880
Retail other	—	—		—	—
Total Florida	2	$	749	4	$	1,451
Total	4	$	2,101	21	$	10,657

	Three Months Ended December 31, 2011			Twelve Months Ended December 31, 2011
	Number of contracts	Recorded investment		Number of contracts	Recorded investment
	(dollars in thousands)			(dollars in thousands)
Illinois/Indiana
Commercial	7	$	4,859	7	$	4,859
Commercial real estate	3	1,559		4	6,996
Real estate construction	1	1,615		1	1,615
Retail real estate	3	837		3	838
Retail other	—	—		—	—
Total Illinois/Indiana	14	$	8,870	15	$	14,308

Florida
Commercial	—	$	—	—	$	—
Commercial real estate	1	221		2	1,284
Real estate construction	—	—		—	—
Retail real estate	2	1,039		6	1,640
Retail other	—	—		—	—
Total Florida	3	$	1,260	8	$	2,924
Total	17	$	10,130	23	$	17,232

Schedule of TDRs classified as non-performing with payment defaults

	Three Months Ended December 31, 2012			Twelve Months Ended December 31, 2012
	Number of contracts	Recorded investment		Number of contracts	Recorded investment
	(dollars in thousands)			(dollars in thousands)
Illinois/Indiana
Commercial	—	$	—	5	$	309
Commercial real estate	—	—		—	—
Real estate construction	—	—		—	—
Retail real estate	1	232		1	232
Retail other	—	—		—	—
Total Illinois/Indiana	1	$	232	6	$	541

Florida
Commercial	—	$	—	—	$	—
Commercial real estate	—	—		3	1,287
Real estate construction	—	—		—	—
Retail real estate	1	142		4	778
Retail other	—	—		—	—
Total Florida	1	$	142	7	$	2,065
Total	2	$	374	13	$	2,606

	Three Months Ended December 31, 2011			Twelve Months Ended December 31, 2011
	Number of contracts	Recorded investment		Number of contracts	Recorded investment
	(dollars in thousands)			(dollars in thousands)
Illinois/Indiana
Commercial	5	$	2,971	5	$	2,971
Commercial real estate	4	1,624		5	4,124
Real estate construction	1	438		1	438
Retail real estate	—	—		—	—
Retail other	—	—		—	—
Total Illinois/Indiana	10	$	5,033	11	$	7,533

Florida
Commercial	—	$	—	—	$	—
Commercial real estate	1	826		1	826
Real estate construction	—	—		1	271
Retail real estate	9	1,778		11	3,241
Retail other	—	—		—	—
Total Florida	10	$	2,604	13	$	4,338
Total	20	$	7,637	24	$	11,871

Schedule of details of impaired loans, segregated by category

	December 31, 2012
	Unpaid Contractual Principal Balance		Recorded Investment with No Allowance		Recorded Investment with Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment
	(dollars in thousands)
Illinois/Indiana
Commercial	$	11,557	$	7,214	$	265	$	7,479	$	265	$	10,109
Commercial real estate	17,656		12,020		1,288		13,308		634		14,607
Real estate construction	6,851		6,394		—		6,394		—		8,625
Retail real estate	6,251		4,666		530		5,196		140		5,206
Retail other	—		—		—		—		—		24
Total Illinois/Indiana	$	42,315	$	30,294	$	2,083	$	32,377	$	1,039	$	38,571

Florida
Commercial	$	—	$	—	$	—	$	—	$	—	$	271
Commercial real estate	9,533		5,988		585		6,573		235		6,506
Real estate construction	2,597		2,597		—		2,597		—		3,989
Retail real estate	16,518		12,673		1,373		14,046		483		15,254
Retail other	—		—		—		—		—		—
Total Florida	$	28,648	$	21,258	$	1,958	$	23,216	$	718	$	26,020
Total	$	70,963	$	51,552	$	4,041	$	55,593	$	1,757	$	64,591

	December 31, 2011
	Unpaid Contractual Principal Balance		Recorded Investment with No Allowance		Recorded Investment with Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment
	(dollars in thousands)
Illinois/Indiana
Commercial	$	18,524	$	11,090	$	2,889	$	13,979	$	697	$	11,495
Commercial real estate	22,408		15,270		4,134		19,404		1,421		20,059
Real estate construction	7,746		7,079		—		7,079		—		6,552
Retail real estate	7,669		5,657		—		5,657		—		6,820
Retail other	71		71		—		71		—		37
Total Illinois/Indiana	$	56,418	$	39,167	$	7,023	$	46,190	$	2,118	$	44,963

Florida
Commercial	$	1,088	$	568	$	—	$	568	$	—	$	2,046
Commercial real estate	9,011		5,699		826		6,525		826		12,572
Real estate construction	7,994		5,238		—		5,238		—		6,758
Retail real estate	20,928		17,762		—		17,762		—		21,928
Retail other	—		—		—		—		—		4
Total Florida	$	39,021	$	29,267	$	826	$	30,093	$	826	$	43,308
Total	$	95,439	$	68,434	$	7,849	$	76,283	$	2,944	$	88,271

Schedule of changes in the allowance for loan losses

	Years Ended December 31,
	2012			2011			2010
	(dollars in thousands)

Balance, beginning of year	$	58,506		$	76,038		$	100,179
Provision for loan losses	16,500			20,000			42,000
Recoveries applicable to loan balances previously charged-off	3,069			7,881			14,902
Loan balances charged-off	(30,063		)	(45,413		)	(81,043		)

Balance, end of year	$	48,012		$	58,506		$	76,038

Schedule of activity on the allowance for loan losses

	For the Twelve Months Ended December 31, 2012
	Commercial			Commercial Real Estate			Real Estate Construction			Retail Real Estate			Retail Other			Total
	(dollars in thousands)
Illinois/Indiana
Beginning balance	$	9,143		$	18,605		$	4,352		$	6,473		$	464		$	39,037
Provision for loan loss	1,428			10,058			(270		)	4,397			278			15,891
Charged-off	(4,176		)	(14,016		)	(1,883		)	(3,264		)	(636		)	(23,975		)
Recoveries	202			376			328			504			216			1,626
Ending Balance	$	6,597		$	15,023		$	2,527		$	8,110		$	322		$	32,579

Florida
Beginning balance	$	1,939		$	8,413		$	2,936		$	6,160		$	21		$	19,469
Provision for loan loss	(811		)	(619		)	(555		)	2,626			(32		)	609
Charged-off	(246		)	(1,858		)	(336		)	(3,646		)	(2		)	(6,088		)
Recoveries	555			126			270			474			18			1,443
Ending Balance	$	1,437		$	6,062		$	2,315		$	5,614		$	5		$	15,433

	For the Twelve Months Ended December 31, 2011
	Commercial			Commercial Real Estate			Real Estate Construction			Retail Real Estate			Retail Other			Total
	(dollars in thousands)
Illinois/Indiana
Beginning balance	$	11,827		$	19,504		$	7,186		$	5,199		$	2,473		$	46,189
Provision for loan loss	2,565			9,604			1,478			4,463			(2,743		)	15,367
Charged-off	(6,779		)	(10,643		)	(4,983		)	(3,973		)	(634		)	(27,012		)
Recoveries	1,530			140			671			784			1,368			4,493
Ending Balance	$	9,143		$	18,605		$	4,352		$	6,473		$	464		$	39,037

Florida
Beginning balance	$	2,013		$	13,291		$	4,717		$	9,748		$	80		$	29,849
Provision for loan loss	3,841			(2,130		)	195			2,773			(46		)	4,633
Charged-off	(3,947		)	(3,655		)	(2,573		)	(8,192		)	(34		)	(18,401		)
Recoveries	32			907			597			1,831			21			3,388
Ending Balance	$	1,939		$	8,413		$	2,936		$	6,160		$	21		$	19,469

	For the Twelve Months Ended December 31, 2010
	Commercial			Commercial Real Estate			Real Estate Construction			Retail Real Estate			Retail Other			Total
	(dollars in thousands)
Illinois/Indiana
Beginning balance	$	9,326		$	24,151		$	7,685		$	6,570		$	1,283		$	49,015
Provision for loan loss	8,306			17,384			10,720			2,262			1,125			39,797
Charged-off	(5,974		)	(23,012		)	(11,332		)	(3,908		)	(41		)	(44,267		)
Recoveries	169			981			113			275			106			1,644
Ending Balance	$	11,827		$	19,504		$	7,186		$	5,199		$	2,473		$	46,189

Florida
Beginning balance	$	498		$	14,098		$	29,805		$	6,606		$	157		$	51,164
Provision for loan loss	6,421			2,889			(19,280		)	12,170			3			2,203
Charged-off	(4,922		)	(5,564		)	(16,936		)	(9,266		)	(88		)	(36,776		)
Recoveries	16			1,868			11,128			238			8			13,258
Ending Balance	$	2,013		$	13,291		$	4,717		$	9,748		$	80		$	29,849

Schedule of allowance for loan losses and recorded investments

	As of December 31, 2012
	Commercial		Commercial Real Estate		Real Estate Construction		Retail Real Estate		Retail Other		Total
	(dollars in thousands)
Illinois/Indiana
Amount allocated to:
Loans individually evaluated for impairment	$	265	$	634	$	—	$	140	$	—	$	1,039
Loans collectively evaluated for impairment	6,332		14,389		2,527		7,970		322		31,540
Ending Balance	$	6,597	$	15,023	$	2,527	$	8,110	$	322	$	32,579

Loans:
Loans individually evaluated for impairment	$	7,479	$	13,308	$	6,394	$	5,196	$	—	$	32,377
Loans collectively evaluated for impairment	415,348		829,654		63,735		404,867		11,944		1,725,548
Ending Balance	$	422,827	$	842,962	$	70,129	$	410,063	$	11,944	$	1,757,925

Florida
Amount allocated to:
Loans individually evaluated for impairment	$	—	$	235	$	—	$	483	$	—	$	718
Loans collectively evaluated for impairment	1,437		5,827		2,315		5,131		5		14,715
Ending Balance	$	1,437	$	6,062	$	2,315	$	5,614	$	5	$	15,433

Loans:
Loans individually evaluated for impairment	$	—	$	6,573	$	2,597	$	14,046	$	—	$	23,216
Loans collectively evaluated for impairment	10,861		131,597		13,375		95,724		409		251,966
Ending Balance	$	10,861	$	138,170	$	15,972	$	109,770	$	409	$	275,182

	As of December 31, 2011
	Commercial		Commercial Real Estate		Real Estate Construction		Retail Real Estate		Retail Other		Total
	(dollars in thousands)
Illinois/Indiana
Amount allocated to:
Loans individually evaluated for impairment	$	697	$	1,421	$	—	$	—	$	—	$	2,118
Loans collectively evaluated for impairment	8,446		17,184		4,352		6,473		464		36,919
Ending Balance	$	9,143	$	18,605	$	4,352	$	6,473	$	464	$	39,037

Loans:
Loans individually evaluated for impairment	$	13,979	$	19,404	$	7,079	$	5,657	$	71	$	46,190
Loans collectively evaluated for impairment	383,046		825,452		81,600		400,244		17,610		1,707,952
Ending Balance	$	397,025	$	844,856	$	88,679	$	405,901	$	17,681	$	1,754,142

Florida
Amount allocated to:
Loans individually evaluated for impairment	$	—	$	826	$	—	$	—	$	—	$	826
Loans collectively evaluated for impairment	1,939		7,587		2,936		6,160		21		18,643
Ending Balance	$	1,939	$	8,413	$	2,936	$	6,160	$	21	$	19,469

Loans:
Loans individually evaluated for impairment	$	568	$	6,525	$	5,238	$	17,762	$	—	$	30,093
Loans collectively evaluated for impairment	10,262		128,835		10,948		101,234		581		251,860
Ending Balance	$	10,830	$	135,360	$	16,186	$	118,996	$	581	$	281,953