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

1 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

1 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

		($ in thousands)
		Quarter												Year-to-Date
		2Q-09				1Q-09				2Q-08				June 30, 2009				June 30, 2008
Net Interest Income		$	31,209			$	30,928			$	28,414			$	62,137			$	56,663
Net Interest Margin			3.60	%			3.61	%			3.72	%			3.62	%			3.75	%
Net Interest Margin
(fully tax equivalent)			3.64	%			3.65	%			3.78	%			3.65	%			3.81	%

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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

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